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

I need to File a complaint On Transunion I have asked them 3 time do a Physical verification of erroneous unverified account on my credit file and they fail to do so. Now I won't a deletion of the accounts listed below I DO NOT WANT A UPDATE OR ANY CHANGES COMPLETE DELETION TO ANYTHING IT'S BEEN OVER 30 DAYS AND THEY FAILED TO DO THEIR JOB XXXX XXXX XXXX XXXX Not my account Number I won't these 2 accounts removed ASAP ALSO SEND ME PHYSICAL DOCUMENTS SUCH AS A CREDIT APP WITH MY SIGNTURE ATTACHED. 
IF THESE ACCOUNTS ARE NOT REMOVED I WILL FILE A LAWSUIT!
Product: Credit card

On XX/XX/year> citi charged me {$99.00} membership fee on my credit card which I did not know as they did not charge it for first year. I called them on XX/XX/year> to refund my membership fee as I did not use any benefit and the card at all but they refused.
Product: Debt collection

Our company has an outstanding balance due. We have been in constant contact with the company we owe. They sent our account to a collector at CFM Group without correcting our dispute with them. CFM calls the front desk to be transferred to my line even though I asked him not to call the front desk since we are an XXXX our girls at the desk are too busy to be bothered by him. He then leaves me voice mails back to back for at least 2 hours every day. As of today I asked him to stop calling or I would be left with no other choice but to report him for improper practice. The harassment has to end as of today i have XXXX voicemail 's back to back after my last talk with him of him just breathing heavy into the phone. I know its him since I have called ID!! This has gone on for well over a month every day. He is demanding, rude, inconsiderate, demeaning, and chauvinistic.
Product: Credit reporting or other personal consumer reports

Despite multiple attempts to address this issue, the late open account persists, which is adversely affecting my creditworthiness and financial standing. 

As previously communicated, the presence of a late open account inaccurately portrays my credit history and could have detrimental effects on my ability to access credit and financial opportunities. I have provided detailed documentation and evidence to support the correction of this inaccuracy, yet it remains unresolved. 

I kindly request an update on the status of my request and urge you to prioritize the correction of this late open account without further delay. Your prompt action is essential in resolving this issue and restoring confidence in the accuracy of my credit report. With this, I am asking for your assistance to correct this account in my credit file : XXXX XXXX Balance Owed : {$10000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, the Money Source incorrectly reported a mortgage account to XXXX. This mortgage was discharged in my bankruptcy, which was filed XX/XX/XXXX. Because the Money Source incorrectly reported the status of the account as Pays as Agreed with a balance of {$240000.00}, my credit score dropped over 40 points overnight. Since I no longer have responsibility for this loan, it should have never reappeared on my credit report. The last time it was reported before XX/XX/XXXX was XX/XX/XXXX, prior to my bankruptcy filing. 

I contacted both XXXX ( filed a dispute online ) and the Money Source ( called them ). I was transferred several times during my call to The Money Source, and finally ended up speaking with a representative ( XXXX XXXX ) in the bankruptcy department. She asked me to email her a copy of the credit report showing the incorrect information. She was not able to tell me what happened, other than she would forward it to the " research department. '' I never got a follow-up confirmation email that the information had been corrected ; however, I got a notification from XXXX that the dispute was resolved.
Product: Vehicle loan or lease

Early XX/XX/2020, I received notification from Bank of American of an extension in payments due to the COVID crisis. I applied and was approved ; at the begining of XX/XX/2020, XX/XX/2020, I received email notification that the extension ended and payment was due. When I logged into my account, the amount due was the total of ammount of the payments due during the granted extension plus the month of XX/XX/2020. The amount of each payment due is {$390.00} per month. On XX/XX/2020 the total amount due was {$1500.00}. Due financial constraints during COVID, I was unable to make this full payment. I was able to pay down this amount slowly, however the account remained in default. This was then posted to all credit agencies on XX/XX/2020 and XX/XX/2020. The account is now to-date and in postivie standing. I talked to Bank of America today and they were unable ot assist with the credit posting and I was referred.
Product: Debt collection

I am a XXXX veteran who had XXXX outside of a VA facility, with a special authorization by the VA. I received bills and collection notices that I sent to my local VA for review. I was notified that the bills had been paid. However, the collection agency, Bull City Financial, refused to remove them from my credit report. I have filed dispute claims with 2 of the 3 major companies. This has destroyed my credit and has kept me from acquiring a VA home loan of which I desperately need.
Product: Credit reporting, credit repair services, 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 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 obtain a copy of my credit report without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple previous written requests, the unverified items still remain on my credit report in violation of Federal Law. They failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM A VICTIM OF AN IDENTITY THEFT, SOMEONE FRAUDULENTLY OPENED ACCOUNTS USING MY PERSONAL INFORMATION, THE ACCOUNTS AND THE CHARGES DON'T BELONG TO ME. I HAVE REACHED OUT TO THE CREDITORS AND TOT HE BUREAUS BUT BECAUSE THE INFORMATION THE THIEF USED TO OPEN THE ACCOUNTS THEREFORE IT SEEMS LIKE THE ACCOUNTS BELONG TO ME. THESE ACCOUNTS ARE FRAUDULENT, THEY DON'T BELONG TO ME. OBVIOUSLY THEY HAD MY CORRECT INFORMATION THATS WHY THEY WERE ABLE TO OBTAIN THE ACCOUNTS. AGAIN I AM CONFIRMING THAT THE ACCOUNTS AND THE CHARGES ARE FRAUDULENT.
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 Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX and 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: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
FLORIDA DEPARTMENT OF ED Reported : XX/XX/2019 + {$10000.00} Closed FLORIDA DEPARTMENT OF ED Reported : XX/XX/2019 + {$5000.00} Closed FLORIDA DEPARTMENT OF ED Reported : XX/XX/2019 + {$11000.00} Closed US DEPT OF EDUCATION Reported : XX/XX/2019 + {$12000.00} Closed US DEPT OF EDUCATION Reported : XX/XX/2019 +  {$10000.00} Closed US DEPT OF EDUCATION Reported : XX/XX/2019 + {$21000.00} Closed US DEPT OF EDUCATION Reported : XX/XX/2019 + {$6100.00} Closed US DEPT OF EDUCATION Reported : XX/XX/2019 + {$3800.00} Closed US DEPT OF EDUCATION Reported : XX/XX/2019 + {$14000.00} Closed US DEPT OF EDUCATION Reported : XX/XX/2019 + {$6800.00} Closed US DEPT OF EDUCATION Reported : XX/XX/2019 + {$12000.00} Closed US DEPT OF EDUCATION Reported : XX/XX/2019 + {$6100.00} Closed US DEPT OF EDUCATION Reported : XX/XX/2019 + {$3300.00} Closed US DEPT OF EDUCATION Reported : XX/XX/2019 + {$12000.00} Closed FLORIDA DEPARTMENT OF ED Reported : XX/XX/2019 + {$5500.00} Closed The items listed are clearly fraudulent ; therefore, I am requesting that they are  deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Money transfer, virtual currency, or money service

PNC wouldnt transfer funds to my XXXX  account
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent activity reporting misleading information. Daily reporting is extremely misleading
Product: Student loan

I had originally been lent my private student loans by citi bank back in XX/XX/XXXXto XXXX, later sold to XXXX. It was not made clear to me what the length of the term would be or the double digit interest rate until after graduation.
Product: Debt collection

Complete Credit Solutions , Inc. has made repeated calls through the following numbers, which is another company : XXXX, XXXX, XXXX. The company, XXXX claims that they are calling on behalf of Complete Credit Solutions , Inc . They have called my phone multiple times, sometimes up to twice a day. I called and they said they were attempting to collect a debt with Complete Credit Solutions Inc. for something I have no idea about and I asked them to please stop calling. I have already received letters from Complete Credit Solutions Inc. The multiple phone calls day and night are harassing and disturbing, especially because I need my phone for work and get constant interruptions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax mishandled my personal information ( as well as the information of millions of others ) which has led to a breach that puts my personal banking information at risk for the foreseeable future. They chose not to inform me of this ( and still have n't as of this complaint ) for over a month after they became aware of the breach. As far as I can tell, the only recourse they are offering forces me to simultaneously forfeit my right to legal action against them for their negligence. Considering I have never even personally requested their services, it seems ridiculous that I am simultaneously expected to take all the proactive measures to protect myself from their negligence.
Product: Credit reporting or other personal consumer reports

I am formally requesting this letter to update the following items in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of 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 XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, 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

The living breathing woman does not have a wet ink contract with XXXX, XXXX, or TRANSUNION to publish all of that information that is not mine but another fictitious entity and against the law 18USC1342. The manual of styles says that CORPORATIONS have all capital letters in their names. Living breathing people do not spell their names in all capital letters.These CORPORATIONS have been destroying people for generation after generation with abuse, lies, and deceit often told from Bankers from other Countries who come over here and try to tell people what to do and how to do it.Lend us our money with a large price tag on it they do not have money because the only money that is available is script from yet another CORPORATION, called the FEDERAL RESERVE This is information is not for the living breathing woman it is for a CORPORATION that was created at birth.This credit reporting agency is well aware of this scheme and are working with Banks, Lawyers to deceive the people they even call people Descedent which is a DEAD person, we are classified as DEAD persons. This government is Bankrupt so how in the world can they lend money to people when they are bankrupt. Our Signature and we the people are the Real Estate and are worth Billions of dollars. XXXX XXXX and XXXX XXXX has talked about what is going on right now. All of these credit reports are fraudulent and every one of the CREDIT REPORTING AGENCIEs know it. Lets tell the truth and keep every last one of the people up on living in the truth. These CORPORATIONS HAVE BEEN LISTING ME as a CORPORATION which is false information and it is a violation 15USC 1692a-p among other deceptive practices that the BANKERS, ATTORNEYS use taxing the American people for no reason at all. 
We the people will prevail, as soon as the XXXX XXXX wears off. The CREDIT REPORTING AGENCIES have communicated all of this negative information to a third party and have gotten away with this for years and years this should not be the case a fine should be imposed against them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good Afternoon and happy Friday! Listen, i was really shocked and extremely surprised today when i refresh my credit report and noticed that my auto loan from Santander continues to report incomplete and unverifiable information for the past year or more. Specifically, i noticed that they are reporting an incorrect, erroneous balance of {$16000.00}, where my correct and legal balance is {$15000.00}. Also, i noticed that they market me late on XXXX and XXXX of 2019 for 30 days, however, i had signed an agreement that those months were deferred and put on the back of the loan and make the terms longer. There are so many incorrect and inconsistencies with the way this auto loan is reporting and it's a violation towards my consumer right and i honestly don't want to waste anyone 's time going back and forth. I would rather either this account made current removing all the late remarks or simply remove this entire tradeline from my credit report.
Product: Debt collection

I was contacted at my workplace by XXXX XXXX Attorney XXXX XXXX on XXXX XXXX, XXXX. When I spoke with this employee she stated she was collecting a debt from Cashcall, and would like to no what are my intention of taking care of this matter. I explain my circumstances preventing me from continuing my payments. This employee begun to make threats of legal action of garnishing all my wages where I would have no money.She stated I owed {$5000.00} then {$11000.00} During the conversation I requested for validation of this debt she stated it was sent which I explain I did not recieve it.. I asked where they were located, XXXX County Ca and was told she had the right to sue then she continue to get hostile and hung up. I immediately called Cashcall and spoke with XXXX was told my account balance at that time was a payment for {$120.00} had posted on XXXX/XXXX/XXXX another payment XXXX/XXXX/XXXX {$910.00} the orginial loan amount was {$2500.00}, {$1100.00} was returned. XXXX explained that my account had a principial amount of XXXX and interest XXXX and they had sold my account to XXXX XXXX XXXX/XXXX/XXXX. I question their identity and request them to cease contact at my workplace. I have research them through the XXXX and found they have had numerous compliants.
Product: Credit card or prepaid card

Regarding Banking Regulators : they need to catch up with ever changing circumstances and new types of customer abuses. Here is the problem specifically which has cause me harm : PayPal denies that they are a bank despite that they've frozen my funds via my XXXX XXXX XXXX, not credit, these are my funds in the amount of {$5300.00} for an alleged, unspecified " acceptable use '' violation. They will not specify the alleged violation however I suspect it is because I used XXXX to pay for a firearms part recently. Meanwhile, they've notified that my funds are frozen and will remain in THEIR possession for 180 days. Is this not ridiculous? They can keep MY lawfully earned money for that long? 

If you can help with problem number it would be greatly appreciated. I'm not a wealthy person, I need these funds, without them my family is under great hardship. sincerely, XXXX XXXX XXXX reference I.D . XXXX
Product: Credit reporting or other personal consumer reports

I've identified several deviations from mandatory reporting standards, raising concerns about the accuracy and completeness of the information in my report. Consequently, I refute the allegations against me and challenge you to substantiate the reporting of this incomplete negative information on my credit report.

As per 15 U.S.C 1681e, consumer reporting agencies must adhere to reasonable procedures to ensure the utmost accuracy of information in consumer reports. Additionally, 12 CFR Part 1022 ( Regulation V ) stipulates that furnishers must provide information about consu
mer accounts with integrity and accuracy, conducting reasonable investigations of consumer disputes following Metro 2 compliance standards outlined in the XXXX. 

Departing from these standards jeopardizes the integrity of the data, as highlighted in the XXXX. Reporting errors can compromise the accuracy of federally regulated reports. Therefore, I am exercising my rights to contest these inaccuracies and non-compliant items. Ignoring my request would signify a disregard for my consumer rights. 

Reporting unconfirmed and potentially unethical information that does not meet certified standards is unjust. I dispute these claims and request evidence of proper reporting standards. Your actions are a violation of my rights, as detailed in this document. The incomplete and non-compliant nature of the report fails to meet legal standards. I demand certification of all aspects of required XXXX XXXX compliance truthfully, correctly, and in a timely manner. Failure to comply may prompt me to escalate these issues to the CFPB, FTC, and my Attorney General.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX
Product: Credit reporting or other personal consumer reports

My information was exposed in a data breach. And its showing incorrect information on my credit report. I need these removed immediately its destroying my credit. Its showing accounts that have opened fraudulently, and it has late pays on an apartment in XXXX I dont even live in Georgia . Its also showing multiple chargeoffs on all 3 credit agencies. Its illegal to sell my information. Under code 15 USC 1681 Im subject to privacy and protection. They can not do a charge off on my credit, and try to retrieve the debt or sell my debt. These companies sold my personal information to a collection agency.Thats 1000 % illegal. Its a lot of false information on my credit report and I wish to get it removed immediately
Product: Credit card

I sent a letter via XXXX mail on or about XX/XX/2023 to the following mailing address : Card Services XXXX XXXX XXXX XXXXXXXX XXXX  XXXX This was a request to open a dispute for a transaction with XXXX made XXXX XX/XX/2023 XXXX the amount of {$400.00} XXXX submitted this dispute within 30 days of the transaction. As of today, I have not received any correspondence regarding this dispute. I request that the full amount be credited back to my account and that all the interest charges accumulated over the time be credited as well.
Product: Credit reporting or other personal consumer reports

I have been a victim of identity theft at least 3 times and noticed that I have quite a few things on my credit report that do not belong to me. I have disputed with Experian for years to remove and they did not. I have asked for proof that the debts belong to me and have gotten nothing. I have been reaching out since XX/XX/year>. Please help me to remove these items. 
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