23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

My bank says it does not report to transunion, only XXXX and XXXX. 
Transunion lowers my score significantly as it shows no good credit from my bank. 
They said it 's up to me to get my bank to send in all my good on time and paid off loan information, and my bank says they refuse to report to Transunion! My score is low due to this issue when the other XXXX show all my good credit. Should n't Banks report to all XXXX? 
Why should my credit be hurt because a bank refuses to contact Transunion, is n't there a law to protect us from this lack of reporting?
Product: Credit reporting, credit repair services, 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 Account name : XXXX  XXXX XXXX XXXX, # XXXX Account name : XXXX XXXX XXXX, # XXXX Account name : 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 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 or 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: Money transfer, virtual currency, or money service

On XX/XX/2021 at XXXX XXXX  I sent a payment to XXXX XXXX for XXXX $ in exchange for a used XXXX that he was advertising on XXXX Market place. It all started when I sent a message to XXXX XXXX  who was advertising the XXXX for sale. It was marked at XXXX XXXX I then asked for a video for confirmation that it was working and that everything was in order. We then discussed payment methods, we first tried XXXX XXXX, then cash app, then finally Venmo. Once he had received the payment he blocked me on XXXX and Venmo. I have all the chats saved so if you would like me to send pictures of all the chats I can do that. I then reached out to Venmo and asked if they could stop the payment from going through as it was fraudulent. They told me that there was nothing they could do. I talked to my bank and they recommended closing my account to prevent any transaction from going through. This worked as no money was ever withdrawn from my account. On XX/XX/XXXX I received an email saying my payment did not go through from Venmo due to my bank account being closed. The email then told me that they had paid the scammer anyways and that I owed Venmo XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Be advised this is the second request asking to removed unverified accounts that remain on my credit report in violation of 15 U.C.C 1681. In the results of your the first re-investigation it was stated that it was " verified '' that these items are being " reported correctly ''. Where are the documents that you used to verify these accounts??? Not something that was " Electronically '' submitted to you. DOCUMENTS. Also what is the name of the person IN YOUR COMPANY who verified these accounts??? What this means is someone in this company must be willing to be able to produce in your files that proves the account ( s ) in dispute belong to me and you must be able to do this in a court of law if I file a lawsuit against you. Someone in your company must have 1st hand knowledge of the alleged account ( s ) and all that has ever transpired for the alleged account ( s ) under oath and under the penalty of perjury.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/2022, to remove ( personal information, address, accounts name & account Number ) that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after the XXXX XXXX. Ive already included this in my previous Complaint XXXX, XXXX, XXXX and I am including these again. 
XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00}
Product: Checking or savings account

XX/XX/2018 Notified Union Bank about fraudulent activity over the phone. They put a stop in all outgoing transactions. Said that they have filed a claim which they didnt. Advised to visit a banking center to open a new account and close the one with fraudulent activity. 
XX/XX/2018 Opened new account and closed old one. No advise on claim for fraudulent charges was provided. 
XX/XX/2018 Called phone customer service only to realize no claim was opened. 
XX/XX/2018 Back and forth between phone cust service and XXXX XXXX Branch office. Manager advised writing a letter with information about fraudulent transactions which was done and she promised to follow up. 
XX/XX/2018 Email confirming that they sent the claim to the right department and they received it. 
XX/XX/2018 Called phone customer service to ask about claim. They say there is no claim filed as yet. 
There is no clear correspondence that claim is open, so decided to engage CFPB for assistance as we have lost {$8100.00} which is huge hard earned money.
Product: Credit reporting or other personal consumer reports

I am not liable for this debt of {$1500.00} with LVNV FUNDING LLC Account number : XXXX I do not have a contract with LVNV FUNDING, the did not provide me with the original contract as I requested with my wet signature and ID verification.
Product: Credit card

I'm so disappointed on how this came in form my credit report. I've never been late and I work myself day and night which is so unfair to me as you XXXX  damaging my reputation as a consumer.
Product: Mortgage

The mortgage was transferred from OCWEN to PHH mortgage. Now I received some letter advising XXXX is now involved but PHH is still handling mortgage. Upon attempting to log on, I got a message saying I needed to re-register. I attempted to do such with no success. It keeps telling me that Account not found. I contacted customer service Via phone and they said they will submit A ticket to the web support department. They said could take a week. After a week I sent an email to them, this was on XX/XX/XXXX. On XX/XX/XXXX they sent me a reply with detailed instructions. The same instructions that have not been working. They also requested screenshots if I was still having difficulty. I sent them screenshots on the same day ( XX/XX/XXXX ). I received no response. On XX/XX/XXXX I sent a follow up email. I have still yet to receive a response or have the issue addressed.
Product: Bank account or service

On XXXX/XXXX/16, Santander Bank left a message on my voice mail alerting me that fraudulent activity had occurred within my online banking checking acct. I called the number they told me to call, however, they told me they could n't give me any info & that I 'd need to go into the branch office. On XXXX/XXXX/16, I went into the XXXX XXXX XXXX XXXX, MA branch office. I was there 2 1/2 hours while XXXX XXXX, the bank rep, called the fraud unit. I was informed {$990.00} was externally transferred out of my online checking acct. Finally, someone at the tel. fraud unit line took my claim ( while still at branch ), telling me to use reference # XXXX to inquire about status of the claim. I was also informed by the person taking the claim that I 'd receive a 'provisional credit ' of {$990.00} into my acct. within XXXX10 business days. Also, they 'd send me an affidavit letter & I was to return it asap. To this date, I have n't received the letter nor the provisional credit. I have gone into the branch on XXXX separate occasions since & have called their fraud unit XXXX6 times & I 'm told by everyone that my acct is BLOCKED & no one can help me. Here 's the situation. I 'm XXXX yrs old & I need to purchase medicine as well as pay some bills. The {$990.00} that was fraudulently removed was the bulk of my Social Security check ( {$1000.00} ). Due to the massive incompetence by Santander, as well as some rude customer service reps, I 'm now in a financial DIRE NEED SITUATION. Today, ( XXXX/XXXX/16 ), I was told 'maybe ' I 'd receive the money in XXXX90 calendar days. When told by me this was unacceptable, they told me they could do nothing further. I 'm being treated like a criminal when I 'm the VICTIM of fraudulent activety which occurred within THEIR online banking system. Obviously, their online banking security measures are failing but that 's not my fault.
Product: Debt collection

Received a writ of execution Goods, Chattels, and Real Estate. This does not belong to me, its my sons. Received 1st notice from Midland funding ans asked them to confirm which XXXX this belonged to they never responded. Now i get this.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018. Elan Financial reported my payment as 30 days late. Payment was made within grace period. I have called and spoke with representative, also sent Goodwill letter. They refuse to remove the inaccuracy. I have never been late and has since paid account off. This is negatively affecting my credit.
Product: Credit reporting or other personal consumer reports

These inquires i did not authorize and is an attempt to do fraud Inquiry details XXXX XXXX  ( Finance ) XX/XX/year> XXXX XXXX  ( Finance ) XX/XX/year> XXXX XXXX  ( Finance ) XX/XX/year> XXXX  ( Finance ) XX/XX/year> XXXX XXXX  ( Finance ) XX/XX/year> XXXX XXXX  ( Finance ) XX/XX/year> XXXX XXXX  ( Finance ) XX/XX/year> XXXX
Product: Money transfer, virtual currency, or money service

I opened an account with Robinhood ( trading app ) XX/XX/year> and deposited about {$1000.00} USD into my account. It asked me to verify my identity with documents and ID, which I did, and everything seemed fine until after I bought XXXX and tried to send it to another wallet. Suddenly, my account was " restricted, '' and I was asked to provide additional documents ( bank statement, selfie, etc ) to further prove my identity. They said that they will review my account and submitted documents and get back to me in a few days ( I believe it was like XXXX or 3 days ). They also recommended that I " get into the queue '' for a customer support callback regarding my restrictions, so I didbut you'd think that the app would notify you just how long you're waiting or when they would call. I never received a call til several days later, I don't even remember when at this point. They called at an inconvenient hour ( I was at work ), left an automated voicemail saying that they tried to contact me and then sent me an e-mail saying the same thing, and that I should get back into the queue again for a callback and/or I can call XXXX to ask about my case ID that they've provided. For every e-mail that I've received regarding this, it's a different case ID, and every time I call the number, the automated machine says that this case has been closed. Every time I check my app for the status of my account, it says I need to take action and submit my documents ( even though I already have ) and that they will get back to me the next day ). They've kept pushing that date, since XX/XX/XXXX. It is now XX/XX/XXXX. I'm seriously about to go insane I've tried to see if there was an online chat system on their desktop app, and there really isn't XXXX. It's mostly a one-way automated chatbot system, and it doesn't even give you the option to type out a responseyou can only select responses. I've tried to contact them via XXXX, and someone finally responded but then said because of the " sensitivity '' of my case, it needs to be addressed over the phone. They said they would send me an e-mail to try and escalate thisbut then I don't even get the e-mail! I don't get it for almost 2 days later, and it's the same kind of e-mail I've been receivingabsolutely NOT helpful AT ALL. I had to XXXX on XXXX to see if anyone else is experiencing this and unfortunately find that there are SO MANY OTHERS who are dealing with the same exact thing. Someone recommended filing a complaint, so that's what I'm doing now.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX I am writing this complaint because I have tried working with the company and the credit bureau to resolve the fraudulent accounts that are on my credit report. I have provided them with a copy of my drivers licenses and a copy of my Social Security Card as proof that I never open any of the accounts listed and they are saying that because they have my personal information and the wrong address that this is my account. But this is truly Identity theft and under section 1681c2. Block of information resulting from identity theft ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
( b ) Notification A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section; and ( 4 ) of the effective dates of the block. Of 15 U.S. Code 1681c2 - Block of information resulting from identity theft The following accounts must be removed and permanently locked from my credit report. 
The accounts are listed as : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am asking that your company make them comply with the FCRA or fine them and I will also file a lawsuit against them.
Product: Mortgage

Please review complaint XXXX. 

Fay Servicing states that I had taken a loan for $ XXXX which is entirely untrue. I would like to know what that loan was for. I believe this is a fraudulent statement and would like the full amount dropped. The statement : " The loan has a current unpaid principal balance in the amount of {$220000.00} and a second principal balance ( balloon loan ) in the amount of {$160000.00}. '' is Ludacris. How could I have gotten a loan for {$390000.00} on a house worth {$240000.00}. I did not ever agree to a {$160000.00} loan, nor did I receive these funds in any bank account I owned. Please re-read the original complaint and help one of your customers get their life back.
Product: Credit reporting or other personal consumer reports

I don't have any idea about this account. This is purely identity theft. This account damaging my good credit reputation! 

DELETE THIS IDENTITY THEFT ACCOUNT ASAP!!! 

XXXX XXXX {$21000.00} XXXX XXXX XXXX {$10000.00} XXXX XXXX XXXXXXXX {$16000.00} XXXX XXXX XXXX XXXXXXXX {$16000.00} XXXX XXXX {$24000.00} XXXX XXXX {$33000.00} XXXX XXXX XXXXXXXX {$140.00} XXXXXXXX XXXX XXXX XXXXXXXX {$150.00} UNKNOWN ACCOUNT XXXX {$10000.00} INQUIRIES XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX I will never stop filing complaints against you because I know my rights!

In accordance with the Fair Credit Reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

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

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: Checking or savings account

I wrote a XXXX check # XXXX to Chase Bank on XX/XX/2017. 
Someone changed the to name from Chase to Chase re : XXXX XXXX and Chase submitted it to XXXX on XX/XX/2017 and it was paid from my acct. 
Someone also changed the account number in the memo section. You can see this in the endorsed check that came back through XXXX and a copy of the original check as written. 
I wrote this check to Chase to be credited to my mortgage with Chase. Chase did not credit my mortgage. 
Chase did present this endorsed check for payment to XXXX which XXXX paid out of my account. 
What did Chase do with the proceeds from check XXXX. Its clear that they credited it to someone else that I didnt intend for. 
XXXX submitted a claim to Chase to return my money but Chase has not returned my funds. 
Its clear that Chase credited this to another unintended Chase account, actually fraudulently done. What and when will I be remedied.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I am very upset you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent several letters, it's been over 60 days. I need these accounts deleted or updated. These are the items I demand be deleted immediately : XXXXSELF/opened XXXX $ XXXX reporting twice misleading false reporting unverifiable and inaccurate reporting. This account is a duplicate which is a FCRA violation XXXX : Date of inquiry : XX/XX/XXXX XXXX  : Date of inquiry : XX/XX/XXXX XXXX XXXX {$8500.00} XXXX : Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

hi my name is XXXX. I have a paypal account in my name as previously stated. I currently opened a paypal account to receive funds from my daughters father. ( we are not married or live together ) I only use paypal to make small online purchases like kids school uniforms, groceries, etc..and to receive money for my daughter.I opened my account on XXXX XXXX and XXXX XXXX they limited the access to the account with no further information posted only to call them. I called them and refused to give me any further information besides that my paypal account is limited and I asked repeatedly for answers on when my funds will be released. AGAIN THESE FUNDS ARE LEGAL FROM MY DAUGHTERS FATHER AND HAVE BEEN CLEARED BY PAYPAL. yet they want to hold them and make me responsible for his paypal account in bad standing. we do n't have the same last names, we are not legally married, we do n't live together so what does that have to do with freezing my account and the availability to withdraw my funds if this paypal account is solely mine. this is illegal to do so. I will be filing complaints electronically and on paper certified in the state of florida with the attorney generals office, the bbb and the united states federal reserve since paypal is n't a bank these complaints are looked into by them.
Product: Debt collection

Subject : XXXX XXXX and their debt collection department Zwicker & Associate are not providing the account numbers for my three credit cards. 

Issue : 1 ) XXXX XXXX removed Auto pay access from the three credit card account. 
2 ) XXXX XXXX & Zwicker & Associate refusing to provide account numbers for my three credit cards. I have the right to know my account numbers. 
3 ) The monthly XXXX XXXX statements only provide the last 5 digits of my three credit cards.

Background I intend to setup online bill payment with my Checking for which I need the 15 digit account number for my three credit card accounts. I reached out to XXXX XXXX on XX/XX/2019 around XXXX XXXX  at XXXX and they referred me to debt collection department Zwicker & Associate. XXXX XXXX representative told me to call at XXXX which is the debt collector Zwicker & Associate. I called Zwicker & Associate and they referred me back to XXXX XXXX and refused to provide the three account numbers for which debt is owed. Zwicker & Associate said XXXX XXXX had instructed them not to provide to the customer. I contacted XXXX XXXX again and this time the representative hang up the call and didn't provide the account number.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or XX/XX/XXXXXX/XX/XXXXXXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

XX/XX/XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I have attempted on multiple occasions to file a dispute against the creditor XXXX XXXX. This credit is violating my rights according to the Federal Credit Reporting Act because it is reporting inaccurate information as well as inconsistent information across the three major bureaus ( XXXX-6 missed payments, Experian-14 missed payments, & XXXX-14 missed payments ). XXXX is denying my ability to dispute these inaccuracies stating a dispute is already in progress. However their records show otherwise. XXXX is also not allowing me to dispute these inaccuracies & inconsistencies. They also continue to deny me an updated copy of my credit report. 
I am also having an issue with XXXX XXXX. On my XXXX report, this creditor is reporting this account as a charge-off, yet is also reporting the account as open, with one missed payment which is completely inaccurate and inconsistent. An account can not be both charged off and opened at the same time. This same account was removed from my XXXX account because of their inability to validate the debt. Yet this account is reporting on Experian as a charge-off and closed. 
I am entitled to a complete and accurate credit report. These credit reporting agencies are refusing to do their due diligence and properly investigate my disputes when it is clear these accounts are reporting inaccurately. They are all violating my consumer rights! This is damaging to my reputation and is hurting my chances of buying a home. This account needs to be removed immediately.