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

I am not an authorized user on this account, they will not remove it, i have no card, no charges, no account all i see is XXXX on the end of the account showing
Product: Credit reporting, credit repair services, or other personal consumer reports

I acquired my credit report and asked the credit bureaus to check and make sure everything was complete and accurate according to 15 USC 1681i ( 5 ) I waited 30 days and received my investigation and notice everything was still the same. The consumer reporting agencies which is XXXXXXXX XXXX, and transunion did not modify or removed anything. 

The date open is not correct, date last active is not correct on all three credit reports, date of last payment is not correct on three credit reports. 

Which is a violation. This is impacting me from moving forward to buying a house for my family, not being able to pass a background check for employment, funding my business and this has created great hardship for me and me family as mentioned. 

I attach my previous credit report and my new credit report to show how XXXX, TransUnion has violated my rights. 

TransUnion has refused
Product: Debt collection

I am the properly authorized consumer and I am submitting this dispute on my own without any third parties, with the intent to not be discriminated against for exercising my rights and applying the federal laws put in place to protect me the consumer. On XXXX  a certified notice was sent to XXXX XXXX in reference of a billing error. XXXX XXXX failed to clarify the billing error, but instead used aggravated identity theft with extortionate means for the collection of an extension of credit. Please see attachment
Product: Debt collection

my bank was levied suddenly and it was until then that I realized I had been sued. The debt was from sometime in XX/XX/XXXX-XX/XX/XXXX, the judgment was left at my mothers address, which I did use at one point as a mailing address, however, I had not received any further communication since then. I received a notice from post office for a certified letter from " XXXX & XXXX '' but it was by COD and because I did not know who that was from I did not pick up. I requested a validation of debt, they sent me the alleged creditor and amount, however, I do not recognize any of it. The alleged original amount is about {$2000.00} and now they 're saying I owe about $ XXXX. What are my rights?
Product: Credit reporting, credit repair services, or other personal consumer reports

In the past two years XXXX  XXXX XXXX  is being reporting inaccurate information to the three major bureau on my behalf. l have sent them 4 different letters requesting to verify the that this information is mine, and, that it is accurate. in violation of a federal law all four occasions they have failed to provide me with a copy of the original contract with my signature on it. All l get is a response back in the mail, stating that they do not understand the reason of my despute. The case is for the three major Credit bureau, XXXX XXXX, Equifax and XXXX, none of them can seem to follow the law and at least provide with a copy of the original contract with my signature on it,
Product: Prepaid card

I can not use the card online, it gets declined. Its unfair to have a card that is so difficult to use.
Product: Debt collection

So navy federal is charging me {$270.00} and {$270.00} for debt collection or overdraft fees from my checking & savings account with them I dont know nothing about overdrafting or being in debt with them..
Product: Credit reporting, credit repair services, or other personal consumer reports

CHAPTER XXXX BANKRUPTCY : BANKRUPTCY XXXX .. Bankruptcy doesn't belong to me. The courts do not furnish any of this information to the credit bureaus..They do not provide any proof to justify their reporting. XXXX sold this information to the credit bureaus which is illegal.. Please get this public information removed because it is a violation of the Fair Credit Reporting Act to report false information
Product: Checking or savings account

Navy Federal Credit Union for charging illegal overdraft fees. From XXXX to XXXX, Navy Federal charged customers surprise overdraft fees on certain ATM withdrawals and debit card purchases, even when their accounts showed sufficient funds at the time of the transactions.
Product: Debt collection

This company is reporting to all 3 major credit bureaus that I still owe a debt in connection with a payday loan. I satisfied and paid this debt on XX/XX/2018 through a law firm they hired to help collect the debt. When I speak to AD ASTRA ( the company reporting the collection to equifax, transunion and experian ). They tell me they have not yet received " remittance '' from the law firm and refuse to report this accurately as paid in full. The law firm, XXXX XXXX, states they sent AD ASTRA the proof of payment on XX/XX/2018 and that AD ASTRA is the only one that can correct the reporting on my credit.

I called AD ASTRA today and was hung up on repeatedly and told they would not correct this reporting. I have filed disputes with all 3 credit bureaus and supplied the proof with documentation, but AD ASTRA has maintained this reporting to all 3.
Product: Credit card or prepaid card

I had a {$10000.00} limit on Capital One credit card. I didnt use it for over 2 years. With XXXX going on and people out of work I am looking to use it but they dropped my limit to {$500.00} without notice plus affected my credit. {$10000.00} gap. I would have to reapply to try to get {$10000.00} limit, not sure why?
Product: Credit reporting or other personal consumer reports

I told XXXX, Transunion, and XXXX to reinvestigate these accounts : Account name : XXXX XXXX and Account name : XXXX XXXX, However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity, and much more are incorrect? According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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: Checking or savings account

Since around XX/XX/2021, I have attempted to transfer funds to the external account I funded this account with. After repeated failures directed at the " account provider '' I have called 10 times for assistance in resolving the inability to transfer. Again, this external account, is the exact account used to fund the account. After long holds and multiple calls. I am told the issue is handled. I input a new transfer request and it fails again. Calls with the rep to my external account confirm ownership however Citi wanted me to change the name on both accounts to include full first middle and last names. I took this step at added cost to me to provide notaries copies and mail documents to Citi. After name updates on both accounts, another transfer request failed. I deleted all external linked accounts, added back the original along with two others. Trying a new external first, failed once again. Trying the newly reverified original account, failed again. Message received point to " account provider '' tho I am told on the phone is must be a problem with my external bank, both of which confirm no attempted transfer occurred.
Product: Credit reporting, credit repair services, or other personal consumer reports

ftc violations FTC Imposes {$5.00} XXXX Penalty and Sweeping New Privacy Restrictions on XXXX FTC settlement imposes historic penalty, and significant requirements to boost accountability and transparency hacked during XXXX encounter The Fair Credit Reporting Act ( FCRA ) is a federal law that regulates the collection of consumers ' credit information and access to their credit reports. It was passed in XXXX to address the fairness, accuracy, and privacy of the personal information contained in the files of the credit reporting agencies.XX/XX/XXXX
Product: Checking or savings account

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT. 
On XX/XX/2024 @ XXXX : XXXX XXXX  New account direct deposit setup USAA. 
On XXXX XXXX checked account no action double check the source of the information of funds Data ok. Usaa Claim to stand with Service members, veterans, retirees benefit of two day payroll. 
XXXX XXXX called .USAA on inaccurate information Exhibit A to USAA rep.IM looking at screen shot from USAA with inaccuratr information and gave notice that the Account number is wrong I attempted to put claim in and esculate matter to next level of EFTA act. to make proper measures to correct. WEEKEND pass this is XXXX XXXX and i have escalated to the highest level 5 times in good faith and still no funds has been delivered. received not follow up or phone call but a exhibit B-C of email from USAA saying XX/XX/2024 BAD ACCOUNT NUMBER Compensation undeliverable BAD ACCOUNT NUMBER.WAITED MONDAY XX/XX/XXXX to address this claim that was not under GLBA act and EFTA act of Protection and failed Banking primary purpose to proctect and safeguard the consumer best interest. USAA has my Family Hardship on LIFE normal way.and affected on BANK ERROR BANK ERROR BANK ERROR. My rights has been violated in many ways looking to cure by Immediate release of funds that is verified by treasury department the issuer.

I feel this matter should have been resolved by now and was not handled promptly and quickly i have went as far as CEO representative not CEO and matter is still unresolved XX/XX/XXXX th 2024 ( XXXX ) am. This serves as Notice and witness THANK YOU, UCC 3-402 WITHOUT PREJUDICE/ WITHOUT RECOURSE ON BEHALF XXXX XXXX XXXX XXXX XXXX  ALL RIGHTS RESERVED
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( Private SSN ), Consumer Date of Birth : ( Private DOB ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the 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 1. XXXX XXXX XXXX {$650.00} 2. XXXX XXXX XXXX {$1000.00} 3. XXXX XXXX XXXX {$670.00} 4. XXXX XXXX XXXX {$890.00} 5. XXXX XXXX XXXX XXXX {$160.00} 6. XXXX XXXX {$300.00} 7. XXXXXXXX XXXX XXXX XXXX$2100.00} 8. XXXX XXXX XXXX XXXX$2300.00} 9. XXXX XXXX XXXX {$350.00} 10. XXXX XXXX XXXX {$970.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) 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.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the erroneous information currently reflected in my credit report. This account has been consistently reporting inaccurate information which is adversely affecting my creditworthiness. 

These discrepancies are not only incorrect but are causing significant damage to my credit profile, leading to unfavorable financial consequences. Under the Fair Credit Reporting Act FCRA ), I am entitled to dispute any inaccuracies in my credit report and expect a comprehensive and timely investigation into this matter.
Product: Debt collection

Conns XXXX whom I have not purchased anything from. Keeps harrassing me. I have requested they stop calling me if they could not provide any legitimate information. And they have not stopped calling. It's been at least 4 months all day and night. The number is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM A VICTIM OF IDENTITY THEFT. MY PURSE WAS STOLEN CONTAINING MY ID ALONGWITH SOCIAL SECURITY CARD AND OTHER PERSONALS. THERE IS AN ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX LISTED ON MY CREIT REPORT. I HAVE NEVER LIVED AT THIS ADDRESS. MY ADDRESS IS XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX AND MY ADDRESS PRIOR WAS XXXX XXXX XXXX, XXXX, XXXX, XXXX. I STARTED RECEIVING COLLECTION LETTERS TO MY HOME AND HAVE TRIED ON COUNTLESS OCCASIONS TO DISPUTE THE INACCURAICES WITH NO RESOLUTION. THIS IS RUINING MY LIFE AS WELL AS MY REPUTATION. I CALLED XXXX, TRANSUNION & XXXX AND WAS ADVISED I NEEDED TO SEND IN A COPY OF A POLICE REPORT AND ANY ACCOUNTS ASSOCIATED WITH THIS ADDRESS WOULD BE REMOVED. I HAVE DONE THIS. I HAVE SENT MY FAX TO XXXX XXXX, TRANSUNION XXXXTHREE TIMES ALREADY. I UPLOADED REPORT TO XXXX AT XXXX. I AM BEING TOLD I NEED TO SEND IN A WHOLE DIFFERENT POLICE REPORT EACH TIME. I AM NOT UNDERSTANDING WHY. I HAVE DONE ANY AN EVERYTHING I HAVE BEEN TOLD TO GET THIS RECTIFIED. I EVEN HAVE THE FRAUD ALERT ON MY REPORT THROUGH ALL THE BUREAUS. THIS IS REALLY INCONVENIENT AND THIS IS CAUSING ME DISTRESS. I WOULD HATE TO HAVE TO GET MY LAWYER INVOLVED AT THIS POINT. I AM LOOKING TO PURCHASE A HOME BUT I CAN NOT DO THAT WITH ALL THESE INACCURATE DATA REPORTING.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belongs to me, or that I have signed any agreement. Kindly have an investigations regarding this complain.Please remove the following items : XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, XXXX  XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$13000.00} ; XXXX XXXX XXXX Balance Owed : {$1900.00} ; XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XXXX Balance XXXX XXXX {$1900.00} XXXX XX/XX/XXXX ; XXXX, XXXX, XXXX ; XXXX, XXXX, XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX ; XXXX XXXX  XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX  XXXX ; XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$13000.00} ; XXXX XXXX XXXX Balance Owed : {$1900.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

Regarding the reliability and correctness of your most recent inquiry into these accounts that are showing up on my credit report, I have concerns. The previous month as well as the month prior. Since I thought the article was not being reported lawfully, I asked for an investigation. A few days ago, I received a letter informing me that you had stopped looking into my credit reports because you thought I had employed a third-party credit repair company. I think this is a flagrant violation of the FCRA as well as a stall tactic on your side to give you another 30 days to comply with my initial request
Product: Checking or savings account

As of XX/XX/year>2025 I have been locked out of my checking accounts within Truist bank. When trying to login I am prompted to call the fraud department and when doing so I was told the case is under review and I am to call again for an update on XX/XX/XXXX. I am a single mom of 3 and at this current time have no access to my funds as well as not being able to pay bills. They did not contact me beforehand to see if I suspected any fraud, if they did I would have told them no. I got 2 larger deposits in my account and withdrew one on Friday and the tried to withdraw the second on Saturday which was met with the bank clerk informing me that the money has not cleared. This was not accurate information and I then had to go and transfer money to another account and also go to another bank in order to get a cash advance to get the money. At no point in the conversation with the clerk did she or I mention any fraud. All of this could have been prevented by the clerk giving me my money that is rightfully mine within my account. Truist is now holding my funds and will be causing late fees on my payments because I am unable to pay them on time. I also have 2 employees that send direct deposits to my account on Friday ( XXXX ) and I do/can not have these funds held up.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX Account # 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 consumer reporting agency can not furnish a account without my written instructions.
Product: Debt collection

This collection agency reported this item to my credit without validating the debt legally and accurately.
Product: Debt collection

I pulled my own credit report on XXXX XXXX, XXXX. American Collection Enterprises , Inc. ( ACEI ) of XXXX, VA is reporting a debt to Equifax from a childcare company that I used in XX/XX/XXXX. I am aware of the childcare company, and used that company, but was not aware that there was an outstanding balance. During my call, I advised ACEI that I was not aware of the debt and asked if there was something they could provide me regarding the debt. I was told by the ACEI rep that they do n't have to provide me with anything because something was sent to me in XX/XX/XXXX. Further, their rep stated that since they are reporting it on my credit report every month, that is all the verification they are required to provide. I advised them that it is now 5 years after the supposed letter was sent to me, that I never received it, and asked if they could please send me something, anything, that indicates I owe the debt. I was refused again and referred to the fact that they only have to report it on my credit report. I sent a certified letter asking for more information and the letter is thus far undeliverable. I used the address as found on the Better Business Bureau. They provide no address whatsoever on their website, only a form to fill out. I am only requesting they provide the minimum amount of information that verifies that the original creditor ' says I still owe this debt. I believe that I do not. I do n't feel that simply reporting it on my credit report is proof of anything. If they ca n't provide this information, then I would like them to remove the entry from my credit report. I have also reached out to the daycare company via email ( one that I retrieved directly from their website ) and it was returned undeliverable.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been signed up for a {$19.00} service from TransUnion. It started on XX/XX/2017, and I've since been charged on XX/XX/2017, XX/XX/2017, and XX/XX/2017. I never contacted TransUnion to set this service up. The only way I even discovered what it was is because the bank statement says " TU *TRANSUNION XXXX CA '' and on their website it looks like their monitoring service is the same {$19.00} price.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights. 

15USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section A section 2 : It also states a consumer reporting agency can not furnish a account without my written instruction.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

In XX/XX/2024 and also XX/XX/2024 I tried to contact EQUIFAX and also access my EQUIFAX account information to resolve two accounts on my credit report that are incorrect. 
Account beginning with XXXX balance {$3100.00} Account beginning with XXXX balance {$1100.00} These are 2 different credit card accounts that I have never signed a contract for. 
These should not be on my account if they are not mines.
Product: Credit reporting or other personal consumer reports

I have contacted XXXX on multiple occasions over the past several months after discovering the hard inquiry on my credit report that I did not recognize. It is from XX/XX/XXXX. While I did have some credit card applications around that time, none of them are affiliated with XXXX XXXX Even when I spoke with XXXX each time, they have said they have no application on file from me. They also confirmed that I do not have an account. XXXX of my calls was on XX/XX/XXXX. I was able to speak to a senior level employee who says that he marked the inquiry as fraudulent, and that it would be taken off in the next XXXX  days. He gave me the ID number : XXXX  to use if the inquiry is not off in XXXX days. Another time I called was on XX/XX/XXXX, The person I spoke with gave me the fax number XXXX. Said address it to " attn : fraud application/hard inquiry. '' They also said I should provide my full name, address, phone number, and times when I can speak along with more information about what has happened. I never received a phone call. Prior to this, I initially spoke to either Experian or XXXX because I saw the hard inquiry initially through XXXX XXXX. They said there was nothing they could do and that I needed to speak to XXXX XXXX, and that they couldn't remove it without a letter to remove inquiry from XXXX. The first time I called XXXX, which I don't remember when, they refused to provide that. I had to call a few times before I got to XXXX XXXX of speaking with the senior employee. This hard inquiry remains on my account, and I have not ever applied for a credit card with them which they have confirmed.d I sent that fax to no response at all.
Product: Consumer Loan

We purchased a car from JD Byrider / CNAC XXXX from them. My husband had a major XXXX over 100 miles from home. I stayed in contact with XXXX, our collections account manager, she was aware and we verbally agreed that I would be able to make all past due payments upon return to XXXX. 3 days later, I got a phone call from XXXX XXXX XXXX " XXXX '' XXXX demanding payment that instant or she was issuing the reposseion order for the car. I informed her of my conversation with XXXX, and she told me that it was n't her problem and told me I had until close of day to have payment in their office. She would n't listen to myself nor her employee when she told her the same thing. Finally, they repossessed the car. I never received a notice of intent for the vehicle nor any communication on how to retrieve my belongings, including my drivers license, insurance documents, nothing. I tried calling and it was always " She was n't in '' when they asked my name.