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

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

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

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. 

XXXX Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Upon requesting a credit line increase with one of my existing accounts, I became aware that there were a substantial number of collections and poor credit accounts that were not mine on my TransUnion credit report. These accounts only appeared on my TransUnion account and not the other 2 credit bureaus, thus hinting at an error with TransUnion. After filing an initial dispute it became apparent that someone else 's name appeared in numerous places on my credit file. It appeared that my data was mixed with other person 's. After a maintenance request with TransUnion most of the accounts that were not mine were removed from my file except for 1. I refiled the dispute but the investigation came back as verified as accurate and the account which is not mine remains on my credit file. TransUnion clearly did a poor job of verifying this account was mine and I had to call the lender directly to try to resolve it with them. TransUnion clearly has a very poor computerized credit reporting system that should be investigated. In addition, I had requested a freeze and fraud alert to be placed on my TransUnion credit report but came to learn later that they were never put in place. Also, the TransUnion website frequently malfunctions or prevents actions from being completed.
Product: Money transfer, virtual currency, or money service

On XX/XX/23, there was an unrecognized XXXX transaction made on my chase account to an unknown individual. Since I was still a minor at that time, it was under mine and my mothers ( XXXX XXXX ) name. We called chase and they spoke to my mother and a claim was filed. On XX/XX/23, I got a notice letter stating that it was authorized therefore a refund couldnt be provided.
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX XXXX  - XXXX
Product: Debt collection

I am being contacted by Midland credit management about a debt that I do not believe I owe. The account in question is for XXXX XXXX  account number XXXX for XXXX I am requesting debt validation and that I be sent the ORIGINAL CONTRACT for this supposed debt and also be sent the original amount that this debt was purchased for by Midland Credit Management and how much of a fee Midland Credit Management added to this account. By law can not be more than 20 % if this can not be provided I am requesting that this debt be immediately removed from all 3 credit bureaus. Also according to the state of Arkansas Midland Credit Management is not licensed to collect in the state. So I am also requesting proof that Midland Credit Management is licensed to collect debt in the state of Arkansas for one of it's residents or face possibly prosecution.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX and Im submitting this complaint on behalf of myself and for myself and will attach my State ID with this complaint for verification purposes. I am writing to delete the following information in my file. The items I need deleted are listed in the report. 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 Affidavit. Please delete the items as soon as possible.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( block , inc ) due to inadequate customer service and unfair practices, which violate the consumer financial protection act ( CFPA ). Specifically cash app 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: Credit reporting, credit repair services, or other personal consumer reports

FILE NUMBER ; XXXX ..... 

I was A victim of identity theft and as A result there are hard inquiries & A closed XXXX  account in which i did not authorize on my consumer report. I have attached the identity theft report that was requested from me to have the hard inquires removed as well as the XXXX account. I have wrote letters, faxed and submitted documentation and this issue has not been resolved. Here is A list of the unath hard in. 

Also the XXXX XXXX account is ia A FRAUD ACCOUNT. I DID NOT ATHORIZE THIS ACCOUNT. Please remove the fraud account along with all of the fraud hard inquries below. I HVE ATTACHED ID THEFT REPORT. Here is the list of hard inquires that should be removed due to fXXXXXXXX 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
Product: Credit reporting or other personal consumer reports

This creditor has used false, misleading and deceptive means to report the credit card account to my personal consumer profile, and to Credit Reporting Agencies. The account information reportig has multiple inaccuracies, and violations of multiple laws, acts, and regulations. 
XXXX XXXX has reported the last payment to the account on XX/XX/XXXX, and the date it was closed XX/XX/XXXX. The current payment status is " Derogatory ''. Although the account is a " charge off ''. The creditor continues to report " late payments '' as recent as XX/XX/XXXX. The reporting of any transaction history, without written consent from the consumer, is in violation of the Privacy Act of XXXX. Although the creditor has charged off the account, which is reflected in my consumer profile, the creditor continues to report adverse items. The account has been sold to a XXXX party, without proper disclosure to me from the original creditor ( XXXXXXXX XXXX XXXX. A charge off is a XXXX time event, and because it is the creditor should not be repeatedly reporting/continuously updating my personal consumer profile and reporting to Credit Reporting Agencies . These actions have and continue to incur damage to me on a monthly basis violating 15 USC 1681e ( b ) by misleading and inaccurate reporting. Also because the 3rd party purchaser of the charge off account and original creditor are reporting the same account " derogatory status and late payments '', the impact to my personal consumer profile is two-fold damaging, in violation of 15 USC 1681e ( b ) by not ensuring accurate representation of a debt obligation, 15 USC 1681s-2 ( a ) which prohibits misleading or duplicate reporting and 15 USC 1692e ( 8 ) communicating false credit information. The charge off by this creditor ( XXXX XXXX XXXX is required, by IRS guidelines to issue a XXXX for cancellation of debt over XXXX which has not been recieved to date.
Product: Payday loan, title loan, personal loan, or advance loan

I deposited two loan checks from XXXX XXXX and XXXX through a Chase Atm. My checkings account got closed because these checks could not be verified from chase. I called the lenders and they said they can verify the check chase just needs to call them, but Chase says they cant verify the checks because the numbers arent apart of their systems. I already made payments for both of these loans, and i have yet to get my funds from chase who are holding it, which {$5400.00}. I deposited {$1500.00} on XX/XX/XXXX and deposited {$3900.00} on XX/XX/XXXX both through a atm. My checkinngs account where i deposited both of these checks, got closed by chase on XX/XX/XXXX for the reason of them not being able to verify the checks. I have called relentlessly to chase to fix this situation and even gone to different branches in person to find assistance but they all say they cant help because of Chase systems, my lenders said chase just needs to call them to verify the checks, i already started making payments for the loan, and Chase wont release my funds, with both lenders I provided a different number for chase and they still said they cant verify the checks. HELP ME! I fear this will be an ongoing situation where I wont recieve my funds that Im already paying for :/
Product: Debt collection

Rubin and Yates LLC XXXX from New York on XXXX/XXXX/2015 threatened to have my wife arrested and have her picked up on her job in regards to a delinquent payday loan. Also they told her the debt be would settled for a different amount than we are being asked to pay.
Product: Credit reporting, credit repair services, or other personal consumer reports

TRANSUNION FAILED TO INVESTIGATE THE DISPUTED ITEMS WITHIN THE 30 DAY IVESTIGATION PERIOD. IN ADDITION THE FAILED TO PROVIDE THE INFORMATION ON FILE CONCERNING THE DISPUTED ITEMS PURSUANT TO SECTION 609
Product: Credit reporting or other personal consumer reports

To be clear, per FCRA 611 ( a ) ( 2 ) ( b ), your agency is required to forward all relevant information to the original creditor to ensure a proper investigation of my dispute. As required, FCRA 611 ( a ) ( 7 ) I am requesting to provide ALL information used for the investigation.Below are the items that do not belong to me that you continue to reXX/XX/XXXXPer the FCRA you are required to provide this information within 15 days or DELETE the negative items from my credit report.Please note that I am taking this matter very seriously and in fact do demand that you follow the law, in its entirety,
Product: Credit card

This issue is related to a fraudulent transaction for a XXXX XXXX from an online retailer named XXXX in the amount of {$92.00}. I purchased the watch with an Affirm Visa card ( ID : XXXX ). The watch was never shipped and never delivered. I emailed the merchant through the info provided on their website with no response. I disputed the transaction with Affirm ( Case ID Number : XXXX ). I am currently getting delay tactics when I inquire about the status. This is their normal run-around process when inquiring about a resolution status. This can be confirmed through a XXXX search on Affirm Customer Support ... many XXXX complaints. I reached out to Visa who said the issuing bank for the card was XXXXXXXX XXXX XXXX - Address : XXXX XXXX XXXX XXXX, XXXX, OH XXXX Phone : ( XXXX ) XXXX. The bank was quick to tell me that they were not responsible for chargebacks. I called Visa again who agreed to host a 3-way call to help resolve the issue. When we called the bank and asked for their chargeback department we were transferred to a company named XXXX who said they did not represent the bank but suggested that I submit a complaint with this organization. Chargeback is the normal path when you purchase with a XXXX and the merchandise is never delivered. Please assist. Thanks.
Product: Debt collection

This matter arises out of a dispute sent to XXXX XXXX on XXXX XXXX, XXXX at XXXX XXXX XXXX in XXXX, NH XXXX. ( See : Attachments ) XXXX XXXX failed to reply to my XXXX request and upon dispute transferred the debt to Delta Management Associates. ( See : CFPB Complaints # XXXX and # XXXX ) Upon the CFPB complaints Delta Management Associates then transferred the debt to XXXX XXXX who is attempting to collect the same debt that has yet to be validated by XXXX XXXX and/or Delta Management Associates. In response Delta Management Associates in complaint XXXX I specifically stated my opposition to Delta Management Associates that I did not authorization and/or consent to the release, transferring, selling, intrusion, data sharing, etc., of my private and/or personal identifiable information. I requested that any and all file ( s ), contract ( s ) and or information containing the name " XXXX XXXX '', address, email address, phone records, social security number, credit card information, phone number ( s ), etc. in any variation, spelling or derivative is to be DELETED from Delta Management Associates records. The company has dishonored my request. I also opposed to the disclosure, publicizing or revealing of any personal identifiable information to Delta Management Associates or any third party entities ; data broker services, direct marketing services, directory services, sponsors and entities in which Delta Management Associates is acting as an agent ( s ), licensee, joint venturer, publisher and or any other services that are affiliated with Delta Management Associates. XXXX XXXX and the aforementioned companies have violated XXXX XXXX et seq. in attempts to collect a debt by using false, abusive, deceptive, or misleading representation or means in connection with the collection of a debt ; attempted to extort payment with false litigation threats, false garnishment threats, threatening to enter a judgment also in violation of Section 807 ( 5 ) of the FDCPA, XXXX ; XXXX XXXX are " debt collector ( s ) '' engaging in deceptive and abusive practices that violate the FDCPA. In XXXX, the " FDCPA was enacted as a broad remedial statute designed to 'eliminate abusive debt collection practices by debt collectors, to insure that those " debt collectors '' who refrain from using abusive debt collection practices are not competitively disadvantaged. ' '' ( See : XXXX v. XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX see XXXX v. XXXX, XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX XXXX. XXXX. XXXX ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have new inquiries that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on ID THEFT REPORT # XXXX. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I opened and investigation on this account and it was not removed and is affecting my overall credit report.
Product: Mortgage

We execute d a Home Affordable Modification Agreement that  was booked on  XXXX   XXXX ,  2017 . At that time, our escrow amount was {$140000.00}. Escrow per our account statement dated  XXXX / XXXX /   2017  is {$1500.00}. T he Modification Agreement clea rly states that the estimated monthly escrow payment amount adjusts annually after yea r 1. It also clearly states that our total monthly payment of {$3200.00} adjusts annually after year 1. We have not completed year 1 and our monthly payment has incr eased to {$3300.00} which was due on  XXXX / XXXX /   2017. It has not been a year since we signed the Modification Agreement and our total monthly payment and our payment for escrow has increased. We would like to understand why our escrow payment and total monthly payment has increased four months after signing the Modification Agreement.
Product: Credit reporting or other personal consumer reports

Wells Fargo made an unauthorized credit inquiry on XX/XX/XXXX that is being reported on my XXXX credit report. I did not apply for credit with Wells Fargo or otherwise authorize the enquiry. 
I have written to Wells Fargo multiple times. They have acknowledged that the enquiry was not authorized and told me that they have contacted XXXX to have the enquiry removed, but the enquiry is still being reported by XXXX on my credit report as of XX/XX/XXXX. 
The unauthorized enquiry has caused and is causing me harm by lowering my credit score and increasing my costs for credit.
Product: Credit card

I am filing this complaint regarding my credit card company, XXXX, due to an unresolved issue that has caused significant stress and frustration. 

1. **Ignored Attempts to Resolve** : Since XX/XX/XXXX, I have made multiple attempts to resolve this issue with my credit card company. Despite reaching out via email and phone ( XXXX ), I have received no meaningful response or updates from them. This complete lack of communication has left me in the dark about the status of my account. 

2. **Deposit Being Held** : I made a deposit of {$100.00} as part of the onboarding process to open my secured credit card account on XX/XX/XXXX. Despite my deposit being accepted, it has now been XXXX weeks, and my account remains frozen. My **XXXX  XXXX bank statement** clearly shows the {$100.00} deposit made to XXXX. I believe there is no valid reason to withhold my deposit for this length of time. 

3. **Impact and Stress** : The ongoing delay and the companys failure to communicate have caused significant stress and inconvenience. This issue has not only affected my financial standing but has also led to mental distress due to the uncertainty of when, or if, my funds and account will be made available. 

4. **Additional Proof of Identity** : To further verify my identity, I have linked my **XXXX  account to both my XXXX XXXX XXXX  Account and XXXX credit account** , which required extremely secure measures to complete. These connections clearly show that I am the rightful owner of the account, and I have taken all necessary steps to prove my identity. 

5. **Request for Resolution** : I am requesting either that my account be unfrozen and ready for use immediately, or that my {$100.00} deposit be returned to me promptly. 

6. **Proof of Identity Documentation** : To further support my claim and validate my identity, I am attaching the following documents, which confirm my home address and my identity : XXXX XXXX XXXX XXXX XXXX : A current bill showing my name and home address. 
- XXXX XXXX XXXX : A copy of the credit card I received in the mail from XXXX, delivered to my home address. 
- XXXX XXXX XXXX  XXXX : A recent bank statement showing the {$100.00} deposit made to XXXX. 
- **US Passport** : A copy of my valid U.S. passport XXXX 
- **Legal Letter** : A legal document addressed to my home address. 
- **Emails Attempting to Resolve the Issue** : Copies of email correspondence showing my attempts to resolve this matter. 

7. **Willingness to Cooperate** : I am fully willing to provide any additional information needed to resolve this issue, including participating in phone calls or even a video chat, to further verify my identity and expedite the resolution. 

Thank you for your assistance.
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 XXXXXXXX XXXX  XXXX, Account name : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Account name : 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 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: Vehicle loan or lease

For starters I explained my situation, and the dealership put me in the same situation. Along with over charging they charged me XXXX for a XXXX  XXXX XXXX  when the value was XXXX XXXX which I put down XXXX XXXX XXXX and my car payment was XXXX a month. Doesnt seem fair I had lost my job and asked for time which they did not do they took it. Then wanted towing fee. I am still trying to get back on my feet I have a job working with XXXX children for how long I dont know because I need a vehicle and dont have one