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

This is my 5th Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) XXXX  and TransUnion are require to remove any item which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2021 ; XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX GA XXXX XX/XX/2021 ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX
Product: Vehicle loan or lease

On XX/XX/XXXX I called American Credit Acceptance and made my monthly car payment with a representative of that agency by paying with a check over the phone confirmation # XXXX. On XX/XX/XXXX I received a text saying that check was returned due to insufficient funds. I called on XX/XX/XXXX to tell them this was a mistake there were funds in that account and was told that my XX/XX/XXXX payment had gone through and my next payment was due on XX/XX/XXXX. I got a text from ACA before my XXXX payment was due saying my account was 30 days past due. I called and spoke to several people at ACA and ultimately spoke to the manager, XXXX, who stated that they probably entered the information wrong and that's why check was returned. I asked for to listen to the call on XX/XX/XXXX where the representative said my XXXX payment was ok and my next payment was due XX/XX/XXXX. XXXX said she did not hear that part of the call and that she would have someone else listen to the call and she would call me tomorrow ( XX/XX/XXXX around XXXX ). This now means I owed over {$2000.00} for my car payment this month which I don't have, it will affect my credit score and I will have late fees because of a mistake in their end and me being told by ACA that my XXXX payment had gone through. I have the call with XXXX the manager recorded. She said they keep their recorded calls for at least a year because I did not want it to mysteriously disappear.
Product: Credit card

I noticed my XXXX pension pay was short {$200.00}, I looked up my account and noticed AAFES took out {$200.00} for government indebtness. I paid my remaining account balance, {$3500.00}, on XXXX XXXX 2016. Prior to me paying my account off, my account was current. I talked to a customer service agent and she told me, she do n't know why money was garnished out of my account. She informed me that AAFES submitted a wage garnishment on XXXX XXXX 2016 for {$200.00}, but I made an on-line payment on the same day for {$2000.00} that had n't posted. The XXXX XXXX 2016 for {$2000.00} posted the next day. I do n't understand why a garnishment that supposedly took effect on XXXX XXXX 2016 is just now taking effect until today, after my account had been paid off in full. The garnishment should have never been processed any way. The customer service agent informed me that according to the system the {$200.00} garnishment is not in the system and to call back in two weeks to request a refund. It seems to me AAFES is double dipping by garnishing payments out of XXXX accounts, even though they made payments on-line. I need my money, {$200.00}, back immediately because that garnishment should have never been processed in the first place.
Product: Credit reporting, credit repair services, or other personal consumer reports

stuff showing inaccurate information that is not mine violates my rights i have filed police report that i enclose .. also hippa and ID theft gov please this removed
Product: Credit reporting

I have XXXX public records for tax liens that are paid in full and transunion is the only discrepancy compared to my other XXXX reports these were supposed to be removed and have not
Product: Credit reporting or other personal consumer reports

XXXX ( only credit reporting agency to do so ) has published derogatory information on my credit report as a result of fraudulent collection attempts by Columbia Debt Recovery LLC, dba Genesis. 
The basis of the derogatory comments is a result of XXXX XXXX XXXX. 
On XX/XX/XXXX I signed a lease with a XXXX XXXX XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX, XXXX, TN. The lease specifically stated that utilities would be billed individually by unit and XXXX XXXX XXXX on attached lease, page XXXX of XXXX -item # XXXX. 
Upon noticing that my utility bill was escalating dramatically on a month-to-month basis ( example-gas increased for ~ $ XXXX to over $ XXXX ) I questioned management on why this was happening. 
After weeks of no response, residents received a notice via email ( attached ) that utilities would be " allocated '' across all residents, and this was now a term of the lease. This unilateral decision to alter voided the lease and also left it illusory. After not receiving any response from management questioning this move, and fearing other unilateral alterations, I choose to move out given the voided lease. 
XXXX then contracted with XXXX XXXX XXXX to attempt collection who began contacting me for unwarranted and illegitimate collection. On XX/XX/XXXX I requested all relevant lease documents ( including XXXX notice to tenants and unilateral modifications to the lease ) as well as all email correspondence between myself and XXXX management. I received no information and Columbia Debt Recovery efforts ceased. In XXXX of XXXX I noticed a significant drop ( from XXXX to XXXX ) in my credit score, driven by the derogatory remark posted by Columbia Debt XXXX XXXX XXXX site XXXX My dispute to XXXX was rejected. This is a result of inadequate research on the part of XXXX and lack of transparency by XXXX XXXX. I will also be filing a complaint against Columbia and XXXX.
Product: Credit reporting or other personal consumer reports

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is Anjell Evans and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no XXXX  party involved. Please review the uploaded letters.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. XXXX and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

below companies accepted inquiries even my address was worng. 
Unrecognized credit inquires/ possible identity thief XXXX XXXX XXXX XXXX a. Inquired onXXXX b. On record untilXXXX XXXX  XXXX CAPITAL ONE a. Inquired XXXX b. On record untilXXXX XXXX XXXX. XXXX a. Inquired XXXX b. On record untilXXXX XXXX5 XXXX. XXXX XXXX XXXX a. Inquired XXXX b. On record untilXXXX XXXX XXXX. XXXX a. Inquired XXXX XXXX. On record untilXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent accounts on my credit files and I'm asking that a full investigation be conducted and I'm provided with the Method and every detail of this investigation or you shall remove the accounts immediately. 

1. XXXX XXXX XXXX {$100.00} 2. XXXX XXXX {$420.00} 3. XXXX XXXX {$620.00} 4.  XXXX XXXX / XXXX 5. XXXX Department of EDU {$1100.00} {$2000.00}
Product: Student loan

On XX/XX/21 I used FedLoan Servicing 's email portal on their website to ask a question about the status of my income-drive repayment plan. 6 days have passed with no response. I wanted to use their chat feature advertised on their website. It always says " No agents available at this time '' during their normal business hours. 

Phone : I have tried calling on 3 occasions. I missed a callback the first time. But now, pressing 1 to request a callback and reserve a place in line either ends the call immediately with no callback confirmation or it just repeats the same loop you've been on, eventually asking you again if you'd like to receive a callback later and hold your place in line.. an endless loop. 

If I can not confirm these details I will not be able to confirm the minimum payment that is on the bill when payments resume is accurate or not!
Product: Checking or savings account

On XX/XX/year>, a wire transfer of {$2300.00} ( Including {$25.00} wire transfer fee ) was taken out of my XXXX checking account. It was wired to a/an place/institution unknown to me. 

On XX/XX/year>, I noticed that my email ( that I use with Chase bank ) seemed crammed with junk mail and unusual solicitations. I checked all my bank accounts. All were OK except for my Chase bank account. My Chase checking account had {$2300.00} wired out, and now I have less than {$150.00} in my Chase Checking account. 

I called Chase immediately and filed a fraud report with the Chase agent. I was never notified of the wire and did not authorize the transaction. She advised that I call back on Monday, a business day when the Chase wire team will be back at work again. 

I did so, and called Chase several times after that, as directed. I was told it will take up to 5 business days to resolve my claim. I reiterated that it is fraud and I did not authorized or initiate the transaction. I froze my accounts and changed my passwords. 

I have never wire any money from my Chase accounts, and I have been a Chase customer of 20 years. I have always used paper checks and the free ACH for transfers and payments. This is apparent from all the records. 

I just got off the phone with Chase again. I still do not have my money back and received no updates on the situation. I am told now it will take longer than 5 business days. It appears I have no other option except to wait. I asked but was not provided with a time frame of how long this will take. And more importantly, I was not assured that I will get all my stolen money back. 

I am very upset that a huge bank like Chase can simply wire out all my money in an instant, and I am left to wait at their mercy while they " continue their investigation. '' I have been patient and given them more than 5 business days, as it was first told to me. 

I hope CFPB will let us consumers have a say on if we ever want wire transfers out that we be contacted first, as an option to safeguard one 's money in a bank. 

The only timeI ever used a wire-tranfer in my life was when I purchased my house and I was indeed spoken to and contacted by my banker at XXXX XXXX  XXXX
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, XXXX XXXX XXXXXXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Listed below are the Accounts that are being challenged 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

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Debt collection

This debt was originally with XXXX for a charge belonging to my ex wife. XXXX turned the debt over to convergent outsourcing. Convergent could not provide any proof that the debt was mine because it wasnt. In order to fix my credit because they refused to correct the issue, I paid the debt, years ago. Subsequently the debt was removed from my credit report. It has been about 3 years and now the debt has popped back up on my credit reports causing hardship. I am frustrated with trying to resolve this issue and the company will not respond to my requests. They dont communicate nor will they respond to my repeated attempts to resolve this issue
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

on XX/XX/2021 i ran my credit report and notice a company name THE BEST SERVICE COMPANY XXXX XXXX had reported a collection account on my credit. 
Upon investigating it states this is from XXXX XXXX XXXX XXXX. 

My XXXX XXXX XXXX XXXX account was hacked and XXXX XXXX XXXX XXXX refused to investigate. After encountering NSF fees i called the branch to figure my options. The branch credited the account the negative amount and closed it due to the fraudulent activities. 
Now i am being billed for someone else fraudulent activities and the bank has refused to investigate
Product: Credit card

I do not recognize this account it apparently is a result of identity theft and needs to be removed asap.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am notifying you about my identity theft in my letter of complaint since I was a victim of it. I've discovered that some of the account included on my credit report are either not mine or was opened without my knowledge. I need your help to remove this account from my report. Any account referenced in an identity theft report must be blocked by the credit bureau, according to FCRA section 605b. I've included a few documents to help in the effort to stop the submission of false information on my report. 
XXXX XXXX XXXX XXXX : {$510.00}
Product: Credit card or prepaid card

I closed the account credit card OPORTUN and paid the amount that I owed them later I received a statement with a late fee payment to make because they received the payment one or two days late. I told them that the mail in XXXX takes longer and I sent my payment on time, also that I got affected by the coronavirus and have no job. I paid my debt in total but now they want me to pay them more after I closed the account.
Product: Credit reporting or other personal consumer reports

This is in reference to : XXXX XXXX XXXX XXXX XXXX Account ending in XXXX Balance due : {$3300.00} I trust this message finds you well. I've been reviewing my credit report and came across some information that raised a few questions. In my exploration, I delved into the Fair Credit Reporting Act, specifically 15 USC 1681, section 602, which highlights the need for consumer reporting agencies to exercise their responsibilities with fairness, impartiality, and respect for consumers ' right to privacy. 

As a consumer, I've been thinking about my rights and responsibilities in this context. According to 15 USC 6801, it is the policy of Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and protect the security and confidentiality of their nonpublic personal information.

Digging deeper, I found 15 USC 1681, section 604, which outlines the circumstances under which a consumer reporting agency may furnish a consumer report. It explicitly mentions that they can do so only in accordance with the written instructions of the consumer to whom it relates. I want to emphasize that I haven't given any written consent for the sharing of my information, and this concerns me. 

Furthermore, 15 USC 6802 ( b ) ( c ) notes that a financial institution may not disclose nonpublic personal information to a non-affiliated third party unless the consumer is given an explanation of how they can exercise the nondisclosure option. To my knowledge, I have not been informed of such an option. 

I also stumbled upon 15 USC 1681c ( a ) ( 5 ), which states that no consumer reporting agency may make a consumer report containing adverse information without authorization. It appears that an adverse item is being reported without my permission, which, according to 15 U.S. Code 1681s2 ( A ) ( 1 ) A, is against the law.

The Act further mandates that consumer reporting agencies maintain reasonable procedures designed to avoid violations of the statute. Unfortunately, it seems that Equifax, XXXX, and XXXX may not be following these guidelines, as indicated in 15 U.S. Code 1681e.

Lastly, I discovered in 12 CFR 1016.7 that a consumer has the right to opt out of reporting services at any time. I'm choosing to exercise that right.

I wanted to bring these specific sections of the Act to your attention and discuss how we can address these concerns. Your insights on this matter would be greatly appreciated. 

Thank you, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When my background check is submitted and ran they are using charges that are seven years old. According to the seven year rule these charges should t appear its been almost ten years and these changes are still popping up on criminal background check .According to the FCRAs 7-year rule, for example, certain criminal records must be removed from an applicants history after seven years.

These records include civil lawsuits, judgments against an applicant, arrest records, and paid tax liens. The FCRA also imposes a few additional restrictions on Florida employers.

Additionally, the FCRA requires employers who run background checks to ensure the information in the report is current and accurate. If it is not, an applicant has the right to dispute the background checks contents, which will trigger an investigation by the reporting agency.
Product: Money transfer, virtual currency, or money service

I want to be reimbursed my money, it was unauthorized and the person it was sent too stated was never received. So Zelle has my money