23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Product: Credit reporting or other personal consumer reports

This auto loan is consistently updating inaccurate information. 

No payment history has been made. No payment information was made once I redeemed the auto. They have not updated information and keep reporting as of year of loss. I'm requesting the removal of this merchant from all credit bureaus as it is n ot reflecting the accurate information under the FCRA, FTC and I submitted all documents to credit bureaus with my driver 's license and SS card for accuracy and reporting on XX/XX/year>.
Product: Prepaid card

As a service member I and my team have done some investigation and we are ready to build a case against incomm, so I bought these cards ( card and receipt attached ), before I know it this companies which are both XXXX companies without physical presence in the state ( XXXX XXXX ) and this other company cloned XXXX website because I called the main XXXX company provided my card last XXXX to them and they told me it is not in their system so they cloned the website and used my card on this website ( XXXX ) thats the website, I called incomm customer service when I noticed and to my surprise they denied it, I am now ready to push a case against incomm, how did a XXXX company use card when incomm agreement clearly states its meant for XXXX only? And there is also no way I will be responsible for this company hacking into my email and getting pictures, I will be joining any law suit filed against income and also providing information to news outlet, right now it seems incomm has XXXX protection for citizens, I WANT MY CARDS REPLACED
Product: Credit reporting or other personal consumer reports

i sent a letter to equifax let them know the errors in my personal information but they did not fixed
Product: Credit reporting, credit repair services, or other personal consumer reports

I called and texted serveral time trying to get Apple and Goldman Sachs to update my credit limits they havent reported since XXXX
Product: Credit reporting or other personal consumer reports

Please see attached document MBFS_Request_for_Review.pdf and other relevant supporting documents
Product: Money transfer, virtual currency, or money service

I requested a wire transfer from my ally savings account at approximately XXXX Pacific time. Transfer was to occur by the close of business today. I called ally customer service just before XXXX XXXX today ( XXXX eastern ) as wire status was still reviewing. I was disconnected from our phone call when they were investigating. I then contacted them through chat and was told that any wire submitted after XXXX would be transferred by close of business the next day. It is now XXXX pacific and the wire request remains in review and they only state that I will receive and email when it changes status to requested. We close on Monday and if money does not arrive we will be in breach of contract.
Product: Credit card or prepaid card

I contracted XXXX to create a website for my painting business in early XX/XX/2021. On XXXX they advertise their services as having a XXXX XXXX money back guarantee on their design as well as prompt turnaround times of XXXX hours or less on any revision to my website. They also promised a seamless website design experience. This is all on their homepage clear as day. 
I have gone thru XXXX of XXXX XXXX web site designers. They each failed spectacularly at their task of creating a simple easy to use website for my painting business. 
Their turnaround time was not XXXX hours, it was typically about XXXX weeks to get a response. Even after waiting XXXX weeks for simple changes such as my partners name to be added as well as his phone number, to remove repeating text on the page and to remove a section to says that we sell commercial flooring. We do not sell anything and these changes were not made after XXXX or more attempts. They finally delivered a terrible website to me mid XXXX and I was not happy. I let XXXX my project coordinator know that at this time I was no longer interested in any further revisions as I was not waiting any more for this project to be delivered and I was unhappy with everything from the beginning. 
I disputed the charges with citibank ( the credit card used for purchase ) and they said they would investigate the charge and my dispute. They finally updated my credit system today and reversed the dispute. I spoke to XXXX agents from citibank dispute team and tried to let them know that this was fraudulent charges at this point as I have been scammed by XXXX. I even provided the emails and texts as well as their guarantee of XXXX % money back if I wasn't happy. 
Citibank told me that there was nothing that they could do and they could not reopen the dispute. 
It is clear that they did not investigate anything related to this dispute and they are holding my XXXX XXXX XXXX. There is no reason at all that I should have to pay for this when they state that there is a XXXX % money back guarantee right on their website. I've provided proof, I've contacted XXXX several times asking for my refund but they do not answer my calls or my emails. I am extremely frustrated with citibank and feel they are equally responsible for this fraudulent charge being placed on my credit. 
I tried to get the supervisors name from citibank and she would only provide me the information " XXXX from the XXXX office ''
Product: Credit reporting or other personal consumer reports

Recently I've received a copy of my consumer report and I've noticed several accounts that's reporting to my report that's unauthorized and under multiple violations. I've sent Transunion a dispute letter asking them to investigate and remove any accounts or information that's inaccurate or doesn't belong to me. There are collections accounts reporting to my consumer report but I never gave them permission to report anything without my consent which violates my privacy rights pursuant 15 U.S. Code 6801 - Protection of nonpublic personal information. How do I owe a debt if there was never an agreement between me and the creditor reporting the account? There was never an agreement in order for a debt to occur. Pursuant 15 U.S. Code 1681i - Procedure in case of disputed accuracy, this account must be removed in which they cant be verified nor does they belong to me. How can these accounts report if by law they're not verified nor have documents with agreements?
Product: Debt collection

On XX/XX/XXXX, XX/XX/XXXX I reached out to XXXX  regarding incorrect information reporting on my XXXX report regarding Americollect. On several occasions XXXX responded that Americollect had been verified as mines. However upon my request no proof of verification was received from the above mentioned companies. I also attempted to contact Americollect directly by certified mail on XX/XX/XXXX where I still have received no response from the collection agency as of date.
Product: Debt collection

This company is a debt collector and has put information about me on my consumer report. I have no affiliation with this company nor do I know who this company is. I have not given them any permission to use my information.
Product: Debt collection

I have contacted XXXX on numerous occasions to cancel their services, due to the fact the equipment did not work in my area and I was unable to reach their repair services to correct the issue. Therefore the debt is not owed.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$22000.00} XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX XX/XX/XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$22000.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$17000.00} XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX XXXX  XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXXXXXX Account # XXXX XXXX XXXX  Account # XXXX XXXXXXXX XXXX XXXXXXXX Account # XXXX XXXXXXXX XXXX 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 a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

Carfinance is reaging accounts. I had a chargeoff with them on XXXX XXXX. They were reporting a failure to pay on XXXX XXXX as well as falsely reporting a second failure to pay on XXXX XXXX. When I called them out on this and reported it to the credit bureaus, they then placed a last payment update as of XXXX XXXX, XXXX. I have not made a payment to this company since XXXX XXXX. It is illegal to report false payments and reage the account so that it stays on my credit report longer. This is fraud.
Product: Money transfer, virtual currency, or money service

On XX/XX/year> I realized that the payroll checks I thought were being sent to my employees, did not go through. I was out of town and wanted to pay my XXXX employees on time. I went to the business site at Bank of America and then to make multiple payments. I saw an option for a same day transfer and checked that box. It came up with no fee so I thought that was a good way to send the payroll checks to my employees and did so. Immediately I received an email from B of A saying that the transfer went through and had the employees name and then : Fee-FREE. 

When I checked my business account they had removed {$25.00} for each payroll checks as a charge for the same day transfer I had initiated. Nowhere on the business site did it say that there was a fee for same day wireless transfers. B of A removed {$500.00} from my small business account. XXXX transfers with a {$25.00} fee for each. 

I phoned and spoke with them and they said they would look into it. Soon they advised me they would not be removing the charges. I then visited bank of America on XXXX XXXX in XXXX and spoke with the manager XXXX XXXX. I showed her each email that stated the transfer was free of fees. She said she would look into it. Then she phoned me and told me she couldnt do anything. 

I am disappointed that BofA can just go into your account and remove funds without letting you know. On the business site it should state next to wireless same day transfer that there is a fee. We are a small business and losing {$500.00} has a big impact on our funds. I hope that you can do something to help us out. I also hope that Bank of America adds the fees for same day wireless transfers on their business site ( where you go to pay multiple individuals ) so other businesses do not get scammed like this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I settled 3 XXXX card accounts with a collections agency around on XX/XX/XXXX of this year. None of my reports updated so I submitted a dispute with all 3 bureau 's. XXXX  and XXXX updated my accounts within a week of my dispute as they verified with the collections and XXXX that my accounts were paid for and had no outstanding balance. 

Equifax on the other hand closed my investigation saying XXXX reported to them that I still owed money. I have paperwork mailed to me from XXXX saying the accounts are paid off as with the collections agency paperwork saying the same thing. The other two bureau 's verified this information. I also faxed my documents to Equifax. When I was told I still owed money, I asked if they had seen the paperwork I faxed. The lady had not and did not even know i faxed them anything. It appears that Equifax either did not do an investigation or is lying. I had to initiate a re-investigation with Equifax. I am not confident in this re-investigation as they seem to be grossly incompetent. I do not trust them to handle the simplest of tasks.
Product: Debt collection

On XXXX I sent a letter about inaccurate & false reporting things on my credit report. it has been over 40days an I havent received a response yet.I feel like Im being taken advantage of and ignore of my disputes. Section 611A it is plainly stated that a failure to completely investigate these items with in 30 days gives a reason to Immediately remove these accounts from my credit report.it has been over 40days so they should be deleted Promptly.I demanded that these accounts be deleted immediately or I will file for Litigation do to the stress youve caused me my information was also impacted by the equifax data breach and might have gotten into the hands of the wrong person
Product: Credit reporting, credit repair services, or other personal consumer reports

Strictly for XXXX XXXX XXXX, XXXX, TRANSUNION, XXXX. PLEASE REMOVE ANY OTHER ADDRESS LISTED OTHER THAN THE LISTED ADDRESS THANK YOU. Here is a final letter and the final attempt to reach out to you. I would like for you to know that all letters and conversations between us have been previously recorded. I have sent in previous certified letter since XX/XX/XXXX and I havent gotten a response on my case. Your company has violated my rights within The Fair Credit Reporting Act within sections 609, 611, 612, 623, and several others. I am seeking a total of {$3000.00} for damages and the detriment to my personal credit file. Your company is reporting erroneous information and I am unaware of it. This is the final good will letter and will contact the attorney generals office in Florida, make sure your company is placed on public records file. If you think that youre going to get away with this you are wrong and I know all of my rights. I asked for several documents in XX/XX/XXXX of last year. I asked for original contracts with my signature, by law if you didnt respond within 30 days the erroneous accounts listed were to be removed and you continuously report it. XXXX XXXX XXXX THANK YOU XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

all credit agencies reporting outdated and fraud accounts not mines : " XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX  XXXX XXXX XXXX '' ... .REMOVE ALL ABOVE FROM CREDIT FILE ASAP
Product: Credit reporting or other personal consumer reports

I AM WRITING IN REGARDS TO THE FRAUDULENT inquires ON MY ACCOUNT IVE FILED A FTC REPORT. FTC Report Number XXXX THESE ARE HIGHLY AFFECTING MY CHANCES AT NEW CREDIT PLEASE REMOVE ASAP UNDER 15 USCODE 1681c-2- BLOCKING OF INFORMATION RESULTING FROM IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

According to my research about FCRA 605, you are required by law to remove any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported is 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; US DEPT ED XXXX Balance : {$2200.00}.
Product: Student loan

I have recently tried to pay my student load to Mohela several times. Once over the phone and twice on their website. Each time I try I get an email stating that my financial institution has rejected my payment. I have contacted XXXX XXXX each time and they have told me that Mohela has not tried to pull the funds. I have had sufficient funds in my account each time. The dates and amounts are listed below. 

XX/XX/XXXX : {$300.00} XX/XX/XXXX : {$410.00} XX/XX/XXXX : {$410.00}
Product: Checking or savings account

XXXX XXXX, Assistant Vice President of Executive Services at Suntrust now Truist did not follow the Judges court order. In her letter in responding to prior complaint regarding safe deposit box contents, info is absolutely not truthful or accurate. The contents were not made available for XXXX XXXX to view.
Product: Credit card or prepaid card

This card was only used once, fraudulently. I rented a moving truck to move but my house flooded and I needed to delay my move. So within the same day I called both credit card and rental company. They told me to deliver it back by XXXX and there would be no fee. 

During the course of this and inquiring about payments, the moving company actually tried to reverse the initial charge. MORE THAN ONCE. The credit card company did not authorize it, so it didn't get credited back. I opened a dispute with them, but they ended up charging even more. 

I didn't use the truck. It was returned within 12 hours of getting it. The rental agency tried to refund the charge and it's all USAA and their inability to hire competent representatives. 

A cancellation with the truck company would have been a small fee. But because USAA screwed up processing the reverse charge, they are charging me for the price if I actually used the truck, and not the small cancellation fee in the contract.
Product: Credit reporting or other personal consumer reports

Per the Federal Credit Reporting Act as a federally protected consumer, per 15 USC 6802 I'am now OPTING OUT of ANY AND ALL Authorization I, the consumer may have given to XXXX written, unwritten, verbal or non verbal to report my nonpublic personal information. XXXX is in violation of the Privacy Act of 1974 as well as 12 CFR 1022.24 Reasonable opportunity to opt out because I was never notified by XXXX that my nonpublic personal information was going to be shared to non affiliated third parties such as the XXXX credit reporting agencies, and I was NEVER GIVEN THE CHANCE TO OPT OUT. Also, 15 USC 6508 states that I have the option to opt out of any account reported to my credit report and I am supposed to receive an opt out notice every XXXX ( XXXX ) days which XXXX never sent to me. I am hereby exercising my rights under 16 CFR 313.7 Form of opt out notice to consumers. Also, XXXX violated the terms and conditions within their contract, because XXXX states that they do not provide consumer information to third-parties which they violated by reporting my nonpublic personal information to the credit reporting agencies listed above. According to 15 USC 6802 B ) I am supposed to receive XXXX different disclosures before my nonpublic personal information is shared but I never received notice. I want this account removed per the laws I stated above within XXXX hours and the account # XXXX. I will acquire a certified audit report on this loan and file a SEC complaint and upload the report as well if this account is not removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been submitting multiple letters from XX/XX/XXXX to XX/XX/XXXX with complete attachments of my personal information and credit reports. Nevertheless, the requests I have sent out were consciously denied and neglected which I considered being unprofessional on the Bureaus end. This will be my last attempt to request all documents to be provided and issued to me. Not fulfilling with my request should result to immediate removal of the unauthorized inquiries listed below : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still account that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate this account ( A ). I hope this disputed accountis updated. 

XXXX XXXX XXXX Date opened XX/XX/2021 Balance : {$26000.00}
Product: Debt collection

XX/XX/XXXX - CIVIL CASE # XXXX FILED WITH CLAIM for {$5600.00}. Disputed with XXXX XXXX XXXX at that time. Requested documentation and was informed this debt was for a XXXX XXXX. I had no dealings with someone with that name. Requested documentation and never received anything. 
Several motions for Extensions were filed between XXXX. I received no further paper work in between these times. 
Judgement was then filed XXXX for {$5600.00} for XXXX XXXX Bank XXXX XXXX XXXX. Neither sources have I ever heard of or used for any financial needs. I attempted to contact XXXX XXXX XXXX at that time but was unsuccessful in talking directly with someone that wasn't just requesting more information from me that they did not have record. They did not have my social security #, correct address, or XXXX so I was confident that this must be a scam. 
Since XXXX there have been several attempts to garnish my check as writ of garnishments have been sent to my employers. 
XX/XX/XXXX - Now a writ of garnishment has been sent to my personal bank most likely since my conversation with XXXX XXXX XXXX when I gave my social security number. 

I have made several attempts to resolve this issue and many requests for supporting documentation of my responsibility for such debt but have been unable to receive anything from XXXX XXXX XXXX. I do not understand how a court can continue to even file and record such a claim, judgement, or garnishment when there is no actual documentation to support the validity of such debt. 

Over many years this has caused a lack of trust, emotional distress, even job loss due to me being notified of someone coming after my pay that has no right to do so per my knowledge or at least a justifiable explanation. Documentation is publicly viewable on the caseinfo.arcourts.gov site which is how a employer was able to tell me why they would have to submit the requested documentation to XXXX XXXX XXXX.