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

My Name is XXXX XXXX Todays Date is XXXX XXXX And Im The Only One Involved in this CFPB complaint and FTC Report Number Is XXXX TransUnion Block Me From Viewing My Report Online, I'm Writing This Complaint Because My personal Information Was Exposed In A Data Breach I Checked Online & Found Out About The Data Breach I Looked Up My Credit Report I Found Inaccurate, False And Fraudulent Information That Don't Belong To Me I Contacted My Local Police Made A Report They Also Told Me To Make A Report With FTC Because Of Jurisdictions Ive Listed As Many Fraudulent Accounts As I Could .Also Recently I Called TransUnion Filed A Dispute Myself And Also I Went Online Submited A Dispute And That Wasn't Helpful At All These Fraudulent Debt Is Hindering My Ability To Apply For My New Home Loan I Don't Know Where To Start Or The Next Step To Take To Remedy This Situation Which Has Caused Financial And Emotional Stress Worst Part I Was Denied A Job Based On Negative Information On My Report, Due to Covd19 I Was Recently Laid Off My Last Employer Now Every Employment Job Opportunity Is Online Based With Background & Credit Check Which Ive Been Denied Due To False Information Reporting With TransUnion..I Have Been Subjected To Adverse Action Pertaining To The CRA 's Reporting Inaccurate Information As A Result Of Fraud Am A Victim Of Identify Theft And I Already Placed A FRAUD ALERT On My Credit Reports Here 's The List Of The Fraudulent Accounts : XXXX XXXX XXXX  XXXX XXXX {$36000.00} XXXX Date opened XX/XX/XXXX XXXX  XXXX XXXX  XXXX XXXX {$590.00} Collection opened XX/XX/XXXX XXXX XXXX XXXX ( ( XXXX XXXX XXXX XXXX XXXX XXXX ) ) XXXX XXXX XX/XX/XXXX I Even Called TransUnion Today Waited 3 Hours Before Someone Answered The Phone Just To Hang Up In My Face I'm Very Disapointed With The Way TransUnion Has Been Handling My Report 103 true Identity theft ) I am a victim of identity theft. The information listed below, which appears on my credit report, FTC Report XXXX XXXX 605 ( b ) Block. Item must be blocked in no less than ( 4 ) days
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent out a Validation Letter to Macys/DSNB. 
I received a letter stating of an account they have. However they did not validate the account information that i requested. This has shown up on my credit report this has caused me stress and health concerns.
Product: Credit reporting, credit repair services, or other personal consumer reports

HELLO TIRED OF WRITING XXXX, XXXX, EXPERIAN ABOUT BREAKING THE LAWS. I XXXX XXXX THE LIVING HUMAN BEING NATURAL PERSON NEVER GAVE THESE AGENCIES ANY PERMISSION OR AUTHORIZATION TO REPORT THESE ACCOUNTS ON MY CREDIT REPORT. I AM PREPARED TO GO TO COURT IF THEY CONTINUE TO REPORT THESE ACCOUNTS ON MY CREDIT REPORT. 

NO CONSENT IS IDENTITY THEFT!!!!!!!!!
Product: Credit reporting or other personal consumer reports

This company accessed my credit report without my permission, resulting in damage to my credit and score. Despite contacting Equifax and being assured that this inquiry would be removed, it still appears on my report. This unauthorized and fraudulent inquiry is causing me significant anxiety, as it may indicate I'm a victim of identity theft, adding unnecessary stress to my life and further impacting my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any account listed on an id theft report. Please find the required documents to assist in the blocking 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. 

XXXX XXXX : XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) Balance {$430.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) Balance {$20000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) Balance {$970.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) Balance {$33000.00} XXXX Balance {$3900.00} XXXX XXXX XXXX Balance {$13000.00} XXXX Balance {$1100.00} INQUIRY : XXXX XX/XX/XXXX XXXX XXXX : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) Balance {$430.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Balance {$250.00} XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX ) Balance {$3900.00} XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Balance {$1100.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Balance {$20000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Balance {$970.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) Balance {$33000.00} XXXX XXXX XXXX Balance {$13000.00} INQUIRIES : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX EQUIFAX COLLECTION : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) Balance {$430.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) Balance {$20000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) Balance {$970.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) Balance {$33000.00} XXXX Balance {$3900.00} XXXX XXXX XXXX Balance {$13000.00} XXXX Balance {$1100.00} INQUIRY : XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a Bum. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX  XXXX and stopping me from getting this job offer XXXX XXXX XXXX XXXX XXXX  cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE
Product: Credit reporting or other personal consumer reports

I am writing to complaint to TRANSUNION about the reported incorrect and inaccurate information on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, FL, XXXX, and my name is XXXX XXXX. My birthdate is XX/XX/1966. I have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove the late payments them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus. This is a proper question of data and announcing
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed bankruptcy XXXX of XXXX. After it discharged, there was a reporting of a loan that was included in the bankruptcy. I submitted documents for proof and the credit bureaus were made aware. The disputes always came back immediately verified as accurate. Then there was a reporting of a late payment, after I spoke to both the creditor and credit bureau, advised both of the account in bankruptcy, and they still decided to move forward with the inaccurate reporting. It caused my credit score to drop XXXX points immediately after the reporting and I would like for it to be restored as quick as it was decreased. I cant move forward if instances like this keeps pushing me back. I seriously filed bankruptcy for a fresh start, not to just see how it works. 

Date Submitted Results XX/XX/XXXX View Dispute Results XX/XX/XXXX View Dispute Results XX/XX/XXXX View Dispute Results XX/XX/XXXX View Dispute Results XX/XX/XXXX View Dispute Results Also submitted a consumer statement that was completely ignored : I HAVE INCLUDED THIS ACCOUNT IN A XXXX XXXX BANKRUPTCY AND IT IS A VIOLATION OF THE VIRGINIA LAW THAT IT IS BEING REPORTED TO CREDIT BUREAUS. I HAVE AN ATTORNEY, THEIR CONTACT INFORMATION AND A DISCHARGE LETTER FOR PROOF. AUTOPAY BOUGHT BAD DEBT FROM XXXX XXXX. THE CREDITOR DID NOT OBJECT TO THE DEBT WHILE IT WAS FILED AND COMPLETED.
Product: Credit card

home depot access my credit file without my consent and used my non publlic infomation and took adverse action against me, based on this information they lowered my credit limit and i had good standing with them
Product: Prepaid card

I received an AMEX gift card. Ive attempted to use it for online purchases and it is continuously declined despite having a balance of {$500.00}. Ive review the FAQ on the website, tried adding it to my XXXX XXXX  and XXXX as a workaround and still cant use it. It seems like a really dishonest practice to sell something that consumers cant actually use. After doing research online I found that many other people have had this issue and have turned to CFPB for relief
Product: Credit card or prepaid card

CEASE AND DESIST LOWE 'S SYNCHRONY Pursuant to 15 USC 1692c. ( c ) I am notifying you in writing that I refuse to pay this alleged debt, and I am demanding that you cease all forms of communication with me through any and all mediums. Pursuant to 15 USC 1692c. ( c ) ( 2 ) I am invoking my specified remedy as a consumer, and the original creditor I am demanding all of the following : Do NOT close MY account without MY authorized permission. This is account is my property, as it was an extension of MY credit card ( social security card, pursuant 15 USC 160XXXX ( l ) ) -Zero out the balance on this account. -Do not seize or attempt to seize anything in my possession. Again, I initiated this transaction with my credit card ( social security card number ), and this ensures that my account is paid in full in 15 USC 1602 ( l ). I did not fill out a LOAN application because banks can not lend money ( 12 USC 1431 ) -this looks a lot like fraud to me. I am the consumer, and should benefit from this transaction. LOWES SYNCHRONY, you did not lend these funds to me to utilize the account ending in XXXX. I participated in a consumer credit transaction using my social security number ( credit card ) and not a loan Pursuant to 15 USC 1602 ( i ). At this point I have determined that I am not going to allow my rights to be violated anymore by you. LOWES SYNCHRONY is involved in fraud in many ways, and you knowingly violated me with the fact that any balance over {$1.00} should be credited to my account. I am demanding you to refund any part of the amount of the remaining credit balance, leave my account open to utilize each and every month. LOWES SYNCHRONY, by federal law definition you are a debt collector, 15 USC 1692a ( 6 ) or who regularly collects or attempts to collect, directly or indirectly, debts owed. I will also be forwarding this complaint to the Attorney General. Best regards, XXXX XXXX
Product: Vehicle loan or lease

On XX/XX/XXXX I leased a used XXXX XXXX XXXX from American Car Center in XXXX Alabama however XXXX months after I leased this vehicle the original dealer got shut out of business and A wrongful debt collector by the name of Westlake Portfolio Management says I owe them XXXX XXXXXXXXfor a {$8000.00} car that Was a total loss due to automobile accident in XXXX XXXX XXXX I had insurance coverage but the insurance company said they will never be allowed to get the title to this loss because the Original Car Dealer went out of Business I spoke with the District Attorney of XXXX XXXX Alabama whom exact words to me when I explained this same matter to him he stated that Sir if the Original Contract Owner went out of business and sold your lease thats illegal and you have a free Car They Already in the Collection Process and this vehicle and you never signed a vehicle lease contract with them and you will never be able to get the title A debt collector is just the same as a Good Samaritan I didnt asked them or have any understanding why someone such as debt collectors can voluntarily pay your debt to another business at there own free will with negative intentions like crashing my credit score down to the XXXX Im A XXXX  % XXXX XXXX  American Veteran and Im receiving XXXX XXXX XXXXXXXXXXXX XXXXs since XXXX Im not Responsible and theyre just wasting their time tryna collect I didnt lease no car from them they dont sell cars Please See That this Auto lease is removed from my credit file
Product: Credit reporting or other personal consumer reports

I have fraudulent inquiries on my report that i need removed asap, Im in the middle of buying a home. XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX, 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 XXXX  The Fair Credit Reporting Act, 15 U.S.C. 1681 et seq., is federal legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies.
Product: Credit reporting or other personal consumer reports

This is in regard following account ; Alleged Creditor : XXXX  XXXX Account Number : XXXX Per 15 U.S. Code 1681c2 Consumer Reporting Agencies shall block the reporting of any information in their files after the consumer identifies the information being reported is due to identity theft. Please remove this account not later than 4 business days upon receipt. Please send along documentation certified/accredited by the alleged creditor if they believe this account belongs to me, otherwise REMOVE IMMEDIATELY.

Attachments : Driver License, Social Security card, FTC Reports, Police Report.
Product: Mortgage

My home was listed for sale, a Coldwell Banker real estate client made an offer, went contingent and now has a pending sale. The Coldwell Banker agent sold the buyer that going through Coldwell Banker Home Loans ( mortgage lender ) would be quickest and easiest. The offer was made on XXXX XXXX with a close date of XXXX XXXX. That day has come and gone. The buyer has been 100 % cleared to close on his financial but Coldwell Banker Home Loans has an issue with the Lane the house is on. This issue arrises just two days before closing, they are questioning the maintenance of the lane. The realtor has been to the house with the buyers 3 times and the buyer 4 times. The Lane has always been a " private lane '' and the bank and real estate agent were aware from day one. The buyers were all packed and ready to go to closing on XXXX XXXX. They have XXXX small children and a dog and we found out we were not closing at XXXX ( just XXXX hours before closing ). 

The home is located on a " private lane '' and when I say private, I mean there are XXXX occupied houses directly off the XXXX mile, paved/gravel lane, there are XXXX cars that utilize the lane daily, it is extremely well maintained. Its the only way in and the only way out. The Lane is in a populated area off a XXXX In XXXX, a deed was filed with the XXXX County Courts stating that the Lane will be a right of way to access all properties and will be maintained by current residents, aires and successors. The house in question is # XXXX of XXXX on the Lane. 

Apparently, Coldwell Banker Home Loans ( CBHL ) is creating a " what if '' situation and holding up the sale of this house. CBHL is trying to create a Home Owners Association, bully the buyer and neighbors. There excuse is " IF '' the buyer defaults on the house and does n't maintain the Lane and the neighbors do n't maintain the Lane, they may not be able to access the property. They want all of the neighbors to commit to the exact maintenance of the Lane. How much time they will commit, who will manage it, who will plow and salt, gravel, etc. This is an absurd request and they are abusing there power as a lender. The Lane has not and will not ever become impassable for any reason. I bought this property in XXXX and XXXX never even questioned the Lane. CBHL is sending an appraiser out to look at the Lane, however, he 's on vacation until Wed, XXXX XXXX. There is not and has not been any sense of urgency in this matter and they do n't care that this family is homeless at the current time. CBHL needs a reality check! 

I have done an addendum to the Sales Contract and the buyers have singed it and agree 100 %. If CBHL does n't give the buyers a clear to close by this Thursday, XXXX XXXX at XXXX, the buyers are to apply immediately with XXXX. 

I am in direct contact with the buyers and they are just as angry and I am. CBHL is taking peoples lives and recklessly destroying what should be a semi pleasant process for families. They need to be held accountable to process loans in a timely manner. The buyer did his part and as approved on his financial. CBHL is playing games and could careless about the family.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Protections Under the Coronavirus CARES Act Under the CARES Act, if your account is up to date and you make a debt-relief deal with a creditor, that creditor must continue to report the debt as current. If you miss one or more loan, credit card, or mortgage payments because of the coronavirus ( COVID-19 ) pandemic, the creditor can report you as delinquent to the three main credit reporting bureausXXXX, Experian, and XXXXand your credit score will take a hit. The CARES Act, which was signed into law on XX/XX/XXXX, Act amends the Fair Credit Reporting Act ( FCRA ) to stop adverse credit reporting during the COVID-19 crisisbut only under specific circumstances. ( See 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( F ). ) Under the amended FCRA, if a " furnisher '' makes an accommodation because you were affected by COVID-19 during the covered period ( see below ), that furnisher must report your account as current to the credit reporting agencies, so long as you weren't already delinquent on payments. ( A " furnisher '' is an entity, like a lender or creditor, that provides information relating to consumers to one or more credit reporting agencies for inclusion in a credit report. ) XXXX XXXX XXXX XXXX Last 4 of account # XXXX XX/XX/XXXX ( XXXX, XXXX )
Product: Vehicle loan or lease

Chase Auto called me at XXXX XXXX  XXXX and threated me. 
XXXX Ext XXXX Just to refresh Chase bank memory of Law Under act 15 U.S. Code 1692f - Unfair practices ( 6 ) Taking or threatening to take any nonjudicial action to effect dispossession or disablement of property if ( A ) there is no present right to possession of the property claimed as collateral through an enforceable security interest ; ( B ) there is no present intention to take possession of the property ; or ( C ) the property is exempt by law from such dispossession or disablement.
Product: Credit reporting or other personal consumer reports

The presence of these unauthorized accounts and inquiries has caused considerable concern about my financial stability. It is crucial that my credit report accurately represents my financial history, as it plays a vital role in informing potential lenders about my financial management. Therefore, I am requesting an urgent investigation and swift correction of the following inaccuracies and unauthorized accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX  Previous Address ( es ) : XXXX XXXX XXXX XXXX, MA XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX MA XXXX XX/XX/XXXX Employers : XXXX  XXXX XXXX Employers : XXXX XXXX
Product: Vehicle loan or lease

Received an email saying, " Your auto loan statement is available '' from CapitalOne. I do not have any accounts or loans with CapitalOne. I do not have any auto loans with any bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company shows that I have a balance with my current insurance company however after contacting XXXX XXXX they confirmed that there is no balance. I requested for them to remove the incorrect information however they said they would only remove the information if I were to pay the incorrect balance. This sounds like a scam to me however they are impacting my credit report and I will be seeking litigation and sue the company for each incorrect entry on each of my credit reports showing the data as per the FDCPA laws. 

This is the data listed : XXXX XXXX XXXX XXXX Collection Account {$120.00} Date Opened : XX/XX/2022 XXXX XXXX XXXX XXXX Collection Account {$980.00} Date Opened : XX/XX/2022 2022
Product: Credit reporting, credit repair services, or other personal consumer reports

Kia finance attempting to collect a Insurance deductible for XXXX XXXX following car accident on XX/XX/22. Car was insured by XXXX, paid in full and residual excess value after meeting XXXX deductible was given to me via direct deposit. Last payment on lease made XX/XX/22 almost XXXX months after accident. Following this XXXX informed me to cease ALL payments to XXXX. 

Kia motor finance calls me daily and hangs up as soon as I answer, no one at XXXX can explain to me why its there, only the amount they think is owed. 

XXXX is attacking my credit illegally and filing the fraudulent deductible balance as a delinquent payment despite no statements saying I am required to make monthly installments on this deductible. I am going to be consulting an attorney and potentially suing for damages as I took a near XXXX point hit. 

XXXX was already sued for $ XXXX for this after my car accident happened. XXXX is handling this matter unprofessionally and in a toxic manner as the only time the harassing caller answered me was to argue and have a toxic harassing attitude. 

I have reported this to XXXX  with no response following the report, and XXXX also fails to respond in a timely manner following internal investigations if they even actually perform XXXX, only returning paperwork saying I owe a deductible. I never signed any paperwork for XXXX products involving insurance through Kia. 

I owe XXXX $ on this lease and the documentation states it, they provided me documentation to literally purchase the totaled car for over XXXX XXXX This makes no sense.