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

I recently reviewd my credit report and I noticed that their was a few address as well as names similar to my name that I didn't recognize so I contacted the credit bureau and reported the address as well as names that reporting to my credit report, When I finally spoke to someone before explain my problem after I gave the rep the inaccurate information that'd reporting on my credit report I was told that the address, the names was link to some accounts that I wasn't aware of .So I was told that the creditor had to delete the accounts that the address are tied to in order for them to remove the addresses that I ; ve never been associated with or lived at which isn't fair because I've no knowledge of these address listed below or the accounts that these address or tied to .I also attached a copy of my Experian profile with these address Address XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am in a loan application process. My have excellent credit score ( over 800 ) from XXXX  and XXXX  but my mortgage lender can not get anything from Equifax. So my loan application was blocked. I called Equifax and my lenders of credit accounts. I let my lenders of credit cards to send credit files to Equifax but it did not work. 

Basically what happened is Equifax removed all my credit accounts for unknown reasons since 2017. When the lenders sent my credit files to Equifax, Equifax can not add these accounts back because the accounts had been removed for a long time and it has passed a time limit. 

I did not authorize Equifax to remove my credit accounts and now Equifax won't add my credit accounts back. As a result, I lost all my credit files in Equifax. My loan application was blocked because of this. I have done all the means to let Equifax fix their error but it did not work. Can you please help me to solve this issue?
Product: Money transfer, virtual currency, or money service

I initiated the transfer of money to my home account in XXXX on XX/XX/2019 through Western Union via XXXX to my family account. The money transferred {$1100.00} went into Compliance check very next day and I submitted information asked by them. Later I got reply that this process will take up to 5 days, but even after 20 days I have not received any update on the same or any reply to my multiple messages.
Product: Credit reporting, credit repair services, or other personal consumer reports

Nothing in the boxes covers my complaint but to explain. I am XXXX and my name is Mrs XXXX XXXX. I am XXXX years old and I do not know the systems in the USA. However my dispute is with the Bank of America and although I have tried every which way I can I have gotten nowhere so I wish to entrust the CFPB. 
In XX/XX/XXXX I was awarded a huge compensation payment from the UN plus others. 
I received notification from the Ceo and President Mr XXXX XXXX. The payment was for {$30.00} XXXX usd which was lodged with the Bank. The proposed actions were to transfer the money into an account for me in my name. Mr XXXX XXXX XXXX who is the co-head of consumer banking. I was not advised at this time I would be responsible for numerous fees. It began with opening the account charged at {$500.00} then {$390.00} for activation. I had two other fees added for {$250.00}. Another {$190.00} for signing papers to be done by an attorney Mr XXXX XXXX at a cost of {$20000.00}. Then came the news the dates on the account cards were out so {$650.00} was needed for updating The bank wanted {$250.00} as a keeping fee and another {$250.00} for a courier fee, This all happened in XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

These consumer reporting agencies have infringed upon my right to privacy. I recently submitted a dispute explaining to them how so, and they still claim that the accounts disputed were verified and updated. I am requesting the method of verification. Today is XXXX, they have XXXX days.
Product: Debt collection

Up until XXXX, I was able to pay my credit card over the phone. The XXXX credit card service would never let me pay my credit card online. For some reason starting in XXXX when my wife called to pay the credit card they said that I had a XXXX balance and refused to let her make a payment. But did say something looked odd and that I needed to call. She informed them at that time that I didnt get off work until XXXX to XXXX and they said that the office would be closed at that time. Then in XXXX when we saw that they were wrong and there was a balance she tried to pay again, she was again refused the ability to pay the debt. She told them the amount, she told them that interest was being charged and late payments were being charged. She told them even though there was a XXXX balance she still wanted to pay what she saw online, she was refused the ability to pay online or over the phone. But again was told I had to call, but it had to be during daytime hours when Id be at work. She specifically asked if they were open on the weekends or in the evenings and was told no. She told them as soon as I had a day off, I would call and get this straightened out. She even told them the date that I had off and would call. So when I had a day off, I did just that, I called and paid the entire amount off. But instead of having my questions answered about why she wasnt able to make payments in XXXX and XXXX, even though shes been making payments for over a year, I was met with hostility and rudeness from the customer service rep at that time. No one informed me that they had sent my information to collections. I never receive any written statement saying that my information was going to be sent to collections. It wasnt until I looked on XXXX XXXX that I saw that my information had been sent to collections. My perfect credit now has a hit against it. All calls are recorded at the company and there should be multiple messages within my account regarding the issues that XXXX was having. On top of all of that the company went back-and-forth stating that they didnt see any messages on the account, that calls arent recorded, that theyre not sure if my information has been sent to collections, that I had to call a special department during the hours of XXXX to XXXX during the week while Im at work. I was told the collections department cant see customer service notes, and vice versa. I dont know why XXXX being punished for their lack of communication within their company. At this point I paid the full amount of what I owed, I even paid their interest and their late payments because I just wanted this to be gone. But now Im facing a hit on my credit which I desperately want off. I dont know what I need to send in or who I need to contact to have this removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 9 accounts on my credit report that do not belong to me I am a victim of identity theft and I have opened an FTC I have a notarized affidavit for identity theft I have been disputing these since XX/XX/XXXX and nothing is being done about it I need help. 

XXXX XXXX XXXX XXXX - Acct # XXXX balance {$0.00} XXXX XXXX XXXX XXXX - Acct # XXXX balance {$0.00} XXXX XXXX - Acct # XXXX balance {$8400.00} XXXX XXXX - Acct # XXXX balance {$0.00} XXXX XXXX XXXX - Acct # XXXX balance {$0.00} XXXX XXXX XXXX - Acct # XXXX balance {$0.00} XXXX XXXX - Acct # XXXX balance {$19000.00} XXXX XXXX - Acct # XXXX balance {$1800.00} XXXX XXXX XXXX - Acct # XXXX balance {$0.00} INQUIRIES XXXX XXXXXXXX XXXX - Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX - Inquiry date : XX/XX/XXXX XXXX
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 XXXX Account Number : XXXX Account Name : DEPT OF EDUCATION/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 Account XXXX : 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: Prepaid card

On XX/XX/XXXX and XXXX XXXX I purchased XXXX gift cards. XXXX of those cards have never worked. I tried to use them several times on different days, and they declined every time. I checked the cards on the gift card website, and there is no indication of any problem with the cards. When I call the company, they keep me on hold for a long time, and the person I speak with have a heavy XXXX accent, making them almost impossible to understand. They just tell me to try the cards again. I have tried the cards many times. THEY DO NOT WORK! It is very embarrassing to have my payment cards fail every time I use them. 

Card numbers : XXXX XXXX XXXX
Product: Mortgage

I have my mortgage now with Lakeview. I began a refinance search since the rate is 2.85 %. Lakeview reach out to me after being a customer for about 5 year or more, never making a late payment and paying more then what the monthly statement asked. I've given them all documents needed. My credit score is a XXXX. 
What was stated to me by XXXX XXXX, Lakeview wanted a break down of two years of overtime XXXX, XXXX & XXXX. The reason XXXX I grossed XXXX and XXXX I grossed XXXX. I advised XXXX your looking at my pay where it shows I made {$40.00} per hour.
Product: Student loan

Asked EdFinancial for refund on XX/XX/XXXX for paid student loan refund during " pause ''. Payment was made in full on XX/XX/XXXX for {$4700.00}. I was told wait 4-6 weeks, after 4 weeks I called back for an update; was told to wait. I called back on XXXX for an update and was told it was being processed and then hung up on twice. I am unable to apply for one time debt relief, and unable to make the XXXX deadline. 
Each time I have called, I received different responses and am hung up on. 
I understand that this process means reopening my loan and having a balance restored.
Product: Credit reporting, credit repair services, or other personal consumer reports

Without my consent XXXX XXXX sent my name, address, & wrong loan current balance information of {$16000.00} to the Credit reporting Institutes. On their website is a different total balance of XXXX. Reporting wrong information and not validating the debt is a violation under the FCRA 15 U.S.C. 1681-1681x 15 USC 1681c By Law this supposed to be investigated and I found inaccuracies.
Product: Credit reporting, credit repair services, or other personal consumer reports

i sent my letter out on XX/XX/XXXX to XXXX, XXXX, Equifax. Here is my tracking numbers : XXXX - XXXX - XXXX However its been more than 15 days and the credit bureaus failed to respond. 

RE : XXXX XXXX I have recently received my credit report and noticed violations under the 15 us code 1681 and 15 us code 1681b ( FCRA ). The law clearly states the following 15 USC 1681b ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Meaning that if you do not have or have not gotten any written instructions from me ( THE CONSUMER ) to furnish an account on my report. It should not be there. That is a violation. I never gave written instructions to furnish any of the following accounts.
Product: Credit card

Sirs, this complaint is in accordance with your decision on XX/XX/XXXX-Court action taken against XXXX XXXX XXXX for selling bad debt ( CC debt ), about their engaging in unfair, deceptive, abusive acts and robo-signed affidavits to get a Judgement against consumers.. The exact scenario happened to me with American Express Centurian Bank first correspondence and ending XX/XX/XXXX, final judgment for Plantiff. The debt buyer ( Attorney ) claims he is representing American Express, when in fact, they have : # 1 - Lack of standing, the Chain of Custody has been broken, Florida law in assignment by the OC, American Express assisted third party debt buyers in deceptively collecting debts. This was a written off account refunded back to American Express, either by insurance or the IRS & deemed uncollectable. # 2. A robo-signed affidavit to sue me for unverified debts, .Their refusal of providing production, documents & proof of the custodians mire existence were met with denials, as my rights in the matter were unfair & illegal. I had prepared & studied this case before its hearing, and properly presented evidence. All of my suspicions have been proved by your decision and I thank you for invoking consumers rights Consent to publish the description of what happened?
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a few creditors on my report thats Hindering me for roughly XXXX I send it to All three of the bureaus. Only for the same student loans and private loans to be on my credit files. Ill like them to be removed ASAP. Its false information. I also will like my address to be removed as well as misrepresented of the person I am I dont want to be contacted about any loans that are not mine.
Product: Debt collection

I have asked Midland Funding to validate a collection they are reporting on my credit reports on XXXX/XXXX/16, XXXX/XXXX/16, XXXX/XXXX/16, XXXX/XXXX/16 and they have failed to provide anything that would support the fact that they are attempting to collect on a debt without an agreement or contract. Nor have they supplied anything other than a statement on XXXX of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.
Product: Credit reporting, credit repair services, 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. 
XXXX : XXXX XXXXXXXX XXXX XXXX XXXX XXXX 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 XXXXe XXXX : # XXXX XXXX XXXX XXXX XXXX & XXXX : XXXX XXXX XXXX and 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 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: Debt collection

I started to receive letters from Clear Spring about 1 year ago asking for payment of {$5300.00} with no explanation of where the debt was incurred, I have asked for signed contracts with no response, I have been fighting to get this removed from my credit reports as I can not cosign student loans for my daughters. 
I recently received a letter saying I can settle the claim of {$5300.00} for one payment of {$530.00}, this company has provided no documentation nor  contract and I am not about to settle on an account that never existed
Product: Credit reporting, credit repair services, or other personal consumer reports

PLEASE SEE THE ATTACHED LETTER THAT WAS SENT LAST MONTH TO MIDLAND FUNDING. I AM ASKING FOR VALIDATION BECUASE THIS ACCOUNT DOES NOT LOOK FAMILIAR TO ME AND I HAVE BEEN COMPENSATED FOR A DATA BREACH SO THIS MAY BE THE CASE. ALSO, I DONT SEE THAT XXXX IS LICENSED IN THE STATE OF XXXX  TO COLLECT DEBT. I CAN BE WRONG BUT PLEASE REFER TO THE LETTER AND PROVIDE THE REQUIRED INFORMATION. IF NOT, PLEASE CONTACT THE BUREAUS TO REMOVE THIS ACCOUNT FROM MY CREDIT REPORTS IMMEDIATELY. EITHER WAY, I AM EXPECTING A RESPONSE REGARDING THIS ACCOUNT.
Product: Checking or savings account

Dear XXXX, I am writing to file a formal complaint regarding inaccurate information that has been reported to XXXX  by Fifth Third Bank XXXX and the violations of my rights under the Fair Credit Reporting Act ( FCRA ). I had been a loyal customer of Fifth Third Bank for over nine years, during which I had my payroll direct deposit set up with the bank. I am extremely frustrated by the way this situation has been handled, and I am seeking immediate resolution. 

Several months before my checking account was closed, my ex-fianc gained unauthorized access to my banking information and debit card. This resulted in fraudulent charges that caused my account to go into the negative. I was unaware of these transactions until later, and upon learning of the negative balance, I promptly paid off the debt in full to resolve the issue. 

However, I have recently learned that Fifth Third Bank has reported this negative balance to XXXX, despite the fact that the negative balance resulted from fraudulent charges. As of today, XX/XX/year>, I am still being contacted by two separate collection agencies for payment. This has significantly impacted my ability to open a new checking account and has caused undue stress and financial hardship. 

I believe that the negative information reported to XXXX is both inaccurate and unjust. Furthermore, I believe Fifth Third Bank and XXXX have violated provisions of the Fair Credit Reporting Act ( FCRA ), including but not limited to : Section 1681e ( b ) of the FCRA- This section requires that a consumer reporting agency maintain " reasonable procedures '' to ensure the accuracy of information reported. By reporting fraudulent charges and a negative balance that was not of my own making, this requirement has been violated. 

Section 1681i of the FCRA - Under this section, I am entitled to dispute inaccurate or incomplete information reported on my consumer report. When I became aware of the fraudulent charges and made efforts to resolve the matter, I expected that my report would reflect accurate information. However, it appears that my dispute was not adequately handled or investigated by the reporting agencies. 

Section 1681s-2 of the FCRA - This section mandates that furnishers of information ( such as Fifth Third Bank ) investigate and correct any inaccuracies when notified of a dispute. I do not believe that Fifth Third Bank has fully complied with this requirement, which has led to the continued reporting of negative and erroneous information to XXXX. 

Due to these FCRA violations, I request that the inaccurate information be corrected, and that the fraudulent charges and related negative balance be removed from XXXX immediately. I also seek a full investigation into this matter and a report outlining the steps taken to resolve the issue. 

I would appreciate your prompt attention to this matter and request that you investigate the issue thoroughly. I am hopeful that you can assist me in resolving this situation as soon as possible. 

Thank you for your time and assistance. Should you require any further information or documentation, please do not hesitate to contact me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity theft. Per Fair Credit Reporting Act Section 605B ( a ) ( 2 ) you are required to remove any unauthorized inquiries which was opened without my knowledge, consent or authority. The following Inquiries need to be removed as they are fraudulent. 

TRANSUNION Inquiries : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX Inquiries : XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

The complaint is with Ability Recovery Service. I was involved in an auto accident in XXXX. There was a medical bill that was PAID. It went to collections by accident, and I was able to successfully dispute it, as it was already paid. Ability Recovery Services contacted me on XXXX about a medical bill that they would not fully disclose. They informed me that if I did not pay them, they would have the police come and arrest me. They also insulted me in several terrible ways, calling me a financial failure and telling me that I belong in jail for not paying my debt. I told them that I had already successfully disputed this, then they told me they would be sending the police to determine whether I was a liar. I was at work during this time, minding my own business and it really upset me because I was not expecting someone to call and talk to me like that. They keep calling and I just want them to stop. Every time, they progress with the insults. This is not even a real debt!
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the XXXX . 
Report and other furnished Lexis Nexis, XXXX XXXX, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX only address is XXXX XXXX XXXX  XXXX XXXX, oh XXXX appearing on my credit report and I am requesting that these items be removed and updated. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX  , il XXXX XXXX XXXX XXXX XXXX XXXX  , il XXXX, XXXX XXXX XXXX XXXX  , il XXXX, XXXX XXXX XXXX XXXX XXXX, il XXXX.. 

Please remove my number from my credit report thats not : XXXX
Product: Credit card

I rented a car through XXXX in XXXX on XX/XX/XXXX. I agreed to {$1200.00} and signed a contract that stated that amount. The XXXX system was down the day I was renting a car so they printed out a piece of paper and wrote the details of the rental agreement on it rather than having a printed version like you normally would have. The agent suggested we should upgrade the car size due to the baggage we have and I said only if the cost stays relatively the same. On the written version of the contract she circled a price of {$1200.00}. When I got home, I noticed a {$4000.00} charge on my chase credit card. I immediately called Chase and told them this was incorrect. They said to speak to XXXX to get this resolved. I have been working with XXXX for over a month to try to dispute this but they send me a copy of the contract that was not signed by me ( a printed version ). They are unable to resolve my case and ask me to call XXXX directly. When I call XXXX to talk about the details, they state that they can not talk to me because a case is open and they will be in touch via email. I get an emailed response stating the case is closed and to take a survey. 

I thought credit cards were meant to protect you in fradulent cases like this, but Chase is not willing to get involved.