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

In accordance with the Fair Credit Reporting Act. The list of the accounts below has violated my federally protected consumer rights to privacy and confidentiality under law 1562 USC 1681. 

Account name : XXXX XXXX XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX Account number : XXXX Account Name : XXXX XXXX XXXX Account number : XXXX Account Name : XXXX XXXX XXXX Account number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : DEPT OF ED/XXXX Account Name : XXXX Account Name : XXXX XXXX Account Name : XXXX Account Name : DEPT OF ED/XXXX Account Name : XXXX 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. States : It also states a consumer reporting agency can not furnish a account with 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 than adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C 1681s- ( A ) ( 1 ) A person may 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

These are the companies that I found on my credit file. These were done fraudulently without my consent. I dont know how my information was used to make these inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXETER FINANCE LLCXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

As of XX/XX/XXXX, Goldman Sac blocked my sign on access from card.apple.com rendering me the inability to make a payment on the card. Upon reaching out to Goldman Sac on XXXX the customer service team transferred me 4 times to apple support never removing the block from my online account and provided me a XXXX XXXX by manager XXXX. My wallet from the XXXX or XXXX does not allow me to schedule any payments.
Product: Credit reporting or other personal consumer reports

I woke up to find inaccurate accounts on my credit report, and Im completely baffled as to why this has happened. I routinely check my report, but this time, there are discrepancies that appeared out of nowhere. I even refreshed my browser, thinking it might just be a glitch, but nothing changed. The incorrect accounts remained, and I dont know what to do. Please review the documents Ive provided carefully, so I can finally have peace of mind and stop worrying about this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted all of the companies that had an inquiry on my report as I did not initiate these and they told me I would have to dispute with the credit bureau. So I called the credit bureau Equifax and they told me I would have to call the company to dispute. I feel as though both companies are just passing the buck to one another. I asked the credit bureau where is the validation proof of my signature that I initiated these inquires and they have failed to provide any as well as the companies have failed to provide this as well. As a consumer I have rights under the FCRA and Federal Law mandates that I receive a response to my dispute letter within 30 days of receipt of my dispute letter which was sent on XX/XX/XXXX. Please remove the following inquiries from my report as pursuant to 15 U.S.C. 1681b section 604 ( c ) ( 3 ) of the Fair Credit reporting act whereby a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. *XXXX XX/XX/XXXX *XXXX XX/XX/XXXX *XXXX XX/XX/XXXX *XXXX XX/XX/XXXX *XXXX XXXX XX/XX/XXXX *XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

On XX/XX/2023, I opened a checking account online because someone who holds an account at the same financial institute, Capital One owed me money. She asked me to open an account with Capital One so the money can be transferred/credited without any issues. On XX/XX/XXXX, that person deposited the money into my account via wire transfer and said that they were charged {$30.00} for the wire and the whole amount of {$21000.00} plus {$30.00} was debited from their account right away. Those funds were showing as the current balance but not as available balance in my account. In fact, those funds were never made available in my account. When I checked my account on XX/XX/XXXX, those funds were in available balance, but the message said " Your funds are currently not available for withdrawal. Please call us at XXXX ''. When I tried to contact the bank at that number, they said they don't have a record of that transaction. And few days later, the funds were gone, and the balance showed as XXXX and they closed the account. So, we asked the person to send us the checks for that same amount so we can deposit it into my other account, and when they did, I deposited into another financial institute and those checks cleared without any issue. 
Few months later, when I went to open an account at XXXX and XXXX XXXX, I was unable to open it due to being reported to early warning. That was a shocking news for me because I never did fraud of any kind. 
The money was deposited into my account, and it wasn't me who attempted any fraud. 
I have screenshots and pictures of the transactions. 
I failed to understand the reason for reporting me to early warning as I have not done any fraud. I was received a wire transfer from the same Capital One bank account holder and I didn't write any fraudulent checks. Why was I reported for no fault of my own? 
Please correct that error, so I can open new accounts and continue on with my business. 
I want this corrected right away please. This was reported erroneously as I see no reason to be reported.
Product: Mortgage

On XX/XX/XXXX, my wife and I signed documents for a loan with XXXX XXXX  XXXX in the amount of {$66000.00}. We paid on this loan for several years until the economic downturn took place here in California around XXXX. It is my understand the loan transferred from XXXX to XXXX, then to Green Tree and then to Ditech. Unfortunately, I do not have any account information with the exception of the original lien that was filed with the XXXX XXXX County Recorders Office ( see attached file ). The last piece of information I remember seeing from Diteck stated they were no longer pursuing this loan. My ex has told me this loan was paid in full and was part of a charge off from XXXX and a prior bankruptcy from Ditech. She does not have any further information, account paperwork or numbers. I am looking at refinancing the property and the attached lien is not allowing me to proceed. I have tried for over a month now to find ways make contact with any representative of Ditech to obtain information about removal of the lien. I have also reached out to XXXX XXXX and XXXX XXXX but they indicate they have no record of any loan or information linked to my Social Security Number. I have also spoken with an investigator out of the State of Texas who said he has had three other people contact his department with the same issue. He further stated, and XXXX XXXX has confirmed, Ditech has not forwarded any files which were closed or no longer relevant. I am hoping you can assist me in obtaining the account information and a reconveyance so I can proceed with my refinance.
Product: Checking or savings account

This may have to do with JPMorgan Chase again playing games and trying to ruin me. I requested my statements. By law I am allowed to get my statements. They continue not sending me this year. 2022. I asked for XXXX to present and they keep sending me one month. I have had two Checking accounts and two savings accounts with many months for 2022. They closed it upon me not being asked. I have a letter that I can publish in which they say the decision was mutual. This was not done mutual. They took it upon themselves and back dated the letter the day before they tried to close the accounts. They were caught in such a lie. Which shows that they didn't even contact me. This was done by one or two malignant people in which I have their full information. I have called about seven times and have a representative at a branch help me get my statements and they are holding them hostage. Just like they did with my money. They will not give me one simple request. A full year for 2022. I am talking every month. Not just one month. This company is beyond evil and they are doing this on purpose. I need the statements and I have no idea what to do. LEGALLY I am entitled to get them. I hope the public and the FTC can see how malignant JPMorgan Chase is. They are harmful and they will ruin you physically. I almost got hurt by a manager in which I have her email and her name and the security guard. My elderly mother who is XXXX was also going to be the victim. I recommend not to walk, nor deposit your money with them. I am not ever going to step foot into one of these branches. I am scared out of my mind. I hope someone can do something about this.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX is reporting an account as in collections. This account was paid in full to the creditor. The status from the creditor states paid, closed, never late. XXXX XXXXXXXX acct # XXXX has been paid and should not be reporting as a collection on my credit report.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting or other personal consumer reports

IM having a problem with the credit reporting agency reporting information that keep dropping my credit score it is hard for me to get a good interest rate in purchasing a home or car my credit cards rates are 29.99 % the credit bureas are playing with my score I would like for some one to help me find out what happening with my reports with all three Burea XXXX XXXX, Experian I have XXXX % payment history never late no delinquency, no legals records
Product: Vehicle loan or lease

This company gave me a car loan then contacted the car dealership and said the second company I worked for was fake/ gave fake check stubs because it was on XXXX software- they never called my second job which I have been at four years - its a small business and doesnt use a XXXX or XXXX system- my employer called them and they told her they didnt say this! They made me return the car after 25 days and didnt try to work my deal or eve call to verify my legit job!!!! They ran my credit so many times but didnt verify my jobs and refused to help me
Product: Debt collection

On XXXX I made a request for a payment arrangement with AriasBosinger requesting a payment arrangement in order to settle a {$2100.00} debt owed. On this date I made a payment of {$210.00}, about 10 % of the total debt, in order to execute this arrangement request, as required by AriasBosinger. To note, in order to make this payment arrangement I was forced to agree to a {$350.00} pay-to-pay fee to be added to my total debt. 

On XX/XX/28 I received a 12-month payment arrangement from AriasBosinger with a modified total debt of {$3800.00} which included the {$350.00} payment arrangement fee, {$920.00} in future dated assessments, {$100.00} in future dated late fees, and {$290.00} in future dated interest ( for the {$920.00} in assessments ). The arrangement also had no language stating that if payments in excess of their monthly requested amount ( {$320.00} ) that the total number of monthly payments or any future dated fees/interest would be removed from the total debt, therefore making the total amount due less. 

Between XXXX and today, XXXX, I made multiple requests to XXXX XXXX XXXX, the attorney with AriasBosinger handling this case to update this language, or to remove the future dated assessments, fees, and interest from this arrangement and allow them to be settled with the original creditor ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). As of today, XXXX, no changes have been made, or have attempted to be made. 

This arrangement and the attorney 's office involved is violating the FDCPA in its regards to unfair and deceptive practices. Their addition of the {$350.00} arrangement fee as well as their additions of future dated assessments, fees, interest, and inability to make it clear to debtors that their debt can be cleared if payments in excess are made.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The TransUnion are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items below : Personal Information : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX MN XXXX Inquiries : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX
Product: Debt collection

I am a Sole Proprietor with a Business Phone number. IQ Data International @ XXXX called to collect a very questionable debt. 

They did not confirm my identity, and started to threaten my employee thinking she was me. 
They told her I owe money to a utility company. 

I have never received a letter by mail, email, or any other means of communication. 

When they started to shout and speak over my employee, I took the phone and asked if they were looking for a cleaner, and stated our hourly rate. He began to shout at me, telling me to calm down. He demanded proof that I don't owe his company the money, which is just a joke! 

Can we please get XXXX XXXX at IQ Data International to stop illegally calling companies in order to collect a fake debt, AND threatening employee 's, whom were never asked any security questions to confirm identity? 

I would like the harrassing Phone calls to stop kindly, as they can reach me by registered mail with any questions, or concerns. 
Thanks and have a gorgeous day!!!
Product: Debt collection

I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking. My official complaint is against CAC FINANCIAL CORP. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief. These companies disregard laws and dont care whos credit or lives they impact.
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items that are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

I paid {$200.00} towards the debt by mailing a check XX/XX/2021. The check has yet to be cashed. Now they filed and won a garnishment hearing without my knowledge and against fdcpa protocol. 
They demanded my income, when this is only a payback. Threatened my job saying garnishment can cause my employer to fire me. They stated by law I have to do as they command. 
This has caused stress now that Im being bullied to the point I dont XXXX XXXX or XXXX XXXX. This is so stressful that Im trying to pay them. Yet they want this to go to court to get my information. They are representing XXXXXXXX XXXX XXXX and are a lawyer. Weltman, Weinberg and Reis Only one communication from them. An address to mail payments. No online portal. No over phone. They are making it as difficult as they can and bullying me
Product: Credit reporting or other personal consumer reports

I am writing to express my deep dissatisfaction and frustration concerning the numerous unsuccessful attempts to remove a fraudulent inquiries and an unknown address from my credit file. Despite my persistent efforts to address these issues, the inaccurate information persists, causing significant harm to my creditworthiness and financial stability. 

There are fraudulent inquiries on my credit report that I have been attempting to dispute. I have made numerous attempts to have this inquiry removed, providing substantial evidence to confirm its fraudulent nature. 

An unknown address is also inaccurately associated with my credit file. Despite multiple attempts to rectify this matter, the unknown address remains on my credit report, negatively impacting my credit profile. 

I have submitted dispute requests on many occasions, following the established procedures outlined by your organization. However, these efforts have been met with limited success, and both the fraudulent inquiry and unknown address persist on my credit report. 

The presence of these inaccuracies has severe consequences for my creditworthiness, affecting my ability to obtain credit, secure favorable interest rates, and maintain financial stability. 

I formally request that you conduct a thorough and expedited investigation into both the fraudulent inquiry and the unknown address on my credit file. I have attached copies of supporting documentation to validate my claims. 

Additionally, I insist on clear and timely communication throughout the resolution process and a written confirmation once the investigation is complete. It is imperative for me to receive assurance that both the fraudulent inquiries and the unknown address will be promptly and permanently removed from my credit history. 

If this matter is not addressed satisfactorily withinthe specified timeframe from the date of this letter, I will have no choice but to escalate this complaint to regulatory authorities and seek legal counsel to protect my rights as a consumer. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 supposedly signed up for a credit card in 2021 called Aspire. I NEVER DID. I have been trying to get this wiped from my credit report for years now and each time the case gets closed with the card company in favor. The fact of the matter is this .... I spoke to Aspire " Fraud Investigation '' and they confirmed that this card was NEVER received NOR was it EVER used. The balance they are trying to collect from me is completely unethical and is supposedly 100 % fees!!! If I never received the card, HOW AM I LIABLE?! Not to mention that I never signed up for it to begin with. I can't get XXXX to resolve this for me as the card company keeps saying I owe and that XXXX XXXX XXXX is now the collector for this account which makes no sense at all seeing as though THIS IS COMPLETELY FRAUDULENT IN EVERY WAY. Beware of Aspire. They will ruin your credit report and you'll never get a resolution.
Product: Credit reporting or other personal consumer reports

First, as a federally protected consumer and under the Privacy Act of 1974 ( 5 U.S. Code 552 ), the furnisher of information to credit agencies must first obtain consent from the consumer before reporting anything on their credit report, and the consumer has the right to " opt out '' of anything that is on their credit report. Any and all consent to Equifax and XXXX ( furnishers of information to credit agencies ), whether verbal, non-verbal, written, implied, or otherwise, is revoked. 15 USC 6802 ( B ) ( C ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. " 15 USC 6508 for opting out. Also, I have never contracted with XXXX XXXX XXXX ( furnisher of information to credit agencies ). XXXX XXXX XXXX has Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681 ( a ) ( 5 ) states, " Except as authorized under subsection ( b ), 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 for crimes that antedate the report by more than seven years. '' This account is an adverse item ; they are reporting it again without my permission, which is against the law. 15 USC 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. 15 USC 1681e states, " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. '' Equifax and XXXX are not maintaining reasonable procedures. Therefore, 1q23 CFR 1016.7 states that " a consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services on XXXX XXXX XXXX. I am requesting XXXX XXXX XXXX furnish a contract with my wet ink signature, showing I have legitimately contracted with them. 

This account has caused detrimental harm for my ability to qualify for lines of credit for home buying and auto buying.