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

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


Account Name : XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXXXXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXXXXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXXXXXX 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 State
s : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

XX/XX/2023 I identified inaccurate items on my credit report and filed a dispute with Equifax and XXXX, asking them to verify the account. The items in question relate to XXXX XXXX XXXX 
Account Number. Despite providing all the required documentation and following up on XX/XX/2023, I received no response, demonstrating a lack of due diligence in investigating the matter. 

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) and 1681i ( a ) ( 5 ) ( A ) of the F.C.R.A., the credit bureau is obligated to conduct a reasonable reinvestigation and remove unverifiable items which have not been adhered to in this case. 


XXXX took XXXX letters for them to verify the account as accurate but failed to advise the description of the procedure used to determine the accuracy and completeness of the information under the 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) or proof of this alleged item, specifically the contract, note or other instrument bearing my signature, demonstrating a lack of due diligence in investigating the matter, The items in question relate to XXXX XXXX XXXX also I would like to point that XXXX validated a debt and the debt collector has not validated the debt with me The incorrect items and the subsequent refusal to validate or remove them from my credit report have precipitated a cascade of detrimental financial and emotional consequences for me. My credit score has been unjustly reduced, resulting in loan rejections and subjection to exorbitantly high-interest rates for essential credit facilities, such as my mortgage and car loan. Furthermore, the inaccurate credit report has necessitated higher security deposits for utilities, exacerbating my financial strain. 

The emotional toll has been equally devastating, inducing consistent stress and XXXX as I navigate through the quagmire of resolving these inaccuracies. The mental strain from dealing with persistent calls from debt collectors, coupled with the fear of additional erroneous entries tarnishing my credit report, has been overwhelming. This has not only usurped countless hours that I could have devoted to my work and family but has also sown discord in my personal relationships due to the perpetual worry and financial instability.

The culmination of these issues has also necessitated the incurrence of additional costs, such as legal consultation fees and costs for sending certified mail to various entities in an attempt to rectify my credit report. These financial and emotional burdens are direct results of the inaccuracies in my credit report and the subsequent lack of adequate action to rectify them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent a series of letters to get the incorrect late payments removed from this account and the company has not respond.
Product: Debt collection

absolute resolutions investments llc is takeing me to court for a debt that i have no knowledge of, i contacted them and told them the signiture that they have is not mine and the bank account number is not mine and has never been mine yet they still insist that i owe this debt, they are sueing me in court and have now sent me a letter stateing they may submit to the credit reporting agency which they have already done, i am tryig to figure out how they can do this. i fully intend to stand up in court on XX/XX/2020 and tell the judge how they are trying to railroad me for someone elses debt, i am on XXXX  and i can not have my bank account garnished and they think i am going to fold and pay this debt which i am not i will stand up and fight untill someone hears what i am saying,
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports... no consent is fraud. Please delete the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$69000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$31000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$49000.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$5700.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

We have a bankruptcy on our credit file. Equifax is showing two different discharge date. We have contacted the US BANKRUPTCY COURT. And received the information needed to show the error. We have spoken with XXXX XXXX the reporting agent for equifax. They now have the correct information. But each time we submit a dispute they say that they have verified the information. 6 disputes. All have the wrong information still. No prof of them contacting XXXX. The docket number on the report they give with the false information. Is not a US BANKRUPTCY docket number. They lie and say they are verified the information. Which is not true. Im trying to close on a mortgage loan and this error is stoping it from being funded. I have spoken with there representatives several times. They refuse to fix the error. We have provided mutable legal documents proving the error. Even contact information for the agent with the US BANKRUPTCY COURT! I need this fixed to get my mortgage loan! They are the only one of three reporting agencies reporting this error. I have my attorney working on this issue. But it takes 90 days to complete. I dont have time for that to happen. This has been in dispute 36 days now!! 6 disputes mutable documents proving the error!
Product: Prepaid card

XXXX and XXXX are issuing Citi Pre-paid cards that can not be activated in lieu or refunds. The prepaid card numbers are not valid on Citi 's system, and the Citi system requires a valid card number to get through to a person to sort things out. At this point, my money is lost at Citi, and I am harmed in the amounts of {$180.00} ( card number XXXX ) and {$140.00} ( card number XXXX ) respectively. Citi has also wasted my time with their " customer service '' numbers that require a card number to get through a person.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cashapp ( Block , Inc. ) due to an adequate customer service and unfair practice, which violates the consumer financial protection act ( CFPA ). Specifically, Cashapp failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account, vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the electronic fund transfer act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Checking or savings account

On XX/XX/21 an individual created two ( 2 ) American Express Company ACH withdrawals in the amount of {$5000.00} and {$15000.00} using my XXXX XXXX routing number and bank account number and made payment though this arrangement to XXXX XXXX XXXX. Neither entity, American Express Company, XXXX XXXX and XXXX XXXX are accepting responsibility or culpability for their role in this fraudulent scheme..
Product: Credit reporting, credit repair services, or other personal consumer reports

In checking my credit report I discovered unauthorized inquiries
Product: Credit card or prepaid card

Hello, I have a " Double Cash '' revolving credit account opened with CitiBank. Given I don't use the account and I'm currently trying to reduce my overall revolving credit limit to better qualify for a home loan, I've attempted to close the account. The account can't be closed via the CitiBank app, nor their website. CitiBank requires account holders to call to close their account. I've called a number of times and have gone through the automated prompts using voice commands. Each time, I've been connected to a representative who pretends they can't hear me over the phone. However, it's abundantly clear the representative 's feigned inability to hear is scripted because their interjections trying to greet me are repeated so quickly, one wouldn't reasonably have the ability to respond without them repeating their greeting over a response. 

Consumers should have the ability to manage their own credit, and I'm simply trying to close this account to get my overall open revolving credit under control.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX I submitted disputes to TransUnion, XXXX in regards to ( XXXX ) closed account XXXX XXXX ( XXXX ) & XXXX XXXX ( XXXX ) for inaccuracy and failure to send me the status of the investigation within 30days. I asked that you assist me in contacting TransUnion and XXXX and have them removed the above said closed accounts. Thank you for your assistance in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following unauthorized inquiries are showing on my TransUnion credit report. 

When I call their toll free number, my calls keep getting transferred to India. The representative says even though my info was improperly used, I am responsible for contacting each company to straighten this out on my own : 1. XXXX XXXX/XXXX/XXXX 2. XXXX XXXX/XXXX/XXXX 3. XXXX XXXX/XXXX/XXXX XXXX. XXXX XXXX/XXXX/XXXX 5.XXXX XXXX/XXXX/XXXX 6. XXXX XXXX/XXXX/XXXX All they do is read to me from a script. It is very frustrating! XXXX and XXXX  were very willing to help when I told them what happened. TransUnion is not.
Product: Credit reporting, credit repair services, or other personal consumer reports

Lexington Law misrepresented their services. They said they could remove all the negative marks on my credit. Ive been paying them  since XX/XX/XXXX. As of now nothing of any note has been done. When I call them they always read from what appears to be simple script and nothing gets done. I would like a refund.
Product: Mortgage

I applied for a VA refinance mortgage through Loan Depot XX/XX/XXXX. At that time I had to pay {$300.00} to lock in the interest rate and to cover the appraisal. I received very little communication from that time on except for notices that additional papers were needed by the VA which I found and sent to Loan Depot. Then two weeks ago I got an email asking for my water to be tested because I have spring water and the report to be sent to Loan Depot. This took a few days because the health department only has certain days of the week that they test water. So then last night ( Monday ) I received a call from Loan Depot saying that they had to raise the interest rate because my loan unlocked on Friday. The man said he had called me on Friday but there was no answer so he left a message. I received no message. I use a cell phone and it does not work inside my house. So after an hour or so conversation with the person that called ( Mon ) I decided to call the person that originated the refinanced process and had to leave a message because he was not answering, but he has not returned my call. So at this time I am really frustrated and do n't no what to do. When I finished the hour or so conversation with the person last night he told me I could either except the new interest rate or close the process. The interest rate that I locked in was 3.25 % and now they want 3.75 %. This seems totally unfair to me especially since the rate unlocked on Friday and I get a call on Monday. Not only did they raise the interest rate but they want {$4000.00} at closing.
Product: Credit reporting or other personal consumer reports

I have bankruptcies on my credit report ( XXXX  XXXX XXXX ) and ( Chapter XXXX XXXX ) that dont belong to me that has been linked to wrong name I have provided documents and tryed to get this fixed and this is clearly violated my FCRA rights, I know have filed a complaint with the state attorney general and my next step is for a law suit, This is ruining my life and I just want them removed and deleted from my profile cause they dont belong to me again Im sending proof, so I can have for my documents as well of how many times I tried to resolve this with the credit bureau and keeps coming back verified but theres no way when its not mine and I never been sent anything verification of this information belonging to me Please delete this I just want my rights as a person to be treated fairly again I will be providing documentation this does not belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX. 
XXXX XXXX, XXXX {$750.00} Item was disputed for fraud. Item was removed and re-added with no notification XXXX XXXX XXXX XXXX XXXX, XXXX {$660.00} Item was disputed for fraud. Item was removed and re-added with no notification Hard inquiries : XXXX XXXX XXXX XXXX/XXXX/XXXX I did not apply for credit. 
XXXX XXXXXXXX XXXX/XXXX/XXXX I did not apply for credit. 
XXXX XXXX XXXX C XXXX/XXXX/XXXX Did not apply for credit. 
XXXX XXXX XXXX and XXXX/XXXX/XXXX not only did I not apply but, but if I had I would n't have applied twice. 

Addresses : need to be removed/ old info XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX. 
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

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

Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX and list of Inquiries. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

In approximately XXXX I moved to XXXX XXXX  from XXXX. I started bank accounts with Chase Bank in XXXX, NY. A safe deposit box was given to us. I stated at the time that I did not want it, nor did I need it. The Chase employee said not to worry that it was free and I didn't have to use it. In XXXX we moved from XXXX XXXX to XXXX. We made arrangements to move accounts and met with the bank to close the safe deposit box. In XXXX we moved back to Michigan and then in XXXX, Chase sends us a notice that we still have the safe deposit box and that they will no longer be free and we will be charged {$90.00} a year rental. My wife called to dispute this and was told the box was never closed and that they never received the keys. Chase also stated that we have to be there in person to close the box, there is no other way. We have been trying to close this in every way possible an simply think that it is unfair to start charging for a safe deposit box and give me no other way to close it than to travel XXXX plus miles each way to close this in person.
Product: Credit card or prepaid card

My prepaid Visa card expired XX/XX/20 with {$150.00} on it. I've only had it 1 year. 

I try calling but, there is no way to reach a live person. 

The company is MyPrepaidCenter.com
Product: Mortgage

On XX/XX/2022 United Wholesale Mortgage transferred my account to XXXX XXXX and marked it as closed. In XX/XX/2022 my credit score went down XXXX points due to this mortgage loan being marked as closed.
Product: Debt collection

My name is XXXX XXXX XXXX XXXX, I am the original creditor, natural person, and consumer moving in commerce on behalf of my estate. I have been reaching out to this Collection agency, demanding that they delete all of my information out of there system because they are a third part company that I never did business with. I never gave them consent to have any of my information. They are infringing on my privacy. They are regulating under the FDCPA, in which they are violating there laws. This is abusive practices because this in hindering my lively hood. I never gave them written consent to have any of my information. 15 U.S. Code 1692b - Acquisition of location information- ( 2 ) not state that such consumer owes any debt ; I called them 56 times today every call they stated that they were attempting to collect a debt. Therefore they are violating my rights. I also demanded that they delete all of my information out of there system. And everytime they refused that they wouldnt, and told me I had to pay. Those responses made me feel that I am being extorted and if I dont pay them I am going to continue to be forced to be stagnant in life because this collection is hindering my well being. ( 2 ) The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader. Also, ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. 

( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00} ; or
Product: Mortgage

On XXXX/XXXX/16 Seneca Mortgage Servicing debited our escrow account in the amount of {$3900.00} to pay property taxes. On XXXX/XXXX/16 we refinanced and paid our loan in full. We also made a payment of our property taxes at that time. I contacted Seneca Mortgage at the time of the refinance and was told that the escrow money debited for property taxes would be refunded to us. On XXXX/XXXX/16, I contacted Seneca because we had not received the refund of the money debited from our account. I was told that Seneca could not reimburse us until the property taxes had been paid to the county and the county rejected the property taxes as a duplicate payment. I was told Seneca would submit payment to the county on XXXX/XXXX/16 and that the entire process should be completed and the money refunded to us by XX/XX/XXXX. Today is XXXX XXXX. I contacted Seneca for a status update because we still have not been refunded the money. I was told that the county did reject the money and return it to Seneca on XXXX/XXXX/16. When I asked why it has not been returned to us, I was given the run around and told that it will be a minimum of 15 more days before Seneca will issue a refund check. I have requested an expedite but Seneca is unwilling to do anything. They have been holding {$3900.00} since XXXX/XXXX/16 on a closed account despite repeated requests for reimbursement.
Product: Credit reporting or other personal consumer reports

I noticed unauthorized inquiries reporting on my credit file & I would like them removed
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been writing TransUnion for a year now. I have advised them that they are inaccurately reporting an account with XXXX on my reports. I have shown them several items that are wrong - to include A HUGE VIOLATION where they are REAGING the account. How the heck is that possible? Every single month they update it and say the account was " last active '' there is no active on collections other than the date they accept the account, and yet they keep acting like it is. Also, they have reported the account as closed as well. How is that possible. The contridictions and inaccuracies are beyond a violation. I have included screen shots that they keep doing it month after month after month. Furthermore, I have pointed out other violations such as a collections account having a past due balance. There is nothing past due with a debt buyer, I read up on this and know the FDCPA and that they can not do this. I have enclosed documentation direct from TransUnion that shows they " updated '' information but there was actually nothing updated as it is apparent by their own reports. They have done nothing but ignore my disputes and demands for fair reporting. I am beyond stressed out over this. It has been a year. They are harming my finaincial reputation with their woeful neglect of their legal responsibilities. I need to buy a larger home as I just had a baby. All of this disputing should not be this hard. What are they making it so hard and violating the law? Please help me get this resolved once and for all.
Product: Credit reporting or other personal consumer reports

My information was sold and bought illegally because I was victim of the XXXX data breach. I want these items Deleted from my credit reports effective immediately. 
I am attaching proof that XXXX has admitted that I was in fact a victim of this data breach and XXXX has deleted Account XXXX XXXX XXXXXXXX XXXX. Please help me delete these illegal items from my credit report immediately. Account # XXXX XXXX XXXX XXXX. Account XXXX XXXX XXXX XXXX. Please delete these accounts from XXXX and Transunion as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

An unknown individual that lives at XXXX XXXX XXXX XXXX in XXXX CA XXXX on space # XXXX has used my social security to get an installment loan from XXXX on XX/XX/XXXX and XXXX canceled it on XX/XX/XXXX after the unknown individual had stolen {$5400.00}. I noticed of this theft today after signing up for XXXX  to check my credit score. I also noticed another highly impactful Revolving credit card that was NOT taken out by me from XXXX XXXX for {$1400.00} on XX/XX/XXXX, these are two out of fifteen loan/credit cards this unknown individual stole from these companies under my social. These actions have impacted my credit score to sink. Every loan after XXXX on my credit score was a fraud, the only credit cards I have ever taken out myself were XXXX XXXX on XX/XX/XXXX and from my job Target/Td on XX/XX/XXXX. Everything after XXXX was NOT me I would like help with this crime committed on my credit please!