23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

I am writing to formally lodge a complaint regarding unauthorized transactions that have occurred through your service. I have always trusted your company for its secure and reliable money transfer services, but recent events have deeply disappointed me. These transactions were neither initiated nor approved by me. Upon noticing these unauthorized transfers, I immediately reported the matter to your customer service team. However, I have not received any resolution or satisfactory response. 
I trust you will treat this matter with the urgency and seriousness it deserves.
Product: Debt collection

XXXX XXXX is garnishing my {$11.00} an hour wages for a time barred business debt ( taken out with a tax is # ) in which I have payment records and income tax returns to prove it was a business debt. When I took out the credit card I asked Capital One why they did not need my social security number and they said they use the tax ID # instead for business accounts. I called the original creditor Capital One last night, and they said the debt is not showing up in their records and to fax them a copy of a statement so they can research my account. I received a notice of garnishment on XX/XX/2019 and I sent the response to the court on XX/XX/2019. My employer did not notify me that I was being garnished. I have {$540.00} left to pay bills and eat and gas the car for 2 weeks.
Product: Debt collection

The information on my credit report is inaccurate and under 15 usc 1681i ( 5 ) I need this deleted from from my credit report immediately I attached documents to support my reasoning and they also shared my info with relatives calling them and harassed them and myself The data above has not been certified to meet any specific reporting standards, and is therefore unreliable. I insist that any inaccurate, incomplete, or unsupported material be removed immediately. 

Also, see the image above for FLAGSHIP CRD ( XXXX ) XXXX ( XXXX ). Ive highlighted and circled additional areas of concern. 
When I scrutinized Balance Owed ( XXXX ) presenting {$7100.00} XXXX noticed some issues! You know that I'm a hard-working individual, but there are some things on my credit report which do not reflect the truth. The accuracy of your reports depend on how thoroughly you follow the standards set by XXXX XXXX. If I can't trust what's in my credit report, then there is no point to having XXXX at all!. This account doesn't follow the required standards, and I challenge you to prove that everything is perfect in my report! 

I was looking at Date Reported ( - ) expressing XX/XX/XXXX It is imperative that you make sure the information in your records complies with all industry standards for accuracy. I am shocked to see deviations from mandatory regulations and compliance guidelines for this account! It's clear there must be some kind of error -- please delete this account immediately! Fix things before more damage gets done. 
Upon inspecting Account Type ( XXXX ) exhibiting Installment. I believe we have some issues with accuracy and compliance regarding this account. I challenge you prove the accuracy of this account and reporting practices with proof from XXXX XXXX standards. If applicable compliance standards are not followed then my records may contain inaccurate information about myself which will affect future loans or decisions made based on those wrong assumptions. 

Viewing Date of Last Activity ( XXXX ) demonstrating XXXX You are deficient in your ability to report accurately if you can not prove compliance with federal and state regulations! I am looking for evidence that this account is compliant. Show me how exactly it meets all the requirements of current regulation?
Product: Credit reporting or other personal consumer reports

The Fair Credit Reporting Act ( 15 U.S. CXXXXe XXXX ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. CXXXXe XXXX ( XXXX ) and 15 U.S. Code XXXX. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code XXXXn, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to refinance my property so I consolidate my bills. XXXX XXXX is showing up on all three Credit Bureau as late but when looking at my payment history on their website there is nothing on there that reflects late. XXXX XXXX automatic pulls the money out of my bank account on the due day, never got a phone call, email, or letter stating I am past due.I also do not see were a late fee was ever charged. 
Because of this, it has caused me to be denied credit for inaccurate information and dropped my XXXX score by over XXXX points.
Product: Payday loan, title loan, personal loan, or advance loan

Between XX/XX/XXXX and XX/XX/XXXX I called money lion several times. I have been a member of money lion for several years. I use them for XXXX XXXX XXXX  and I have used them for their credit builder plus loans. At the end of XXXX I notice there was a XXXX XXXX XXXX withdrawal on my account and the money was put into an account that was not mine. From an institution that I have never heard of. I immediately reported this as fraud on XX/XX/XXXX. This company is the worse company ever. There is a clear language barrier and i have spent countless hours explaining the same thing to several people with no resolution. This is my credit that's on the line and i need to speak with a competent person who can assist with my account and the details of my account so that im assured that im not going to be responsible for this fraud and my credit builder plus loan is not going to be reported late. 

I was told initially my fraud investigation would take 5 days. Its been over a month and i call and follow up weekly and there is no new information. Whenever i ask for a supervisor they tell me one isn't available. After holding for an hour im told they still need to research the information on my account and someone will call me back but NOONE ever calls back. 

This credit builder plus loan reports directly to my credit and my main concern is making sure that loan does not get reported delinquent on my account. They keep telling me i need to make payment on the app and ill i need to do is reset my password. Well its no surprise that i can not reset my password because ever since my account was hacked and i reported it as such i stopped receiving password reset emails and they insist on telling me they are sending me emails and i keep telling them i can not get their emails to the email they have on file. I requesting changing the email but their telling me they can not do that either they have to use the original email with seams absurd. Today XX/XX/XXXX i spent XXXX hours hanging up and calling back praying to get someone competent on the phone who can help me to know avail. I'm told the dedicated team is working on my account and they will call me back. I'm fed up its horrible to have consumers spend hours and hours and hours trying to resolve a potential financial issue and the company completely disregard my concerns have no sense of urgency for this matter as I was originally told 5 days and its been over a month.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive disputed this account before with XXXX XXXX XXXX and each time came back as Meets FCRA standards but yet Ive provided adequate proof that shows they consistently had multiple violations. Each bureau reports a differentDate Of Last Activity which its imperative that they all report accurately because it determines the date of which the account comes off the credit report. This account has been disputed and per the FCRA XXXX XXXX is supposed to report that this account is/was disputed by consumer in which they did not and is a violation. Attached will be proof showing the violations. Theyve also sent a letter showing the contract of which they have but the contract and statement as well which is written by them has inconsistencies and inaccuracies in the contract and statement. They say the account was opened on XXXX of XXXX but state the vehicle was repossessed back in XXXX of XXXX. This is inaccurate and inconsistent of which their reportings all vary across the 3 credit bureaus. XXXX has already removed the account because of the violations and inaccuracies of which they have performed.
Product: Credit reporting, credit repair services, or other personal consumer reports

nXX/XX/2019,IsentEquifaxarequesttodeleteaninaccurateaccountonmycreditreport.Isentscreenshotsshowingthatisreportingdifferentlytoeachofthe3bureaus.Ineverreceivedaresponseinthemail,justanotificationfromXXXXXXXXthattheaccountwasupdated.However,theaccountwasstillreportingdifferentlythantheotherbureaus.InXX/XX/2019,Isentanotherletter,againwithscreenshotsincludedoftheinaccuratereporting.InXX/XX/2019,againIdidnotreceivearesponseviamail,justtheXXXXXXXXupdate.IcreatedanonlineaccountwithXXXXtoviewtheaccountinquestionandIseethatitisSTILLreportingincorrectly.

Myfrustrationisasfollows:1.Whyaretheynotsendingmemydisputeresultsviamail.

2.Howiseachbureauproperlyinvestigatingiftheyareallreportingdifferently?

3.HowcanEquifaxreportthatIwas60and90dayspastdue,butthepriormonth,Ihaveapaymentstatusof"OK''.HowcanIbe60dayspastduewhenIwasn't30dayspastduethemonthprior.

4)3.Howcananaccountbechargedoffifisnot180dayspastdue?The2monthspriortothechargeoffstatus,Equifaxisreporting"OK''forpaymentstatus.5.Whydotheylistabalanceonachargedoffaccount?

6.ThedateofthelastpaymentinincorrectThereareseveralthingswrongwiththereportingofthisaccountandEquifaxnotonlyfailedtodoaproperinvestigation,butalsoviolatedmyrightsbynotdeletingthisaccount.
Product: Debt collection

On   XXXX   XXXX   XXXX    , I contacted in writing a collection agency called  American Accounts Advisors , Inc.  a Minnesota-based Company disputing an alleged debt owed that I noticed being reported to the credit bureaus that originated by a  XXXX   XXXX  named  XXXX   XXXX   XXXX   XXXX  (  XXXX  ), which I never heard of. I requested in my letter to American Accounts Advisors for multiple information to validate their alleged claim of me owing money to EPPA with no response. My letter to the collection agency is attached to this complaint. American Accounts Advisors are reporting to the credit bureaus ( 4 ) different dollar amounts allegedly owed to EPPA, so I contacted EPPA requesting validation of any debt owed to them and they informed me that they have no records as the account was charged off. I looked up American Accounts  Advisors, Inc.  with the  XXXX   XXXX   XXXX  and they have several derogatory complaints about their practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint was the result of their non-compliance to my request and for their refusal of getting the accounts, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the FederalCredit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned accounts for they were found erroneous and unauthorized. 

XXXX XXXX XXXX XXXX Date Opened : XX/XX/2018 Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX  XXXX  Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX  Account # XXXX, 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 Section 2 : States a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

my information was exposed in a data breachon the dark web and I am XXXX of the XXXX people whose information got leaked and I want my credit report cleared Fair Credit Reporting Act ( FCRA ) promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies. There are many types of consumer reporting agencies, including credit bureaus and specialty agencies ( such as agencies that sell information about check writing histories, medical records, and rental history records ). 
Here is a summary of your major rights under FCRA. For more information, including infor
Product: Credit reporting or other personal consumer reports

I am filling this complaint again... to inform you that the following companies made unauthorized inquiries on my personal credit report. I have listed the names of the companies below, and the dates the inquiries were made. 
XXXX XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( XXXX XXXX and AMERICAN EXPRESS and XXXX XXXX ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency XXXX furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( XXXXXXXX XXXX and AMERICAN EXPRESS and XXXX XXXX ) the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, ( XXXXXXXX XXXX and AMERICAN EXPRESS and XXXX XXXX ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( XXXXXXXX XXXX and AMERICAN EXPRESS and XXXX XXXX ) Never informed me of my right to exercise my nondisclosure option. Not only that 15USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Debt collection

I was on a credit site and found a letter from CBC that shows fraud. I have a lawyer and he said thats real good for us. Thats not my debt. Look at the zeros and name of original creditor.
Product: Credit card or prepaid card

For XXXX, I received a Vanilla Visa Gift Card from my dad. As a XXXX XXXX XXXX, I decided to wait until an emergency to use my card for food and toiletries. I opened the card months after receiving it and immediately saw two issues. When I opened the cardholder, the card was STUCK in the package. There was a piece of glue/adhesive from the manufacturer that glued the card and paper package so tight that it ripped some of the card patterns off. I had to rip the package off of the card in order to get the card out of the package. Once I got the card out, I noticed that the card was missing the last 4 digits of the 16-digit card code. Even where the pattern was ripped off the card, there are no digits near the rip, the last 4 digits are just missing. I figured that it was no big deal since the CVV on the back had not been tampered with and thought that I could still use the card for physical purchases. When I went to XXXX to purchase some necessities, my card was promptly declined. I was unable to set up a pin since I did not have all 16 digits. I searched online for the default pins and every single one was a failure. Embarrassed, I had to put everything back and immediately I spoke to my father to get advice on the situation and he did not know what to do. I asked him how much money was put on the card, he told me he did not know since he deposited the change from XXXX  shopping. I asked him for an estimate he said " Maybe XXXX? '' and I asked him if he could take the card back to the merchant and get a refund. He informed me that he no longer had the receipt since the purchase was months before our phone call. I decided it would be best to call Vanilla 's customer. I called customer service 3 times on 3 separate occasions and have NEVER spoken to a human. I was sent on a loop of automated messages even though I called within normal business houses XXXX XXXX XXXX. I waited on hold forever on every single call, hoping to speak to a human, but I never did. After my last call and waiting on hold only to be hung up on, I looked online and saw that MANY people had this problem. I was referred to file a complaint with the CFPB by a user on XXXX and now I am here.
Product: Money transfer, virtual currency, or money service

I had friends and business partners try to send money and it never came to my account but on the end it popped up as completed! This happened XXXXmonths ago the price of {$300.00} and another for {$100.00} the company never reached back out to mii regarding if they fixed the issue
Product: Credit reporting, credit repair services, or other personal consumer reports

Need you to investigate the following account Account # XXXX Account name : XXXX XXXX I request you provide me proof of this alleged payment being late. If unable provide or lacking proof of this payment late, update payment history to paid as agreed never late XXXX XXXX XXXX 
Please provide me detailed description of all procedures used in your process to determine complete accuracy of information reported. Once you have finished your investigation, send me an update credit report to the address stated XXXX XXXX XXXX XXXX XXXX ny XXXX XXXX
Product: Credit reporting

There are XXXX issues that is so frustrating. I have a freeze on my credit report since 2008. However, I am receiving credit cards, and loan offers from companies. The second issue is with XXXX and Experian : Each time I want to lift the freeze from my credit report temporarily I have to send a letter, copy of my ID, bills, copy of my social security card etc., despite the fact I was issued a PIN NUMBER number and I was informed that I could remove the freeze temporarily online. Finally, it is most difficult to speak to a representative over the phone regarding such matters. It is not difficult to speak to a representative for services that the consumer reporting agency is selling such as credit tracking. 

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

Experian charges me {$24.00} a month for credit services. 

I would like to cancel my service. 

They provide NO online ability to cancel. 

When I called to cancel, I had to wait on the phone for over 20 minutes and no one ever picked up. 

So, you ca n't cancel online, and they are not adequately staffed to take cancellations over the phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

the XXXX  never investigated the Identity Theft as to the accuracy of the account, in less then XXXX hours i was notified that the account was accurate, so that didn't seem reasonable investigation, and the furnisher of the account wasn't forwarded any information i sent the XXXX  to accurately determine or with any reasonable effort, determine if the debt belonged to me
Product: Vehicle loan or lease

I ordered a payoff on my car on XX/XX/2021 XXXX XXXX XXXXXXXX XXXX XXXX the payoff qoute was {$XXXX}. During the call with the I verified that this payoff was correct and after receiving the payoff the difference would be requested from the gap insurance to pay the loan in full. I negotiated an amount of {$XXXX with the insurance company which was mailed and received by credit acceptance corp at XXXXXXXX XXXX XXXXXXXX XXXX XXXX. the gap insurance payment sent was {$XXXX} = XXXX is the total amount of both payments. Credit acceptance now claims I owe an additional XXXX payable by XXXXXXXX XXXX.as of today at XXXX am on XX/XX/XXXX. The loan is therefore paid in full and should reflect that on my credit report so that I can purchase a new vehicle. this vehicle was totaled out due to a non fault accident and Credit acceptance is causing further damages by not showing this vehicle paid in full.
Product: Credit reporting or other personal consumer reports

Capital one placed a late payment on XX/XX/year> Account number XXXX. I have never made a late payment on this account. I contacted capital one about the late payment and was told there was nothing they can do since the account is closed.
Product: Debt collection

I am extremely dissatisfied with your bureau 's failure to remove fraudulent accounts despite filing an identity theft report on Identitytheft.gov and the associated banks confirming errorsXXXX and XXXX have acknowledged errors and removed them. Your verification process raises confusion, as other bureaus complied. Other bureaus promptly removed these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX