23daVinci/CFPB_Complaints huggingface dataset:
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 Account Number : XXXX Account Name : XXXX 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  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number XXXX XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

I was transferring all of my cash out of my Marcus Savings account on XXXX. I received a call from a representative from their fraud department asking me to validate transactions from over 2 months prior. I validated the transactions. They then said they needed to lock my account until they could validate that external accounts I transferred cash to over 3 months ago belonged to me ( despite me validating the transactions as legitimate ). I had already validated these bank accounts too through trial deposits. 

My husband is currently experiencing a similar situations with Marcus -- it seems as though they retaliate against customers who are trying to move funds out of the bank - trying to validate a now closed bank account because I transferred cash to that account 3+ months ago and freezing my account as a result is ridiculous. 

I am hopeful that you can assist with getting my account unfrozen.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX INQUIRIES : XXXX XXXX XX/XX/XXXX : XXXX XXXX XX/XX/XXXX : XXXX XXXX XX/XX/XXXX : XXXX XXXX  XX/XX/XXXX : XXXX XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XXXX XX/XX/XXXX :
Product: Money transfer, virtual currency, or money service

I use world remit to send money, while I was using their app, it kept saying that make sure the receiver information was correct, so it said money send and then it said payment failed, but when to my XXXX XXXX account and worldremit already took the money
Product: Student loan

My employer was sending payments into initially XXXX - then later Aidvantage took the money- cashed the checks and applied none of the {$44000.00} to my account- the money has gone missing. The loan was serviced by XXXX  Even though the checks were made out to XXXX, Aidvantage just signed the checks and cashed them. Stole the money and didnt apply it to my loans. 

Company response : " Our review confirms that the payments in question were all refunded to the remitter at the following address : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, TX XXXX " However they never refunded the payments. XXXX XXXX XXXX XXXX XXXX received nothing and Aidvantage still has not provided any documentation regarding the refund. The only thing they provided was an unsigned spreadsheet without a letterhead and no contact information. 

Reference prior complaint XXXX
Product: Credit card

I double paid my account accidentally. I called a week ago to correct the issue and they said it would take XXXX to XXXX days to correct. It has been a week, I called and the representative and he said it would be reviewed tomorrow, and if approved it would take another XXXX to XXXX days. This is totally unacceptable!
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act 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
Product: Checking or savings account

Bank of the West did not repley back to My, E-mail. As, they thought money was returnded. " No '' money was returnded, and sign up advertisement was not honored. 

XXXX 2022 account open date spans with drawl.
Product: Credit card

I noticed a late payment logged against my credit report. I contacted the credit card company and requested the statement for that month. On the statement it shows that payment was made on time. I disputed the late payment with the credit reporting agency for XXXX rounds. On the XXXX round of disputes I provided a copy of the statement which shows that the payment was made on time and it shouldn't be marked as a late payment. I also requested proof of the investigation to show that they contacted the credit card company and it was verified by the bank. I received a letter by the credit bureau marked as verified without providing proof of investigation. The credit bureau ignored the evidence ( bank statement that shows payment was made on time. Even though proof was provided, the credit bureau continues to fail to investigate the matter accurately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am getting denied when I apply places and it says " unable to verify identity '', using information I know without a doubt is correct. When I try to log into Transunion, it says unable to verify security freeze. When I try to go to alerts it says it can not show anything at this time. When I requested a free annual credit report they said unable to verify identity. When I reset my password and logged in it won't let me perform any actions, such as initiate a dispute. 

It seems like something is severely wrong with my profile leaving me unable to access my credit report. Unfortunately there is no way to properly communicate or resolve this when they can't verify it.
Product: Credit reporting or other personal consumer reports

I have complained about identity theft on several different occasions. If you can provide the following, you must erase or block any things that were opened without my knowledge, authorization, or authority within four business days : ( 1 ) Appropriate identity documentation ; ( 2 ) a copy of an identity theft report ; ( 3 ) the customer 's identification of the pertinent data ; and ( 4 ) a customer declaration indicating that the data is unconnected to any transactions. 
XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX  XXXX, FL XXXX ; XXXX XXXX XXXX, FL XXXX ; XXXX  XXXX Balance Owed : {$1500.00} ; XXXX  XXXX Balance Owed : {$0.00} ; XXXX  XXXX Balance Owed : {$0.00} ; XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX {$400.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance Owed XXXX {$6800.00}.
Product: Credit reporting

I have disputed a medical collection appearing on equifax report since XXXX 2016. The issue is this account was paid in full to original creditor which is XXXX Louisiana XXXX hospital. Equifax is not properly investigating my complaint and is returning to me the same result of " Collection Account Paid in Full. '' This is unacceptable. The collection agency is dishonest and equifax is not doing due diligence on behalf of consumer.
Product: Checking or savings account

I am writing to address an issue with my accounts. Despite having separate XXXX numbers and being standalone accounts, XXXX  has frozen all of my accounts due to one account being overdrawn. This action has caused significant issues, including : - Returned payments leading to late fees. 
- A 30-day late mark on my credit report due to the freezing of an account that is in good standing. 

The account that was overdrawn is entirely separate and should not impact the other accounts, which also have separate XXXX numbers. 

I request immediate action to unfreeze the accounts that are in good standing and to rectify any resulting negative impacts on my credit report and financial standing. 

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

XXXX XXXX notified me that a new collection had been added to my account, who is owned by Transunion.I was unable to file a dispute, donot know the reason.XXXX XXXX, bought my account from XXXX XXXX XXXX, who had already listed this account on my report, listed that I owe them {$590.00} in XX/XX/XXXX, XXXX has listed the same debt for the same amount of {$590.00}, which is a duplicate, of the same debt.I told them these account are duplicates and it is illegal to list them twice, and needs to be removed.All 3 of the credit should be notified, and take appropriate action.XXXX listed the debt on XX/XX/XXXX. 
I can not request a copy of my credit report online from XXXX, for years, because they have the incorrect security question.I have contacted them in regards to this matter, and it has not been corrected.They also ask incorrect question, in regards to my past place of resident. 
I contacted XXXX also, no response to date. 
There is also a debt for a payday loan, that I have written to these credit bureaus, multiple times, and it has not been corrected.I told them, I donot owe the amount listed, these people are rip-offs, and you pay them interest, and still have not paid the debt off.XXXX XXXX has listed I owe $ XXXX.They only lend me {$250.00}, and I paid {$300.00} for months .I donot owe XXXX XXXX any money.
Product: Credit reporting, credit repair services, or other personal consumer reports

Chase Bank is reporting 30 day late 's on my account. I have paid this account and there was a residual balance and/or fee that i was never notified about. I was not told when i called in to make the payment and never received any other notice from Chase Bank and wasn't aware of the late notations until i pulled my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Last XXXX I filed a claim against XXXX XXXX  for doing a hard inquiry instead of a soft and giving me credit that I didn't ask for. This involved a dishonest Plumbing and Heating Service that tried to con me into replacing my entire HVAC system, over $ 14K, promoting a 0 % interest rate. Turns out, there was nothing wrong with my HVAC. Meanwhile, with your help I was able to get XXXX XXXX  to agree to fix this. To that end they sent me a letter claiming they had corrected this with all the national credit reporting burueaus. Meanwhile, since then, every time I have checked with Experian, my main credit bureu, they still have my credit dinged with the " hard inquiry '' from XXXX XXXX. 
Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Sales Financing Company I had re-reported to CFPB as I recall, some months ago, but nothing came of it. I assumed there was a delay and gave XXXX XXXX  and Experian the benefit of the doubt. But now, over 6 months later it is still not fixed. My attempts to contact Experian directly have been to no avail. I have even shared the letter from XXXX XXXX  ( included as an attachment ) to no avail.
Product: Debt collection

I am a victim of identity theft that occurred in 2015 or before.. I became aware of the breach and took action in 2015.

I have filed a police report and your FTC Affidavit.

I am a XXXX XXXX and can not seem to understand why this company keeps pursuing me on a debt that is not mine.. This is crazy.. especially a debt that does not belong to me. I am getting ready to sue these people but before I spend additional money trying to resolve this I figured I would reach out to my government.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit report today for the first time. I have a number of hard inquires on my account that I did not authorize, and I believe are fraud. I need help in getting these removed from my account as I did not approve these and they are hindering me from providing a home for my family to live in during the covid 19 pandemic. Please, please help me. I have contacted each company with no resolve when speaking to the fraud departments. 

XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Informative Research- XX/XX/XXXX XXXX XXXX- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/14 my Coinbase account was hacked. I alerted Coinbase and my account was locked and all my funds are missing XXXX including multiple charges to my bank account in the amount of {$600.00} as well. I have sent multiple emails and have yet to hear from anyone from Coinbase
Product: Debt collection

I was unaware of a insurance deductible bill for {$200.00} for XXXX of my adult children that had gone unpaid. I am primary on the insurance and normally would received a bill in the mail from hospital. However the first time I became aware of {$200.00} bill was after it appeared on my credit report. I found collection company immediately paid item and I do not disagree with amount however I received no mail or any calls from company. They stated a letter was sent in XXXX but I never received it and they had a house phone listed and I do n't have a house phone so no messages received. The hospital visit was in XX/XX/2016 I believe an no attempt to collect just added to my credit report, I was n't even the patient that was an adult. I called immediately paid but disputed collection as a bad debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS 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 belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Filed/Reported XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I purchased a XXXX on XXXX XXXX using my Synchrony Bank, XXXX store card. The camera was defective and I returned it via XXXX on XX/XX/XXXX. I have a receipt from XXXX reflecting this and it clearly shows on their website when searched using the tracking number XXXX. A credit was posted when XXXX received the shipment. In XXXX the credit was reversed. I reached out to XXXX twice and both times the rep stated that the item would be researched. I never received an email back or any form of response. Frustrated with XXXX, I then disputed with the credit card company. I provided copies of the XXXX shipping receipt that I received when I dropped the package off in XXXX. They placed a provisional credit. Then around XX/XX/XXXX they reversed the credit and sent me a letter stating that XXXX said that they did not receive a shipment back with the tracking number listed above and that I need to send proof that it was shipped. I have no other proof that the XXXX receipt and the evidence of the shipment back being received by XXXX warehouse in XXXX, KY. I am being defrauded of XXXX, I believe someone in the warehouse stole the contents of the package. I should not be paying for XXXX shrink. XXXX arranged for the return and has a relationship with the carrier therefore shipping terms should be FOB shipping point. In XXXX I placed a total of XXXX orders and XXXX XXXX orders. I am not financially hurting, I have paid little to no interest to Synchrony because I am financially secure enough to pay off my balance and capitalize on 5 % discount when using their card. I do not need to steal or lie from XXXX or anyone. But apparently XXXX needs to rob customer when items go missing between XXXX and the return dock and Synchrony assists since they blindly accepts XXXX word and not take the time to review evidence of check tracking number.Lesson has been learned to not buy electronics or items costing over {$50.00} from XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth 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 an alleged fraud or extortion. 
XXXXXXXX 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am rewriting to formally resubmit the complaint to TRANSUNION regarding inaccuracies in the reported data on my credit file and you are not taking action of removing them in my credit reports. The information in question is not verifiably compliant, proven valid, or fully documented as true and physically verified. My name is XXXX XXXX XXXX XXXX, and my address is XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX. My date of birth is XXXX, and the associated FTC report number for this complaint is XXXX. I have identified potentially false and unverified inquiries and accounts on my credit file that lack proper authorization from me. As a consumer, I am well within my federal and state consumer and civil rights to insist on the prompt removal of these items. I am initiating this consumer complaint and compliance check to address specific items being reported under FACTA Title 1 sec. 151, which unequivocally requires a thorough examination of the process. This serves as a formal dispute of information and reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2020 i received a check to pay the balance for the debt that i sent to the company, they sent a 1099c and refunded me the funds i had sent as they cancelled the debt and promised to remove. I have reported them to the FTC as well as called several times with no letter or 2nd copy of my 1099c for my mortgage company and was hung up when I requested them to honor the FDCPA and remove the debt as it was forgiven, which under the FCRA then they aren't allowed to be reporting this debt, I have 2 other debts with them that were also forgiven but no 1099c provided and are still on my report from the same company.
Product: Debt collection

I was called by a debt collector trying to obtain a debt and a lady threatened me saying if I didnt pay then the debt I owe would report to the credit bureaus when I notified them that it was an inconvenient time to call me, that it was my place of work and to stop calling this number. The number I told them to stop calling was the Principal at the place I work. Theyve also called the Front Receptionist, Registrar Office, Attendance Office, and Principal Secretary. They kept calling my place of work and now my co-workers know a debt collector is trying to reach me.