23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I received a garnishment judgment on XXXX the XXXX. This year. From Midwest Acceptance. For a auto loan I didn't file for. They used stolen information. I don't have a vehicle from them nor would I have tried. Midwest Acceptance has stolen XXXX dollars from my pay on XX/XX/18. They used a address I have never lived at. I have filed identity theft fraud on my credit. But, they will continue to steal my money.
Product: Mortgage

I became ill in XXXX was in the hospital about 2 weeks. having XXXX it was like a XXXX my left side would not work. Went through 1 and a half year of rehab. had a frozen left shoulder. the doctors decided I had XXXX XXXX XXXX XXXX   XXXX XXXX  was not able to walk well had to use cain. Could not work.
Product: Credit reporting or other personal consumer reports

I have illegal unauthorized hard inquiries on my report that I do not recognize! 
I want them removed immediately! 
These hard inquiries are on my XXXX credit report and are in error. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These hard inquiries are on my Trans Union credit report and are illegal . 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Wells Fargo Bank Deposit check of {$230.00} I mobile deposit a check under my mothers name which was done more then once. I was told by an agent themself it shouldve been okay because if it didnt work the check would be denied. The check is from the State of New Jersey XXXX XXXX XXXXXXXX XXXX. Its a XXXX XXXX XXXX XXXXXXXX from XXXX. That both my mother and I receive. I have as well deposit checks under my own name from this program. After depositing the check I was given a negative of {$230.00}. When I asked an agent the reason WHY I was told because the check was fraud. I asked multiple times if they were aware the check was under my mothers name asked could that have been the reason.I was told No it had to do with them believing the check was fake. The check I still currently receive is not at all fake as I tried to explain.But my account was closed with me having any access at all .Now I have this on my credit which is not at all showing well on my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX Attn : Carmax XXXX XXXX XXXX XXXX XXXX Va XXXX To whom it may concern : In accordance with the fair credit reporting act this creditor has violated my rights under 15 usc 1681 under section 602 states I have the right to privacy, 15 usc 1681 section 604a section 2 also states that a consumer reporting agency can not furnish an account without my written instructions and lastly under 15 usc 1666b a creditor my not treat a payment on a credit card account under an open end consumer credit as late for any purpose. Because Carmax Has violated my right with the fair credit report act Im looking for my late payment history to be deleted, which includes the months of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX.
Product: Credit card or prepaid card

I made a payment of {$40.00} on XX/XX/XXXX, then went to pay the card off on the XX/XX/XXXX. The XX/XX/XXXX payment had not posted, so I paid the full amount showing due of {$610.00}. Instead of paying the card off, they are now saying Im delinquent even though Ive paid more than whats due. Plus, Im sure they have reported it to the credit bureaus.
Product: Checking or savings account

I already filed a complaint that TD bank closed my account and never gave me the funds that were in the account which was a large amount. Approximately a litte less than {$28000.00}. TD banks respond was that they will return the funds to Sba because it came from a ppp loan.its been over a month since td bank answered my complaint and over 5 monhs total that they been holding the funds. I reached out to sba to find out if they received the funds from TD Bank and they said No.i also reached Out to td bank specifically to the Person that responded to my complaint but i Got no response at all. SO MY COMPLAINT IS THAT TD BANK Is HOLDIND {$28000.00} OF MY FUNDS FROM MY BANK ACCOUNT THAT THEY CLOSED SINCE XX/XX/2021. I AM ATTACHING THEIR RESPONSE TO MY PREVIOUS COMPLAINT RELATED TO THIS COMPLAINT.
Product: Credit reporting or other personal consumer reports

Attached is my Drivers License, utility bill that mATCHES and my ssn card I am filing this complaint because I have been unable to access my free annual credit report through TransUnions website and mobile app, as well as being unable to file disputes on their platform. This has been an ongoing issue, and despite several attempts to log in and resolve the matter, I have been denied access to my account. 

Key Details : Attempts to Log In : I have tried multiple times to log in using my credentials, but I repeatedly receive error messages that prevent me from accessing my account. 
Customer Service : I have contacted TransUnions customer service, but no resolution was provided. [ Include specific dates, times, and the names of representatives if possible. ] Dispute Access Blocked : In addition to the login issue, I am unable to file disputes online, which is a violation of my rights under multiple consumer protection laws.

Laws Potentially Violated : 1. Fair Credit Reporting Act ( FCRA ) : TransUnion is violating my right to access my free annual credit report ( 15 U.S.C. 1681g ) and my right to dispute inaccurate information on my report ( 15 U.S.C. 1681i ). Their failure to allow me to dispute errors online also contradicts their obligation to maintain reasonable procedures to ensure accuracy ( 15 U.S.C. 1681e ).

2. Consumer Financial Protection Act ( CFPA ) : Under the CFPA, TransUnions actions could be considered unfair, deceptive, or abusive acts or practices ( 12 U.S.C. 5531 ). They are failing to provide me with the access I am entitled to under the law.

3. Federal Trade Commission Act ( FTC Act ) : By not providing access to my credit report and blocking my ability to dispute errors, TransUnion is engaging in potentially unfair or deceptive practices, which is prohibited under the FTC Act ( 15 U.S.C. 45 ).

4. Dodd-Frank Wall Street Reform and Consumer Protection Act : TransUnions practices may violate UDAAP provisions ( 12 U.S.C. 5531 & 5536 ) by unfairly restricting access to credit report information and dispute processes. 
XXXX. Electronic Signatures in XXXX XXXX XXXX XXXXXXXX XXXX ( XXXX XXXX ) : If TransUnion is providing electronic access to credit reports and disputes but not making them accessible to me, they may be violating the E-Sign Act ( 15 U.S.C. 7001 ).

6. Equal Credit Opportunity Act ( ECOA ) : By limiting my ability to access my credit report and dispute errors, TransUnion may be violating the ECOA ( 15 U.S.C. 1691 ) by potentially preventing me from accessing my credit history.

7. Fair and Accurate Credit Transactions Act ( FACTA ) : TransUnions actions may hinder my ability to monitor my credit for identity theft, violating my rights under FACTA ( 15 U.S.C. 1681m ).
Product: Credit card or prepaid card

In XXXX my XXXX XXXX XXXX XXXX credit limit was reduced from {$5500.00} to {$2800.00}, after being with the company for so many years because they said I was not using my card enough. I had in XXXX a credit balance available of {$3200.00} to spend. In XXXX my statement came with a credit balance of {$540.00} available for use. This is unfair because it affects my credit score negatively, because now all of a sudden I have a very high balance with XXXX XXXX as well as affecting my purchasing power. now I am unable to make major purchases after years of reliance on XXXX XXXXXXXXXXXX XXXX promise. When I signed up for this card I was not told that this was their policy, and if it is, it should be forbidden because it negatively affects consumers who try to maintain a decent credit score in these very tough economic times. I have spent over the years more than {$10000.00} with XXXX XXXX XXXX XXXX, I never expected this!
Product: Credit reporting, credit repair services, or other personal consumer reports

see ftc FCRA violations : XXXX XXXXS XXXX XXXX  Original creditor : XXXX XXXX {$410.00} Balance updated XX/XX/2021 2021
Product: Debt collection

XXXX is reporting medical debt on my credit report that is now against California XXXX XXXX XXXX XXXX law. 

California Accts Svc # XXXX
Product: Credit card or prepaid card

I pay on this card on time every month and this is the second time they have lowered my available spending amount. I hardly use the card and it has a balance that was close to {$3000.00} dollars as I purchased a washer and dryer in XXXX. My balance now is {$1400.00} and today I received my second notice they are lowering me available balance to {$1500.00} because I don't have any real estate, accounts with high balances, and it's taking me to long to pay off my credit cards. I was lead to believe paying off credit cards negatively impacts ones credit score and for this card, which I haven't used in over a year, would be significant paid down based on the original credit line. I believe this company is intentionally causing me to have credit problems for absolutely no reason. As I said, I pay all of my credit accounts on time every month and I do not want a mortgage or a car note with inflation the way it is and gas prices here in Nevada are not going down. I am filing this complaint because this vicious action is going to impact my credit score and it's unfair and should not be allowed. I pay on my accounts, all of them. ON time, every month.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several negative items on my report that I strongly believe are not accurate. I therefore submitted a dispute requesting an investigation and a response into these issues. That dispute was sent out on XX/XX/2020 and I never received any reply. I then sent a follow-up dispute on XX/XX/2020 and XX/XX/2020. It is now XX/XX/2020 and I still have absolutely nothing. No investigation was undertaken, no verification was made, and no response was sent. I have a legal right to all these things and the bureaus have a legal responsibility to respond to my disputes. This is not a delay : this is negligence on the part of all 3 bureaus, enabled by the disastrous dismantling of regulation by you, the CFPB, in regard to the bureaus ' legal requirement to respond to a dispute within 30-45 days. There is no good faith effort by XXXX, Experian or XXXX to resolve anything. Data has also been released showing a 550 % increase in complaints to the CFPB about this very issue compared to this time last year. All 3 bureaus ; XXXX, Experian and XXXX, must be held accountable and to the standards clearly outlined in the FCRA.
Product: Credit card

In XXXX 2016, I opened a Citigold checking account with a promotion code I had received. The promotion promised an award of XXXX XXXX XXXX AAdvantage ( R ) miles upon completion of {$1000.00} in qualifying debit card purchases and one ( 1 ) or more qualifying bill payments for two ( 2 ) consecutive calendar months, with all requirements to be completed within sixty ( 60 ) days of account opening. 
After completing the requirements XX/XX/2016, I messaged Citibank via their online secure messaging system to check on the status of this promotion that I was enrolled in and had met the requirements. 
As of the date of this complaint, my AAdvantage miles have still not been rewarded. I note that the terms and condition of the offer state that " The AAdvantage ( R ) bonus miles will be credited by Citibank to your AAdvantage ( R ) account within 90 calendar days from the date when you completed all offer requirements. '' Under the terms and conditions of the promotion, I am eligible for the promotion : I am a Citi ( R ) / AAdvantage ( R ) credit cardmember who received the promotion, I am over XXXX years of age, and I had never before held a consumer checking account with Citibank.
Product: Debt collection

MIDLAND CREDIT MANAGEMENT XXXX XXXX XXXX XXXX Account : XXXX 15 USC 1681 section 602 A States I have the right to privacy. USC 1681 section 604 section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 more than seven years. 15 USC 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any consuming reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate I HAVE NEVER given authorization nor permission to report to credit nor do i have an account with this agency! My rights has been violated and they are in violation according to the statutes mentioned above
Product: Credit reporting, credit repair services, or other personal consumer reports

My Discover card was taken and used without my knowledge to buy womens clothes Discover is trying to make me liable for this balance and has turned it into my credit t report affecting my credit score.
Product: Debt collection

There is an account reporting on my credit report that does not list the name, address, or telephone number of the furnisher it just lists the account # XXXX open date of XX/XX/XXXX, the balance of {$110.00}, and notes that remark that this is a medical debt. According to my research each company that reports to your credit report should provide the consumer with information to contact them.On XX/XX/XXXX I sent a letter to the credit bureau to notify them that this was an unknown account without credit contact however I have not received any response from the credit bureau and the account continues to report inaccurately on my credit report. Please see the attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

I FILED A DISPUTE LAST XX/XX/21 WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATION IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER XXXX DAYS. I FILLED A XXXX DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE.
Product: Credit card

I already have a report filed on here. That really lowered my credit score and me super behind. I am just trying to find any grant, program, or funding I can. I was a passenger in a XXXX XXXX XXXX XXXX  in 2019 and Ive been medically unable to work. I had a XXXX XXXX XXXX and all sorts of other medical conditions. I have not been able to catch up and Im drowning. I just had the XXXX hearing and the lawyer said it went good. But I have a XXXX XXXX XXXX and I dont know what to do. I also has identify theft recently and I just havent been able to catch back up. I have multiple cards that Ive just been trying to survive on. Its been over 4 years and Im just done with the hearing. I will add the others here. I had fraud with the SAME XXXX account ( XXXX XXXX ) not total identity or my credit but I called and reported it. Someone called me saying it was them and I didnt even say one word and they had my account balance, interest rate, when my payments were and zip code. They are sending a new card. The other one I have is XXXX or XXXX XXXX XXXX. Then a XXXXXXXX XXXX also XXXX XXXX
Product: Credit reporting

My wife and I had to short sale a house through XXXX which was done successfully on XXXX XXXX, 2010. This company was purchased by XXXX XXXX who claim they have no record of the transaction and referred us to their debt collection company, XXXX, who claims they have no record of the transaction. XXXX 's entry on our credit report says foreclosure not closed. The entry of forerclosure not closed or short sale prevents us from refinancing our house even though we have very good credit. Equifax does not have a clear way on their web site to dispute an entry. Please advise.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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 TILA US Code 1666B since I was never late.

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX  - XXXX. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Product: Credit reporting, credit repair services, or other personal consumer reports

The education loans have been completely discharged and should not be reporting over 10 times.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against TransUnion regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX XXXXXXXX XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX and XX/XX/XXXX Nature of Complaint : On XX/XX/XXXX, I submitted a dispute to TransUnion disputing a late payment reported by XXXX XXXX XXXX XXXX I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : My payments were made on time, as evidenced by bank statements and payment confirmation receipts, which clearly show that the payment was processed before the due date. 
Despite providing this evidence, the late payment was incorrectly recorded on my credit report. 
Even though I followed the correct dispute process per the Fair Credit Reporting Act, TransUnion, XXXX, and XXXX have failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, TransUnion has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report.

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being.

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX
Product: Debt collection

I don't believe the debt is mine. I tried to work out with original creditor without cooperation from XXXX XXXX XXXX. I got a letter from Outsource Receivables demanding payment for a debt I disagreed with. I responded trying to validate the debt and asked for original contract with signature. I asked for payment history. I also asked for some type of proof of ownership of debt or assignment of debt. I never heard from Outsource Receivables nor XXXX XXXX XXXX again. I assumed with their failure to respond the matter must have been closed. I then pulled my credit report to discover Outsource Receivables had reported false information to the credit bureaus without complying with regulations under the FDCPA
Product: Payday loan, title loan, or personal loan

This company continues to harass me via phone, personal cell and work phone. 
In XXXX I called in to make a payment arrangement with one of the associate for XX/XX/XXXX to make XXXX payment, I explained i will be late and why and was told okay to the arrangement. I then two days later start to receive back to back calls and voicemails to call the office. I then get calls on my work line starting XXXX. I involved the associate to not to call my call and that they could continue to call my cell and I will improve my communication being that i also work the same hours as their business. I asked to speak to the manager during the same and also asked her to notate to never call my employment, she also confirmed that she will. In XXXX I am now still receiving calls at my employment. I am harassed on my personal number with rude and unprofessional comments from the associates in the office. It takes a strain on my mentally and at my employment with the personal calls.
Product: Credit reporting or other personal consumer reports

I have disputed inaccurate information with the credit bureaus and have yet to get any updates from them regarding this manner. It has been well over 30 days since I have contacted them and I have yet to hear back from them. I sent letters off to them on XX/XX/year>. I feel like I am being taken advantage of and that my situation is not being taken seriously. According the FCRA any accounts that are unverifiable and inaccurate must me removed immediately. I also was impacted by the XXXX data breach. If this matter isn't resolved I will be forced to file litigation due to the stress this is causing me. Thanks for your help with this matter.
Product: Money transfer, virtual currency, or money service

PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months they just give me automatic answers, but I just remembered I could file a complain as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently for my freelance jobs as XXXX. My paypal email is XXXX. Thanks!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : {$5500.00} XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXXXXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXXXXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry XXXX XX/XX/XXXX XXXX XXXX  XXXX Inquiry Date XX/XX/XXXX XXXX  XXXX XXXX  Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry XXXX XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX  Inquiry Date XX/XX/XXXX XXXX XXXX  Inquiry Date XX/XX/XXXXXXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXXXXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX  XXXX Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX