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

Good day, This issue is in regards to my credit report. I have several accounts listed below that don't belong to me. I am an XXXX XXXX XXXX who has been XXXX XXXX  for the past XXXX years. I also have alot of hard credit pulls on my report dating back to XX/XX/2022 that I didnt approve. I have written letters to all three credit bureau and haven't received an response. This may be due to there being incorrect names reported on my credit report, such as XXXX XXXX, XXXX XXXX, and XXXX XXXX. Below are the accounts XXXX XXXXXXXX XXXX- {$1600.00}. 

XXXX XXXX XXXX {$1300.00}. 

XXXX XXXX {$1200.00}. 

XXXX XXXX {$69.00}. 

XXXX XXXX {$2100.00} XXXX XXXX XXXX {$460.00}
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  Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  Account XXXX : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX  Account Number : XXXX  Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX  Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX ============================================ UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 : 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 XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

We purchased a whole kitchen set dishwasher fridge stove and microwave it was all good till they delivered it the sales person text me made sure everything was good on day 1 when the 3rd party that they hired came to install it they installed the microwave and dishwasher incorrectly I text sales person went from How are things going to this is your problem you call them so with bad customer service we purchased a different set pack Conns set up and took it back to them after only a week we left it on the front because of covid we can not go inside he rudely said he would take care of it when he got a chance and since then this company had messed up my credit I worked hard to keep with items they have I want this removed of my credit now
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX Social Security : XXXX Consumer Date of Birth : XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXXXXXX XXXX  on XX/XX/XXXX under account number XXXX. These account have resulted in fraudulent charge off appearing on my consumer XXXX credit report. I've attached a copy of my consumer report of the fraudulent charge off in question by which shows the aforementioned fraudulent item. I do not recognize the aforementioned account on my consumer credit report maintained by you were opened, made, or initiated by me. The aforementioned account is the result of identity theft and fraud. I have attached a copy of FTC XXXX Complaint # XXXX as proof from the XXXX Federal Trade Commission that the aforementioned consumer credit account are the result of identity theft and fraud.
Product: Money transfer, virtual currency, or money service

I sell items on XXXX. All XXXX transactions are processed through PayPal. On XX/XX/XXXX, I received an email from PayPal stating that a customer who had purchased an item on XX/XX/XXXX opened a case with their credit card company stating that they didn't recognize the charge. This resulted in PayPal opening a case and withholding the amount of the transaction ( {$24.00} ). 
I responded to the PayPal case and suggested that the customer probably just forgot they ordered the item and I provided the transaction info, pasted here : XXXX this transaction was an ebay purchase made on XX/XX/XXXX for : XXXX and XXXX XXXX GPS Map XX/XX/XXXX on MicroSD for XXXX Devices XXXX item number : XXXX XXXX In the meantime, I received a message via XXXX Messages from the customer ( XXXX ) stating " I need to pay you my wife cancel payment didnt realize I had ordered chip ''. 
From this, it's clear that the buyer 's dispute of the transaction was in error. 
This info regarding the customer 's admission of the mistake was also provided to PayPal. 
On XX/XX/XXXX, I received an email from PayPal stating that they've closed the case in the customer 's favor, debited my account {$24.00} for the original transaction plus {$20.00} for a chargeback fee. 
I'm seeking the return of {$44.00} to my PayPal account XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

WHEN I WAS YOUNGER MY MOTHER USED MY SOCIAL SECURITY NUMBER TO GET UTILITIES IN MY NAME. I WAS UNDER THE AGE OF XXXX. 
MOVING FORWARD, MY INDENTITY WAS STOLEN IN XXXX. I HAD ME AND MY CHILDREN BIRTH CERTIFICATES, SOCIAL SERCURITY CARDS, ID AND DRIVER LICENSE INSIDE MY CAR BECAUSE I HAD AN APPOINTMENT FOR RENTAL ASSISSTANCE AND FORGOT TO TAKE THEM OUT. ONE OF CHILDERN HAD TO GOTO THE CAR AND GET THIER BELONGINGS OUT THE CAR AND DIDNT LOCK THE DOORS. THE NEXT MORNING WHEN I GOT READY TO LEAVE FOR WORK I NOTICED THAT MY CAR HAD BEEN SEARCHED THROUGH. GLOVE COMPARTMENT WAS OPENED. 
CHANGE WAS MISSING AND MY DAUGHTERS CELLPHONE CHARGER WAS GONE. I THEN WENT TO THE BACKSEAT TO REALIZE THE THE MANILA ENVELOPE WAS MISSING. WHICH IS WERE ALL MY PERSONAL IMFORMATION WAS WITH MY DRIVER LICENSE AS WELL. I'VE HAD A VERY HARD TIME TRYING TO GET THE THINGS I NEED IN LIFE AS FAR AS LIFE. I DONT UNDERSTAND HOW PEOPLE CAN GET ACCOUNTS IN YOUR NAME AND ITS HARD FOR ME TO GET ONE WITH MY OWN IDENTITY. 
NO INFORMATION CAN BE GIVING OUT FROM THESE COMPANIES BECAUSE I DONT HAVE CERTAIN INFORMATION THEY NEED TO VERIFY THESE ACCOUNTS THAT ARE IN MY NAME. IVE TRIED TO DISPUTE THESE THINGS ON MY CREDIT AND NOTHING HAS WORKED. I WANT THIS THINGS TAKING OFF MY CREDIT SO THAT I CAN START MY LIFE OVER WITH HOPE & CONFIDENCE.
Product: Credit reporting or other personal consumer reports

I received an alert/alerts on XX/XX/2023 that I had an hard inquiry from XXXX XXXX, consumer portfolio and other financial companies regarding a hard inquiry that I did not authorize. I need them removed immediately as I didnt authorize the inquiry.
Product: Credit card or prepaid card

Someone stole my wallet with all my cards inside..im having trouble getting a replacement card..
Product: Credit reporting, credit repair services, or other personal consumer reports

DEPTEDXXXX  ACCT # XXXX Date Opened : XX/XX/2017 I did a thorough investigation myself and noticed various inaccuracies. I have already tried fixing this problem with the company. 

In accordance with the Fair Credit Reporting Act XXXX Account # 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 an account without my written instructions.

15 U.S.C 1666b A Creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any reason.
Product: Credit reporting, credit repair services, or other personal consumer reports

At this point I am not sure whats happening at the thre major credit buroues. There are still inaccaurete information o my credit report! I have asked XXXX, XXXX, and Transunion to investigate and remove the inaccaurete information! This is fraud and defamation!!! They arnt investigating. They have removed a few things but they havent fully investigated! I am demanding these inaccaurte information be removed! 

Federal law requires XXXX, transunion, and XXXX thirty ( 30 ) days to investigate ALL or remove ALL inaccurate information! Yet they have failed to. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I have records of past correspondence I have maintained a careful record of my communications, please see certified mail receipts and letters mailed to XXXX, XXXX, and Transunion starting XX/XX/XXXX! I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.cal. XXXX XXXX, XXXX ), they may be liable for willful non-compliance.
Product: Money transfer, virtual currency, or money service

Hello. I am a customer of www.wise.com. On XX/XX/2023, I made a XXXX transfer of XXXX US Dollars from XXXX XXXX to my Wise account. The bank charged me XXXX XXXX as a transfer fee and an additional XXXX TL as a transaction fee. I was informed that the money would be transferred to my Wise account on XX/XX/2023 as the value date. However, instead of the XXXX US Dollars that I transferred to my Wise account, only XXXX US Dollars were transferred and a transaction fee of XXXX US Dollars was charged. I dont understand this situation, this is the first time something like this has happened to me. Where is my missing XXXX US Dollars and what is the mistake here? I want to find out. I paid all the transaction fees but XXXX dollars less came. I am attaching the receipt of the SWIFT payment I sent from XXXX and the receipt I received from Wise.com. Can you please help me?
Product: Credit reporting or other personal consumer reports

Wakefield & Associates has continued to report an alleged past-due medical debt, which would have originated almost XXXX  years ago in XXXX of 2013. Wakefield & Associates remains unable to provide proof of debt via an original creditor invoice, as I've requested this information on multiple documented occasions to no avail.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES 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. 

Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX. XXXX, XXXX # XXXX Account Name : XXXX XXXX & XXXX  # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX Inquired on XX/XX/2024 XXXX Inquired on XX/XX/2024 XXXX  XXXX XXXX XXXX XXXX XX/XX/2024 XXXX XXXX Inquired on XX/XX/2024 2024
Product: Checking or savings account

I had sold a watch and was supposed to receive a wire for {$37000.00} as payment. I received it on XX/XX/year> and after the money had cleared and posted to my account, on XX/XX/year>, I went to send a wire out for a different watch. It was supposed to be for XXXX XXXX ( around {$30000.00} ) to a trusted watch supplier in XXXX XXXX. I had the branch leader at a branch ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, PA XXXX ) send the wire. It had passed all verification methods and the wire was approved to be sent. Then, a couple hours later when I was at work, I was notified that more information was needed to verify, even though everything was provided at the branch and they had explicitly said that the wire was approved. I had figured it was due to the fact I was sending such a large wire internationally, so I provided all the information that would be needed and assured the representative that the wire was legitimate. Then shortly after, my account was put on hold and the wire was canceled anyways. I had kept calling, and I was informed that the wire that I had approved was actually what had been flagged, even though the funds had cleared and posted onto my account. Even after providing all the information that would be needed to verify, they have still decided to keep my funds held. I have been trying to work with multiple Truist representatives and they can not seem to give me a concrete answer. After being transferred to the escalation department, a supervisor told me that my account is being closed, at no fault of my own the money is on hold for account recovery. They are requiring the sender to work with his bank to try and get the money back, and have told me that they will not release the funds to me, or even send the money back to the sender. They are fully relying on the sender being able to go through their bank and recalling the wire, which is not exactly an easy thing to do. 

I had been dealing directly with a watch dealer, and he had sent the wire from his business account. From the screenshots provided, it can be seen that I have been communicating with XXXX XXXX who is the founder of a well known, established watch business named XXXX  XXXX XXXX. I had gotten his information from a prominent XXXX group for watch dealers ( XXXX XXXX XXXX ). All this information can be widely found online and through social media. Truist is refusing the release my funds to me or even sending it straight back to the sender, and is instead trying to make us jump through hoops in the name of security and protection. I have been told more times than I can count that they are doing this for my protection even after I have repeatedly assured them it was all authorized and provided them the verification that would be needed.
Product: Debt collection

I have not supplied proof under the doctrine of estoppel by silence englehardt v. Gardens 281 sw 715-719. I presume that no proof of the alleged debit, nor therefore any such debit exist
Product: Credit reporting or other personal consumer reports

These perpetrators created fraudulent identity documents such as a fake ID and other fake documents to secure a loan in my name and make payments on the loan accounts. My identity has been stolen and compromised during the time I was XXXX XXXX XXXX XXXX  ; this is the 6th notice I have sent this company with all supporting evidence and documentation. I will be suing for assisting and adding in opening accounts and furnishing fraudulent data on my consumer credit report, this company did not take the proper steps to help protect my consumer report and properly investigate this matter.

Under the FCRA, 15 U.S. Code 1681b, consumer reporting agencies may furnish a consumer report only under specific circumstances, such as with the consumers written consent or in connection with a credit transaction initiated by the consumer. I did not provide my consent for the release or sharing of my personal information related to these accounts, nor did I initiate any credit transactions with the entities listed.

Furthermore, 15 U.S. Code 1681c requires that consumer reporting agencies ensure the accuracy and privacy of consumer information. The unauthorized disclosure of my information not only violates this statute but also exposes me to potential identity theft and other forms of financial harm.

I request that you take the following actions : 1. **Conduct an immediate investigation** : As required by 15 U.S. Code 1681i, I request that you investigate these unauthorized entries on my credit report.

2. **Remove the disputed entries** : If the investigation finds these entries were indeed unauthorized, they must be promptly removed from my credit report.

3. **Provide written confirmation** : Send me a written confirmation that the unauthorized entries have been removed from my credit report.

Please consider this letter as a formal complaint and take all necessary actions to resolve this matter within the 30-day timeframe stipulated by the FCRA. Failure to do so may result in further legal action to protect my rights.

Thank you for your prompt attention to this serious matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

These companies are doing hard inquiries on my credit reports whenever the feel like it. there are no information on these companies except for the names which are " XXXX XXXX   '', " Carfinance Capital L '', and " XXXX XXXX XXXX XXXX ''.
Product: Vehicle loan or lease

No documents provided with request being made. No title ever sent. Car was never inspected and compared to XXXX. The loan should be cleared because approving it with this apr rate setting me up to fail. Completely unacceptable. Wheres my contract agreement never received one. I had no idea my apr is 22 percent!
Product: Credit reporting, credit repair services, or other personal consumer reports

I hope your day is going well, but I need your help. I noticed some inaccurate accounts on my credit report. I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? I got this information from theFTC and also spoke with someone with you all who told me to submit my complaint here.This incorrect information on my credit report is causing problems when I try to apply for credit.I reached out to each account on here and just can't get anyone to help me. They keep sending from one person to another. I have been dealing with this for a whole month now and the accounts are XXXX, XXXX XXXX, XXXX, XXXX XXXX  XXXX. I am doing this on my own behalf and really need someone to help me with this. Also there are several times where someone ran my credit and I didnt give anyone permission to run my credit. If you all can help me with this as well I appreciate it XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

According to the provision of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], this disputed item must be reinvestigated or deleted from my credit report within 30 days.

In the interim, this item should be noted on my credit report as in dispute. I am also requesting the names, addresses and telephone numbers of individuals you contact so that I may follow up.

If it is determined through your investigation that the disputed item is inaccurate, please correct my report and send me notification that the information has been updated.

I am requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report.
Product: Credit reporting or other personal consumer reports

Subject : Request for Description of Investigation Process - Disputed Accounts on Credit Report Dear Sir/Madam, Subject : Request for Description of Investigation Process - Disputed Accounts on Credit Report Dear Sir/Madam, I am writing to request a detailed description of the investigation process followed by your agency regarding the disputed accounts on my credit report. The first investigation was requested on XX/XX/year>. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 USC 1681i ( 7 ) credit reporting agencies are obligated to provide a description of the investigation within 15 days of receiving a consumer 's dispute. Additionally, under the Truth in Lending Act ( TILA ), 15 USC 1601, it is imperative that all credit information provided is accurate and transparent to protect consumer rights. Below are the details of the disputed account : **Account Name : ** XXXXXXXX XXXX XXXX XXXXXXXX Number : ** XXXX
Product: Mortgage

I have been working to assume a mortgage with Chase bank for almost a year. The first application was denied due to them failing to read my notes on the application. The current application continues to drag out. They continuously request the same documents over and over that I have already provided. The employees on the assumption team never answer and requires me to leave a voicemail. The return phone calls take up to a week, or never get returned at all. I just received a voicemail today requesting documents that I sent 3 weeks ago. If I didn't provide them within 5 days, my file will be closed according to the message. This assumption is due to a divorce. I receive threatening phone calls daily due to this not being completed, yet Chase could not care less. I was even told at one point, " it will be easier to just refinance. '' That should have been my first red flag. This company is purposely making any excuse to deny this assumption and force a refinance. After a quick google search, I see multiple threads ( mainly on XXXX ) documenting the same hurdles that I have gone through. Where is the accountability? At this point, I know it's deliberate. I have a personal history in mortgage lending and I know I am an applicant that would easily qualify. This is a loan I am not looking to add money to, change, or anything else, that I have paid on time for years now.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX, and Equifax are reporting that I do not have a credit profile. I have sent documents in XXXX with proof of identity and still receive the same outcome. Please advise these bureaus to update my information showing correct and up to date scores and information as it is affecting my livelihood.
Product: Credit reporting or other personal consumer reports

I believe I have been getting false reports starting with a mortgage from XXXXXXXX XXXX that is not mine. Also, it seems to be someone trying to apply for loans or credit card under my information without my permission. I do not know who is doing this that is why I am reporting this dispute. 
The following accounts is XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX CAPITAL ONE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX