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

Under 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 XXXXXXXX {$12000.00} XXXX  XXXX {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX {$1200.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I looked at my Transunion credit report on XX/XX/XXXX, and noticed some incomplete and inaccurate things. According to the Fair Credit Reporting Act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about who the report relates according to 15 USC 1681 ( e ) ( b ).

And according to15 USC 1681 1i5 they are supposed to do this ( 5 ) Treatment of inaccurate of unverifiable information ( A ) In general, if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that the information has been modified or deleted from the file of the consumer.

According to 15 USC 1681s-2, they are supposed not to 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

My name is XXXX XXXX. SSN last XXXX XXXX. Originally, I have leased a XXXX XXXX XXXX for 36 months. After that I had a 6 more months extension. All 42 payments were made on time. Now XXXX XXXX XXXX presents my already closed account in XXXX of XXXX, as a 48 Month XXXX and as delinquent. I have never signed for a 48 Month XXXX with XXXX XXXX XXXX, it's a lie. XXXX XXXX XXXX must present as proof a copy of the 48 Month XXXX, signed by me. Last year, Sat, XX/XX/XXXX, I became a victim of a scam at XXXX XXXX XXXX XXXX XXXX of XXXX XXXX, California. A service advisor lied to me about the repair job of an item that was still under the XXXX 's XXXX. I caught the guy and his mechanic misrepresenting the facts and trying to load me with a payment of $ XXXX dollars. After I caught the guys, they fixed the problem in an hour. I have both copies of the Repair Invoices, showing the lie. After about a month I discovered that the car had some hidden damages, made by the mechanic : drilled holes in the tires, newly installed screw in a tire ; damages to the windshield blades. The car 's wheels and tires were covered with some kind of marks, like shapes of animals, animated characters from cartoons, like XXXX XXXX pants. I have pictures of the wheels and tires. The car was marked for further damages to be done and implemented by other mechanics in the future. I personally visited the XXXX XXXX XXXX on XX/XX/XXXX, and talked to the XXXX XXXX, XXXX XXXX. He gave me his personal business card and asked to send him an e-mail with my investigation file. I have never heard back any responses from XXXX XXXX ever. Then I filed a criminal report with the XXXX XXXX Police Department and called XXXX XXXX XXXX and explained to them the situation. After a few days, XXXX XXXX XXXX Reported my already closed account as delinquent, and as the result my Credit Score went down almost XXXX points, from " good '' to " fair ''. The credit report doesn't even show my last payment on the 42 months lease, that I made on XX/XX/XXXX, that concluded my XXXX XXXX. The car, XXXX XXXX XXXX, is criminal evidence now, until the case is resolved. XXXX XXXX XXXX started a scare campaign against me, making calls to me, sending letters, reporting my closed account to all major Credit Bureaus as delinquent. Personnel of XXXX XXXX XXXX of XXXX XXXX, California is involved in regular illegal, criminal activities, damaging cars of customers. There is no other explanation to all the marks that my car was marked with. It's a systematic approach to the business and customers. Tires of a car with an intentionally damaged tire, like in my case, predrilled, can blow on a freeway, resulting in a fatal crash. This is scary! Employees of XXXX XXXX are involved in such criminal activities!!! Shame! Here is a factual reference : XXXX XXXX XXXX Criminal Investigation Filed XXXX XXXX XXXX XXXX.
Product: Credit card or prepaid card

There was a charge on my account for a purchase that I never physically received. This charged was on XXXX XXXX, 2017. I then went on vacation and came back injured. I XXXX XXXX XXXX in my XXXX and XXXX my XXXX. During this time I was not aware or focused on the dispute due to the fact that I thought I could get in touch with the store to get a refund or at least a credit. 

Come to find out, the online store was a scam. I never received my product and now Best Buy told me that they ca n't do anything about it because I did not dispute it in a timely manner. I was injured and again, did not know the online store was fraud and I would not be able to dispute it with them. 

Best Buy then told me to fax over a written note to the investigators to further look into the matter and they would reach back out to me. This never happened. I faxed them what they requested in XXXX, and I still have yet to hear from someone.
Product: Mortgage

On or about XX/XX/XXXXI recieved in the mail 'EMERGENCY MORTAGE RELIEF 'letter explinig how XXXX get my mortage lowered, i called the number provided and started the process after speaking wit the loan spec., I BEGAN THE PROCESS I recieved and signed all paperwork required .After speakng on a conferance call with ny mortage co. and the above named co. I was insructed to send payment in the amt of XXXX in XXXX mthly payments which was at a 2 % new rate on my home. .after the last payment was sent i followed up with the XXXX XXXX only to find no longer was there any service numbers active. XXXX now XXXX mths behind on my mortage, I need help pls!!!
Product: Debt collection

I have attempted to have them verify this debt due to me not having any knowledge of these bills prior to collection. They have not satisfied the validation of the debt to show it is in fact mine or are in violation of hipaa because I did not give my permission to sell my debt to a third party if it isn't fact my debt.
Product: Debt collection

Before retiring from my Federal Job I neglected to change my email address so that I could update my XXXX account to renew my Auto Pay for 15 months. When I realized that I had over looked changing the email from my work to my home email in the mean time my XXXX Loan was turned over to collections, and not like I did it on purpose I offered to pay the two months and bring the loan current, and I was told that I could n't and they would start off-setting my Social Security and my Retirement pay, plus any other pay I get. So with the Gov. offsetting everything I get I 'm getting calls monthly, weekly, daily from CBE Group Inc to collect on a debt that is already being paid every two weeks, and every month. I have asked them to stop calling because I 'm not paying anymore that is already being taken which turns out to be almost {$500.00} a month in offset. XXXX times more than what the original loan payment was.
Product: Credit card

I would like your mediation about the payment dispute with Amazon Synchrony Bank. 
The XXXX store issued a refund for returned merchandise to the original form of payment ( XXXX XXXX ), but unfortunately, it was not reflected on my end. 
Order date : XX/XX/ The total refund issued : {$71.00} Order Number : XXXX Payment Method : Amazon Credit Card Since then, I have contacted Amazon and Synchrony several times via email, phone, and post. The initial attempt was to resolve the dispute through Customer Service. Still, as it has not been successful, I am now seeking your assistance for mediation before escalating this matter further. I canceled my Amazon credit card and closed the account with Synchrony Bank. However, I am still waiting for information about the refund. 
Your assistance in this matter is very much appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

My student loan repayment was supposed to start in XX/XX/2022 after graduating according to the XXXX representative Ive spoken to on the phone. However I learned the loans were added to my credit since XX/XX/2022 prematurely, which consequently dropped my credit score by XXXX points. I was in the process of consolidating my loans prior to the start of the repayments as we have limited income and need it be affordable. I was not expecting to start repayment until XXXX but XXXX had reported me as 90/120 days late by XX/XX/2022 which is inaccurate. I disputed this issue immediately but they did not remove it, in fact they added another 30 days late to my credit report which dropped my score even more ( again I filed the dispute in XX/XX/XXXX, and they added another 30 day late UPDATE to credit file on XX/XX/2022 which is accelerated ). My husband and I are looking to buy a home since being displaced during Covid ( loss of income ) and this derogatory credit reporting of an inaccurate student loan repayment agreement has obliterated any chance of that happening. I have always planned to repay the loans after graduating but XXXX has caused a huge issue unnecessarily and has halted any chance to thrive with this act of inconsistent reporting and in the midst of a pandemic. It seems that they have grouped me inaccurately since the dates that I have are different from the dates that they acted upon ( XX/XX/2022 was never discussed to be the start of my repayment plan, when in fact, I was on IBR plan which didnt expire until months after this, perhaps XX/XX/2022 ). I would like all derogatory credit reports from XXXX to be removed as soon as possible, so that I may put an actual plan in place while still regaining a quality of life during a stressful financial time. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've previously disputed these accounts but can still be seen from my credit report. You even failed to verify those.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX, ( XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ) that you, the TransUnion credit reporting agency XXXX XXXX information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and falseinformation consists of credit card account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This inquiry was not authorized- Please delete immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX This is an incorrect address - Please Delete immwdiately. 

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX This is an incorrect - Please delete immediately. 

XXXXXXXX XXXX XXXX - This is incorrect - Please Delete Immediately. 

XXXX XXXX - This is incorrect- Please Delete Immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

On the date below I sent all three Major Credit Bureaus the following letter to verify my account information, of which they all responded stating that the information they had on file had been investigated and verified. Information inmy credit filed could not have been investigated nor verified if one or more bureaus have conflicting opening dates and credit limits or other data incorrectly documented. 

None of the Credit Bureaus sent any information detailing or proving an investigation had been properly conducted. Especially and specifically with the following ( 2 ) accounts, XXXX Validate Account XXXX XXXX, XXXX Validate AccountXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, PA XXXX According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately. 

Name of Account Account Number Verification XXXX XXXX Validate Account XXXX XXXX Validate Account XXXX XXXX XXXX Validate Account XXXX XXXX XXXX Validate Account XXXX XXXX XXXX XXXXXXXX Validate Account XXXX XXXXXXXX Validate Account * Please remove all non-account holding inquiries over 30 days old. 


Thank You, XXXX 15 U.S. Code 1681i Procedure in case of disputed accuracy ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation
Product: Credit reporting, credit repair services, or other personal consumer reports

I was reported deceased illegally trought all 3 credit report agency unlawful activity was use on my credit report company using my name to XXXX credit or file for insurance funds stated I was reported deceased an my date of birth was illegally change incorrect information cause me to lose money XXXX XXXX XXXX XXXXXXXX XXXX so I never could contain a credit score due to this incorrect information I requested everything should be removed deleted off my report I am not deceased I am alive now I'm a victim of identity theft stolen employment funds stated of Alabama denied my employment verification received payment due to my XXXX XXXX I was born in XXXX false information to all credit bureaus force me to have no credit an lose money an benefits
Product: Credit card or prepaid card

In XXXX of XXXX, I tried to apply for a card at 0 % interest for 18 months from my bank, Wells Fargo in order to set up a new office for my business. I got the run-around for weeks because they insisted the address on my account did not match the address with the XXXX. Finally, they offered to resolve this by giving me {$10000.00} XXXX XXXX at 0 % on my already-established WF credit card for 18 months. This seemed to solve my need so I agreed. For the past 2 months I have noticed significant interest charges on this card ( over $ XXXX for a total now of over {$600.00}. ) While I had been making additional purchases with the card ( beyond the {$10000.00} @ 0 % ) I had also been making large payments to cover the new charges, along with the minimum payment for the {$10000.00} cash advance. I could n't understand why I was getting charged so much interest so I contacted their customer service. According to them, and unbeknowst to me, they had been dividing my monthly payments ( somehow?! ) towards both my new charges AND the {$10000.00} ( which was supposed to be @ 0 % for 18 mo ) rather than applying my monthly towards the higher interest ( new ) charges as well as the minimum payment on the {$10000.00} cash advance. Essentially, now, four months into my 18 months of 0 % interest, they are claiming that I have paid off close to {$9000.00} of the balance that was at 0 %, while meanwhile my accruing new charges in the amount of close to {$15000.00}. It seems incredibly unethical and deceptive for a bank to take it upon themselves to apply portions of payments to a lower-interest-rate-balance when there are higher-interest-rate charges to be paid. This was not disclosed to me and to this day I do now know how they are calculating which percentage of my payments are being applied towards the 0 % cash advance. When I spoke with them on Monday, they insisted there was nothing that could be done.
Product: Checking or savings account

Business checks that were deposited into my personal checking account at wells Fargo while I was in XXXX XXXX XXXX  This is going on over 8 weeks And its always one more day or need more information Now causing bills to be late And when accounts frozen Causing late fees and return check feed
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is listing personal information ( names, addresses, employers, phone numbers, etc ) inaccurately. 

Transunion is also listing multiple credit inquires on my credit report with most ranging from XXXX XXXX XXXX  with the highest number of inquiries being XX/XX/XXXX that were fraud and not authorized by me. I have contacted Transunion with stated information, and they responded that inquiries are " factual ''. This is NOT factual information as these are not my inquires and all of them are either through dealerships or credit unions that is not even in the state in which I am located. 

XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX 's XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

In XXXX of 2021 I reviewed my consumer report and noticed that there was information being furnished to agencies that was both inaccurate as well as damaging. I launched an initial independent investigation into several accounts listed from Wells Fargo XXXXXXXX XXXX, and XXXX and I noticed that not only were these companies furnishing inaccurate information, they were also in violation of a number of my consumer rights. I immediately notified these companies of the issues and violations and provided instructions for them to cure. They failed to do so and I was then inclined to seek resolution from the various credit reporting agencies including XXXX XXXX and XXXX in order to have these erroneous accounts removed from my consumer reports. These attempts failed and I tried again on 2 other occasions to correct theses issues. I am attaching proof of the most recent correspondence with the companies and agencies to exhibit my attempts at communicating. The letters I attached were notorized before being forwarded to the companies.
Product: Debt collection

I have tried contacting GM Financial regarding an old account I had with them for a leased vehicle. I returned the car on time and they say I owe money on over milage but they never gave me a form or contract to sign stating this. I have called and tried to request this form or contract and they say they dotn have one to give me. They also refuse to close the account on my credit report which marks me late or no payment if I dont pay them over {$400.00} a month. They do not send me monthly statements and never call or email me for payment. If I owe them money for over mileage, I need a form or contract stating this and agreeing to the terms of the payment. I have asked to speak with a manager several times, and they transfer me and I stay on hold for over an hour and still no manager comes to the phone or picks up the call.
Product: Credit card

In XXXX I applied for and received a Verve credit card. On or about XXXX XXXX, 2016 I called and cancelled the card. I never activated the card and made no payments and I was told I would therefore owe nothing on the card. Nevertheless, on or about XXXX XXXX, 2016, I received a letter from Continental Finance indicating that I had a balance of {$120.00}, with a minimum payment of {$35.00} due on XXXX XXXX, 2016. 
When I called the customer service number from the back of the card, XXXX, I was told by the automated teller that the balance on the card was {$0.00} and no payment was due. I have been unable to reach a Continental Finance representative to discuss the discrepancy between the content of said letter and the information provided by the automated teller.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of the fraudulent accounts and unauthorized inquiries listed below, which have appeared on my credit report due to identity theft. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have these items removed promptly from my credit file. 
Fraudulent Accounts : XXXX. XXXX XXXX  - Account Number : XXXX - Opened : XX/XX/XXXX - Amount : {$0.00} XXXX. XXXX XXXX - Account XXXX : XXXX - Opened : XX/XX/XXXX - Amount : {$140.00} XXXX. XXXX XXXX  - Account Number : XXXX - Opened : XX/XX/XXXX - Amount : {$110.00} Fraudulent Inquiries : XXXX. XXXX XXXX XXXX - Date : XX/XX/XXXX XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX  This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX XXXXXXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Checking or savings account

On XX/XX/XXXX I opened an account with BBVA as I was contacted by XXXX to reconsider BBVA as my banking institution. Well, I opened my account and a week later I went to withdraw funds from my account and was told my account had a hold on it and that funds wouldn't be made available as they were held due to a previous charge off. Well, I asked why would you request I open an account if I had a charge off and at which point the branch manager had nothing to say other than she would try to get the funds released and have the issue addressed. Well, I told the branch manager that the charge off would have been addressed in the bankruptcy filing from 2014 at which point she said to let her look into as she is very good at getting holds removed. Well, she calls me a few days later and states she can't get the money back to me and that I could talk to someone in her back office as to why. I know this is a deceptive practice as I didn't contact BBVA to reopen an account they contacted me and if I was forbidden to have an account with BBVA that is something they should have addressed and ensured I would not be contacted. The other issue I have is that this should have been addressed via bankruptcy and the charge off spoken of removed as BBVA was included in my bankruptcy.