23daVinci/CFPB_Complaints huggingface dataset:
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. Account name # XXXX 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. Also they aren't even in compliance with XXXX XXXX credit reporting. I have evidence to prove my case
Product: Consumer Loan

Hi, I had an auto loan from Valley National bank when I was living XXXX when I moved XXXX, since there are no branch locations and no online payments, I had to make payments over the phone ( for a fee ). I never recieved a statement and had limited access to online banking ( my online banking just showed balance and payment, no interest information, payoff statements etc ). When I finally decided to sell my car, the car dearshipb asked for a payoff amount with my loan account number. The bank sent me the wrong account number which delayed the sale of the car, cost me interest and on top of that I was charged a late fee. I have asked to be given a refund for the late fee or at least be given a statement, to no avail. What 's more, my online access has been terminated. The bank refuses to communicate via email, so I have a scant record of my correspondence. I have been told I need to pay in order to recieve a stement but I have n't been referred to the correct department. I feel like the bank is stonewalling me untill I give up. There are also a lot of discrepancies in the amount of interest I was charged, for example I was told my interest is XXXX per diem but I was charged XXXX dollars interest in a single month. I took this loan three years ago as a six year loan and I have made all the payments but my principle is basically unchanged from three years ago eventbough I 've been paying interest and balance simultaneously.
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 protection consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

medical debt in the amount of XXXX $ was paid for with promise of removal by ARS Account Resolution Services, XXXX XXXX XXXXXXXX XXXX, FL XXXX Payment Mailing Address : Account Resolution Services, XXXX XXXX XXXX, XXXX, OH XXXX Toll Free Phone : ( XXXX ) XXXX or ( XXXX ) XXXX XXXX has removed it immediately, XXXX and XXXX has NOT. 
this is effecting my my credit dramatically!
Product: Credit card or prepaid card

Amidst this worldwide crisis that we are facing with all that is going on, this pandemic has been carrying away the livelihood and jobs are affected by it, still, it is very important to me to have a good and positive remark on my report. I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately. 
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Product: Credit reporting or other personal consumer reports

XXXX XXXX  XXXX said the amount was {$14000.00} on my credit report it shows {$24000.00} and it went up another {$2400.00} today. I was scammed from the beginning buying a new car with XXXX miles on it. The transmission went out on the car and for XXXX refused to fix it when it was still under warranty. Their excuse was it didnt show codes on the computer.
Product: Credit reporting or other personal consumer reports

due to the data breach several Accounts were open using my information, I did not open nor authorize these opening, Leading into Collection Affecting my Credit Score.i than informed the agent of 15 USC 1681b and that the inaccuracy should be corrected. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

There is a fraudulent account reporting on my credit report. I have been a victim of identity theft and i disputed through the credit bureaus multiple times and got no correspondence. I need this fraudulent account to be removed The company name is SECURITY CREDIT SERVICES Their partial Account number XXXX Date opened XXXX BALANCE : {$14000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I SENT IN LETTERS BUT GOT NO RESPONSE ON THE FOLLOWING : I HAVE INQUIRIES THAT I DID NOT AUTHORIZED I HAVE LATE PAYMENTS THAT ARE NOT CORRECT I HAVE ACCOUNTS THAT SAY CHARGE OFF WHICH IS NOT TRUE I HAVE COLLECTION ACCOUNTS THAT I DO NOT BELONG TO ME
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  will not remove old deragotory information from my credit report. It is mor e than ten years old. The statute of limitations has expired.
Product: Debt collection

Someone used my information for a 16minute emergency room visit to a place I've never been.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXXXXXX {$0.00} XXXX XXXX XXXX  XXXX {$10000.00} XXXX XXXX {$1400.00} XXXX XXXX XXXX {$0.00}
Product: Money transfer, virtual currency, or money service

I was called by Moneytree requesting I pay I a check I have stopped payment on successfully with my bank. They claim to have cashed a check to a XXXX XXXX when the check was originally payed to XXXX XXXX XXXX. I notified them of such and they said that I am still liable for the amount.
Product: Consumer Loan

A company called XXXX worked on raising capital for my XXXX ( XXXX ). They secured and authorized a {$56000.00} loan for my company through Loanme.com. Before the loan was funded to my corp bank account, XXXX withheld {$5000.00} from the loan and Loanme.com withheld an additional XXXX % totaling {$5600.00}. The loan I received was for {$45000.00} in XXXX 2015. What I know now, is that my monthly payment on this loan is XXXX a month for 10 years totaling {$520000.00} payback. That is over XXXX dollars on a loan I never initiated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a 30 day late payment report on XXXX XXXX setup and automatic payment and they make a mistake and never charge my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

What is it going to take for experian to properly investigate? As keeper of my private information, Experian needs to acquire the permissible permission used to access my credit report in XX/XX/2017 by XXXX XXXX XXXX XXXX. Instead of listening to their money making client deny, deny, deny and only then, Experian will realize the lack of permissible permission.
Product: Checking or savings account

On Sunday XX/XX/XXXX I called to report several fraudulent charges on my account totaling over {$1500.00} and causing my account to become overdrawn. I was issued a new debit card and was told it could take 1-10 business days to refund my money. I was told the fraudelent charge had to clear before they could remove it and refund the charges. It cleared two days later and after it cleared a second, identical charge showed up under pending transactions despite that card being frozen. Wells Fargo claims suggested this would likely fall off and I shouldnt worry. Wednesday the second, identical, fraudulent charge became authorized and when I called Wells Fargo they appeared to have no idea that it was there. They added it to the existing claim. It has been nearly a week since the fraud was committed and Im accruing daily overdraft fees while scheduled payments attempt to come out of my account. Id like to know with a little more clarity when I can expect this to be resolved. Because with the holiday weekend added in, it could be over TWO full weeks that I have no access to my money. That is unacceptable. I have been a Wells Fargo customer for over a decade and Id like to be able to say that they wouldnt want their clients to be impoverished for weeks on end while they take their generous time dealing with my claim.
Product: Debt collection

My recent credit report lists accounts that were added without my permission. Please ensure these fraudulent accounts are removed and blocked at once.
Product: Debt collection

For the past several months, I have reached out to Coast to Coast in regard to a collection account they have placed on my credit. I have not been successful in getting the matter resolved which is why I have elected to file this complaint. I have no knowledge of what the account is for because I was never contacted by them- they just placed the debt on my credit. Additionally, I HAVE BEEN A VICTIM OF FRAUD. I have a police report on record- the bureaus have it and i filed a complaint with the FTC XXXX Again- I have no knowledge of account number XXXX AND I AM REQUESTING THE FRAUDULENT ACCOUNT AND IT'S FRAUDULENT PAYMENT HISTORY BE EXPUNGED FROM MY CREDIT IMMEDIATELY!!
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 : Balance : {$12000.00} Account Name : XXXX : Account XXXX : Balance : {$870.00} And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be 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 XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX 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 card

On XXXX of last year I initiated a balance transfer to cover my remaining balance in Paypal Credit ( Synchrony ) for {$2000.00} it was lost in the mail and had to file something with them and they provided me a temp deposit while they sorted it out. This check was canceled and resent as the first one appeared lost. XX/XX/XXXX I made an XXXX 24 month XXXX XXXXXXXX purchase of {$7400.00} at 0 % XX/XX/XXXX my original payment finally got deposited for {$2000.00} but Paypal used this to pay part of the Dec XXXX XXXX purchase and not the outstanding debt they still had a credit in for. I contacted the help chat several times here and was told they would escalate it several time and it would be fixed in 1-2 billing cycles. XX/XX/XXXX the remove the credit on the account leaving {$2000.00} and was adjusted to 0 % interest. XX/XX/XXXX there seems to be additional adjustments for some reason to pay off the interest free {$2000.00} and apply a new one with interest! Was told though this 1-2 billing cycles it would be fixed. XX/XX/XXXX I contacted them that there was interest and they informed me that it was older than 60 days and they can not help. they again told me they would try and escalate it and if they do anything it will show up in 1-2 billing cycles. I have done a lot with this company not just with Paypal Credit but my XXXX XXXX XXXX  my Lowes card and probably a few others. they helped me start my small business and I am sad they are not correcting such a large error the uploaded photos show. Please help rectify this mess so I just have my XXXX XXXX balance and adjust my interest on my account since it should not be there.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair Credit Reporting Act ( SELF XXXX XXXX  ACOUNT ) ( Acc # XXXX ) has violated my rights. Under 15 USC 1681 Section 602, states I have right to privacy. 15 USC 1681section 604 ( a ) section ( 2 ) Also states consumer reporting agency can not furnish an account without my written instructions.Under 15 USC 1666 ( B ) a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for an purpose.
Product: Credit card or prepaid card

I have issue with bill they sending me to pay, i open {$300.00} prepay card in XX/XX/2014with citi bank and them after while i told them to close the account, use my prepay card to cover XXXX that was pending.however they didn't fix and my name is on file now and they still sending me a bill.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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.

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.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX account # XXXX and XXXX XXXX  account # XXXX, has violated my rights. 



15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A : 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

XXXX XXXX XXXX XXXX XXXX XXXX, Massachusetts XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute the negative items on my credit report associated with my account with your company. The late payment and charge off reports have significantly impacted my credit score, and I believe that the information is not accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I would like to request that you provide me with proof that the reported information is accurate, complete, and up-to-date, as required by law. I also request that you investigate this matter and correct any inaccuracies on my credit report.

As per the Fair Credit Reporting Act, I have the right to dispute any information on my credit report that I believe is inaccurate or incomplete. I am also entitled to receive a free copy of my credit report once a year from each of the three credit bureaus, which I have already done.

I am requesting that you remove the negative items from my credit report, as they are harming my credit score and making it difficult for me to obtain credit in the future. Please be aware that failure to comply with this request may result in legal action.

Thank you for your attention to this matter. I look forward to hearing from you soon. 


Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I have discovered that certain information is inaccurate. The following item ( s ) require rectification : XXXX XXXX XXXX {$470.00} - {$130.00} open XXXX XXXX, XXXX {$810.00} open XXXX, XXXX XXXX XXXX {$1700.00} open XXXX, XXXXXXXX XXXX XXXX {$460.00} open XXXX, XXXX {$1300.00} open XXXX. Please remove this from my report. In accordance with the Fair Credit Reporting Act, I hereby request that you investigate these items and remove them from my report. I understand that you are required to verify these items with the corresponding creditor. Should the creditor fail to provide verification, please eliminate the disputed information. Pursuant to 15 U.S.C. Sec. 1681i ( a ), I expect this reinvestigation to be completed within 30 days from the date of this letter. Please send an updated copy of my credit report to the aforementioned address. As per the act, there should be no charge for this updated report. Additionally, I kindly request that you notify any party who has received my credit report within the past six months of any corrections made. Thank you for your attention and assistance in resolving this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I need to update my new address.
Product: Credit card

XX/XX/2023 - I opened a dispute, case ID XXXX with citi card for a purchase for {$9700.00} made on XX/XX/XXXX at a merchant named XXXX XXXX after unsuccessful attempts of getting a refund from the merchant for a purchase which I canceled well within the cancelation policy. 

XX/XX/2023- Citi requested additional details and proof of purchase and cancelation to show it was canceled within the cancelation policy. I provided the documentation and Citi acknowledged the receipt of the documentation. 

XX/XX/2023- Citi contacted the merchant and issued a conditional credit. 

XX/XX/2023- Merchant responded with false information that they shipped the item with no proof of shipping - no tracking number or proof of receipt. 

XX/XX/2023- Without even reviewing what merchant provided carefully, Citi resolved the dispute in merchant 's favor and sent me a letter asking me to confirm. 

XX/XX/2023 - I provided the updated and additional details of how the watch was canceled and proof of all email communications clearly showing merchant acknowledged the cancelation and mentioned they have a system issue and cant refund my money even after almost 4 months of cancelation. 

XX/XX/2023- Citibank still hasnt issued a chargeback even when it is clear I never received the item I paid for using citi card. 

At this point, I'm even past eligibility for purchase protection feature with Citi card as my purchase is older than 90 days due to Citi 's inability to resolve the dispute in a timely fashion.
Product: Credit card

I believe the account is invalid. LVNV FUNDING LLC needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to any breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. Further, the alleged account was transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed item then I require the account to be removed from my credit & their records.LVNV FUNDING XXXX and LVNV FUNDING XXXX
Product: Mortgage

they deninded a modification and state it was due to title issue however again the county and everything is showing only myself on title which was done back in XX/XX/2016 when the modification was in process. I am not understanding how when everyone/everything shows only myself on title how you can denine the modification. they did not answer this question
Product: Debt collection

There are several accounts on my recent credit report that I didnt approve and seem fraudulent. I request their immediate removal and blocking.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, there is a debt. collector with the following data : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX They reported a debt. of {$740.00} to Transunion, this information is not true, they said it belongs to XXXX  XXXX, but I don't have this account with them, neither opened and account. 

I disputed twice this information to Transunion, reporting it as fraudulent or incorrect, twice I received the following information ; DISPUTED RESULT : Disputed information was verified as accurate TransUnion investigated your dispute but did not change your information. 

After talking today to Transunion they said they requested more information about this debt. from the collection agency, but they didn't provided any information backing up the amount they are claiming. 

I did search the internet and found out there are a lot of complaints about this company scamming customers. The representative at Transunion said at this point the only way they can remove this information is, if the debt. collector accept that the information was entered by error, or if I report this to Consumer Financial Protection Bureau as a fraudulent transition.