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 accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information 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: Payday loan, title loan, personal loan, or advance loan

Title max has been milking me for over two years on a {$500.00} loan that I've already paid four times over. there making it impossible for me to get my title back.my car was repossessed they sent my dept to there corporate office .the office told me turn over {$900.00} bucks and you can have ur car and title back but after I paid and got my car back they said I owed them money still and put me back in there computer saying I agreed to refinance my car again when in reality I was told by corporate office to pay {$900.00} to get my truck back but when i went to office to make payment in person they poked my eyes and XXXX XXXX over again .Iv been paying a XXXX {$500.00} loan from two years ago they need to waive it.but I feel there doing illegal lending plus the interest rate is XXXX percent I didn't agree to that but I sighed.please look into my account and find out if there XXXX me over so you can sue them please.and keep them out my life
Product: Mortgage

On about XX/XX/XXXX I took out a loan to purchase a house with XXXX XXXX XXXX in the amount of {$350000.00}. At the time I only put 15 % down which required me to get PMI on the loan. The plan was always to improve the subject property and I was specifically told by my lender XXXX XXXX XXXX XXXX, prior to closing on the loan that I could have the PMI removed at any time if the then appraised value of the property resulted in an LTV of at least 80 %. This agreement is further evidenced by the specific PMI removal instructions XXXX XXXX XXXX sent me on XX/XX/XXXX. Sometime earlier this year Chase acquired my loan from XXXX XXXX XXXX After being made aware that my loan had been sold to Chase I contacted Chase to find out how to start the PMI removal process. On XX/XX/XXXX Chase sent me a letter outlining a completely different set of PMI removal terms which, among other things, provides that : ( a ) I am not eligible to have the PMI removed if the loan is less than 2 years old ; and ( b ) that in order to have the PMI removed at any time the then appraised value of the property must result in an LTV of at least 70 %. As provided above, the PMI removal terms given from Chase are substantially different from the terms given by my original XXXX XXXX XXXX XXXX XXXX I have repeatedly tried to explain this to Chase 's representatives and have even sent them a copy of the PMI removal term letter I received from XXXX XXXX XXXX After over a month of back and forth Chase still refuses to honor my original PMI removal terms. The PMI removal terms given to me by my original lender, XXXX XXXX XXXX, were in place at least as of XX/XX/XXXX when the letter was sent to me. Chase subsequently acquired that loan and therefore takes it subject to all of the agreements and obligations of the original lender including these PMI removal terms. Therefore they should be required to honor the PMI removal terms that were given to me by XXXX XXXX XXXX in the XX/XX/XXXX letter. For clarity here, XXXX XXXX XXXX was not simply a servicer of my loan, they were the original named lender on my loan. 

-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Note, this is a resubmission of a complaint that was previously submitted ( ID XXXX ). In response to that complaint Chase insisted that I still need to maintain a 70 % LTV in order to remove the PMI because they insist this property is a " Family Investment Property. '' That is not the case. This loan was set up a " Second Home '' loan which is why I was ale to only put 15 % down for the loan. As such, this would mean I should only need an 80 % LTV to remove the PMI as I have been stating from the beginning.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted TransUnion on XXXX XX/XX/XXXX at XXXX and spoke with XXXX XXXX about four unauthorized inquiries. 1 ). XXXX XXXX XXXX inquired XXXX XX/XX/XXXX. 2 ). XXXX inquired XXXX XXXX XX/XX/XXXX. 3 ). XXXX inquired on XXXX XX/XX/XXXX0. 4 ). XXXX XXXX inquired on XXXX XX/XX/XXXX. She refused to submit an investigation and/or look into the matter. She also stated that only the Universal is the hard inquiry the others do not matter. I stated that they matter to me because I did not authorize not do a credit application for any of these in my name. In the future, when I have to verify my information, I won't be able to recall false information reported. She refused to do anything.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX 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.

I am filing this FTC Identity Theft Affidavit to report five fraudulent accounts appearing on my consumer FICO Equifax credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a credit card account opened at XXXX XXXX in XX/XX/XXXX under account number XXXX, a personal loan account opened at XXXX XXXX XXXX in XX/XX/XXXX under account number XXXX, a credit card account opened at XXXX XXXX in XX/XX/XXXX under account number XXXX, a credit card account opened at XXXX XXXX in XX/XX/XXXX under account number XXXX, and a credit card account opened at XXXX XXXX in XX/XX/XXXX under account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from my consumer credit report and all collection activity related.

These accounts have resulted in several fraudulent chargeoffs, fraudulent late payments, and fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts, collections, late payments, or chargeoffs as reported. The aforementioned accounts, collections, and chargeoffs appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, late payments, and charge-offs are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I demand that the aforementioned fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.
Product: Credit reporting or other personal consumer reports

RECENTLY. I DID AN INVESTIGATION ON MY CREDIT REPORT AND FOUND ITEMS ON THERE TO BE INACCURATE.

UNDER 15 US CODE 168 ACCURACY OF REPORT WHENEVER A CONSUMER REPORTING AGENCY PREPARES A CONSUMER REPORT IT SHALL FOLLOW REASONABLE PROCEDURES TO ASSURE MAXIMUM POSSIBLE ACCURASY OF THE INFORMATION CONCERNING THE INDIVIDUAL ABOUT WHOM THE REPORT RELATES. 

PLEASE REMOVE THE FOLLOWING ITEMS FROM MY CREDIT REPORT INMEDIATELY XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon conducting a thorough review of my credit file, I have discovered the presence of unauthorized inquiries that are being reported on my personal record. It is evident that XXXX, and TransUnion Credit Reporting Agency have failed to comply with the regulations outlined in the Fair Credit Reporting Act, specifically 15 USC Section 1681i. They continue to report unverified information without providing the necessary legal proof required by law. These credit reporting agencies have not fulfilled their obligation to properly identify and furnish verifiable proof within the mandated time frame. I would like to emphasize that the reported inquiries are inaccurate, and I have never authorized any party to access my credit in such a manner. Despite repeated requests, the credit reporting agencies have failed to provide me with written authorization or take the necessary steps to remove these inquiries from my credit file. Therefore, it is imperative that the following inquiries be promptly removed : XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX. Given the circumstances, I am highly doubtful about the accuracy of these inquiries. I expect a timely resolution to this issue, and I trust that you will take the necessary measures to ensure that my credit information is protected and accurate.
Product: Debt collection

I do not have any debts at all. Midland Credit started calling me non-stop. Initially I called back and told them I do not have any debts. Person confirmed but Midland Credit never stopped calling. They call Saturdays and Sundays and late at night.
Product: Credit card

I am a victim of Synchrony Bank 's predatory practices, which have caused extreme damage to my XXXX XXXX. Despite having a 100 % perfect payment history in all my accounts, Synchrony Bank has been artificially inflating my credit utilization with their company by continuously lowering my credit limit to the amount I owe on the card. This has resulted in my XXXX XXXX being damaged significantly. 

For instance, on my Care Credit card, I had brought my dog to the vet and had to use most of my line of credit. I made consistent and larger-than-needed payments, and reduced my credit utilization to about 30 %. However, Synchrony Bank reduced my credit limit to the exact amount I owed, inflating my utilization to 100 % and causing damage to my XXXX XXXX. What's worse, they did not even notify me of this unprovoked decrease in my limit. 

When I paid off the remaining balance on the card to get the utilization down to 0 % to improve my XXXX XXXX, Synchrony Bank used its self-imposed damage to my credit to justify closing my account, reducing my credit age, and further damaging my XXXX XXXX. 

Even my Amazon Store line of credit wasn't spared by Synchrony Bank 's predatory practices. I had a XXXX balance on it for several months, but when I used it to buy birthday presents, keeping it under 30 % usage, Synchrony reduced my credit limit to XXXX, making my utilization of that card 100 %. 

It's clear that Synchrony Bank is purposefully damaging my credit and then using my lower score to justify continually causing more damage to my XXXX XXXX. Despite keeping all my accounts in good standing and never missing a payment, it has been a long and difficult process to get any information from the company. No one could give me a reason for this, which was happening many times I called, and when I asked to be mailed information as to why this was happening, I was never mailed anything.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL, XXXX RE : XXXX  Block Request Dear Sir or Madam : lam a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. Please send me notification of the actions taken. I appreciate your prompt attention to this matter.

Sincerely, XXXX XXXX ACCOUNTS XXXX XXXX  ACCOUNT # XXXX Opened XX/XX/XXXX {$39000.00} INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card or prepaid card

A pair of shoes were purchased from the merchant, " XXXX '' on XX/XX/2018 for the amount of {$720.00} using my American Express " Blue Cash Everyday '' credit card ending in XXXX. The shoes purchased from the merchant were falsely advertised as brand new when, in fact, they were used and extremely worn, defaced and damaged by another customer prior to purchase by me. When purchasing the shoes, the merchant did not allow the " packaging '' to be opened as they stated that the shoes were " brand new '' ( a complete lie ). After paying for the shoes at the store, the item was taken back home when the shoe packaging was opened and unwrapped. What was inside were damaged shoes that were nowhere near brand new. Upon discovering this, multiple ( 4 total ) attempts at returning the shoes back to the original store of purchase were made. In all 4 attempts, the store refused to accept any responsibility for the damaged shoes that were sold to me. Accordingly, as I could not resolve this issue with the store themselves, a dispute case was opened up with American Express to get the money back from this store/merchant. From the beginning, clear evidence was provided to the merchant in the form of photos taken and a written statement showing and describing the condition of the shoes. After a total of 3 dispute cases opened up with XXXX, they refused to assist in this matter any further and took the side of the merchant which essentially scammed me in this purchase. It is disappointing, but least surprising, to see XXXX side with a fraudulent store/merchant when it comes to cases like this. Nevertheless, I would like to have my {$720.00} refunded back to me from this purchase as this merchant knowingly and willingly defrauded me on this purchase by misstating the condition of the item. Not only is this is highly unethical, it is also illegal as the merchant deliberately and knowingly falsely advertised this item and refused to refund my money when caught. Due to the abundance of evidence given to XXXX regarding this illegal conduct by this merchant, a full refund of this charge is warranted and expected. Timestamps are also available on the photographs taken ( showing the horrendous condition of the shoes ) to further prove that these photos are legitimate and valid as they were taken shortly after purchase.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have written both Cap one and XXXX ( XXXX XXXX  ) advising them to remove these accounts that I didnt authorize in my name. I was XXXX  some time ago and during my XXXX time someone used my name to obtain credit. I explained this to all creditors and they all followed protocol of removing the blemishes all but these two creditors. I am trying to move on with my life and I cant with this hanging over my head.
Product: Debt collection

Renovating an upstairs of a house that had the apartment number listed on first floor and having the first floor tenant impersonate me and then try to manipulate how i mentally felt about emotions led to a harsh landlord eviction. Playing on me having previous studying completed on XXXX and XXXX I felt that inaccurate comments were made towards me to be a passive beggar to the landlord. The upstairs property felt owned. And had XXXX into XXXX screws tied into walls without purpose removed from a proprietary sense of belonging to the place. Neighbor was building an addition and I felt compelled to fix the upstairs proportionally with the new side of his house, to stay in line with the neighbor. Maintaining the competition within property management in area was important to me. Closet was close to being reconstructed. XXXX families also in neighborhood made the scene feel like I needed to be a little less than myself to really fit in to the picture. Landlord was facing issues after basement remodel. Explained I had to leave, through an acting persona. Previous tenant had restaurant style table and setup in upstairs. That was a felt out apartment. This was an actual property that I spent time in. XXXX corporate was a fine location for my employment and I am seeing concerning XXXX posts concerning this twist of being booted. Being a XXXX  XXXX enthusiast on life and moving up and out into new molds projected me to an accurate point of being partially respected. XXXX the need to maintain that for the community. XXXX was never given back. And was charged monthly for emotional support XXXX and XXXX. Applied to the XXXX in XXXX. High sense to maintain self in a higher achieved aspect sense then.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have inquiries with equifax that was deleted because, I did not authorize them and no knowledge of some of the companies. Equifax added these inquires back on without any notifications to me and i have tried resolving the issue with Equifax with no success. 

The inquires are listed below : XXXX XXXX XXXX - XXXX XXXX XXXX/XXXX/XXXX ) * XXXX XXXX XXXX XXXX - ( XXXX ) *XXXX Loan - ( XXXX ) *XXXX XXXX # XXXX ( XXXX ) * XXXX XXXX XXXX ( XXXX ) *XXXX XXXX XXXX XXXX XXXX XXXX *Eagle Louisiana XXXX XXXX XXXX XXXX *XXXX XXXX ( XXXX ) *XXXX XXXX XXXX XXXX XXXX ) *XXXX XXXX, XXXX XXXX XXXX ) *XXXX  XXXX ( XXXX ) * XXXX XXXX ( XXXX ) * XXXX XXXX XXXX XXXX XXXX ) * XXXX  Bank XXXX XXXX ) * XXXX ( XXXX XXXX * XXXX ( XXXX ) * XXXX XXXX XXXX XXXX ) * XXXX XXXX XXXX XXXX ) * XXXX XXXX XXXX XXXX ) * XXXX XXXX - XXXX XXXX XXXX ) * XXXX XXXX XXXX ) * XXXX XXXX XXXX ( XXXX ) * XXXX XXXX XXXX XXXX ) * XXXX XXXXl XXXX XXXX ) *XXXX XXXX ( XXXX ) *XXXX XXXX ( XXXX ) *XXXX XXXX ( XXXX ) *XXXX XXXX ( XXXX ) * XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX Financial ( XXXX ) XXXX XXXX XXXX XXXX ( XXXX ) * XXXX XXXX XXXX XXXX ) XXXX XXXX Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Financial ( XXXX ) * XXXX XXXX XXXX ) * XXXX XXXX XXXX XXXX ) * XXXX Na. ( XXXX ) * XXXX XXXX XXXX Services ( XXXX ) * XXXX XXXX ( XXXX ) * XXXX  Finance # XXXX ( XXXX ) * XXXX bank XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX ) * XXXX bank ( XXXX ) *XXXX ( XXXX ) * XXXX ( XXXX ) * XXXX XXXX XXXX XXXX ) * XXXX Louisiana XXXX ( XXXX ) *XXXX XXXX Bank XXXX XXXX XXXX ) *XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX * XXXX XXXX ( XXXX )
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 an address fraud on their platform, leaving my 9832 account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not 374 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 those violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am deeply dissatisfied with Credit Monitoring Agency as I am unable to request my personal information
Product: Credit card or prepaid card

On XX/XX/XXXX, I did a balance transfer through my Capital One app, for {$13000.00} from my Capital One credit card to my husband 's XXXX debit Master Card. 
We found out the next day that the debit Master card does not accept incoming balance transferred and called Capital one to put a stop to it, which was not successful. 
We have been waiting for 3 weeks and calling them regularly to cancel the transfer and refund the money with no luck. We were told the transfer would be rejected after 2 weeks and the money refunded but that did not happen. 
We have called XXXX as well and they said they have not received the transfer and the account does not accept balance transfer and there is no way for them to track the transfer and we have to ask Capital One for the refund.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an inaccurate account on my credit report with Equifax for XXXX XXXX. I have sent both the Equifax and XXXX associates a letter requesting validation of debt and have not received anything back from either consumer reporting agencies. It is illegal for a consumer reporting agency to report an account without sufficient documents and proof that the debt belongs to me. It is also illegal for a consumer reporting agency to ignore a consumers dispute. I demand that this account is deleted from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion like XXXX is not reporting information correctly and as such is having an adverse reaction on my credit score. My score dropped XXXX points for no reason at all. I have XXXX % debt. Yet the score just dropped for no reason. They are claiming they have no data for any of my revolving utilization which is also inaccurate. These games that the credit bureaus play is just ridiculous. If you are in debt they love you, when you pay off everything they want to punish you.
Product: Credit reporting or other personal consumer reports

XXXX {$450.00} XXXX {$120.00} XXXX XXXX  {$180.00} These accounts do not belong to me. I have attempted to resolve this issue of these accounts being falsely being reported on my credit report with XXXX, XXXX, and Transunion, but the credit reporting agencies refuse to correct/update my report.