23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 4 previuos employer listings that are wrong and need to be deleted and 2 previous addresses that are not mine and 1 name that is wrong and unauthorized inquiries that need to be deleted. Several accounts that do not belong to me and some marked late that are not correct and one that is marked charge off that is not correct
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2023 On XX/XX/2023, I personally called all three credit bureaus fraud departments to request that each agency verify and investigate each collections that they are reporting and remove all late payments, charge-offs, past due, closed accounts from the collections that are reported on my report. I also requested that all hard and soft unauthorized inquiries, all old addresses, employment and phone numbers that are not associated with me and my present life. To no avail! The Fair Credit Reporting Act also says that all three agencies reporting be consistent and accurate evenly across the report for each account that is reported on or about an consumer in which there are several reporting discrepancies that they have put on my account in regards to the collections account attached to the reports. XXXX, XXXX, and TRANSUNION have not fulled their duties as consumer credit reporting agencies per the Fair Credit Reporting Act and Code of Federal Regulations. 

In accordance with the Fair Credit Reporting Act these creditors ( XXXX, XXXX, TransUnion ) have violated my rights under 15 U.S.C 1681 section 602, states that I have a right to privacy. 15 U.S.C 1681 section 604, 2 states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1666-B a creditor may not treat a payment on a consumer credit account under a open end consumer credit plan as late for any reason on a collection.
Product: Credit card or prepaid card

I purchased an online airline ticket from XXXX on XX/XX/2023 by using my Comerica Bank credit card. I purchased the ticket : a ) in USD currency b ) in the USA c ) from a USA-based website Unexpectedly, when I logged into my online account on XXXX XXXX XXXXXXXX I noticed that the bank had charged me Foreign Transaction Fees in the amount of {$220.00} on the USD amount of the airline ticket. I called customer service and even though I escalated it to a supervisor, they were oblivious as to the reason for the charge and refused to reverse the fees. 

I'd like to point out that I buy tickets from THE SAME airline company IN THE SAME way, FROM THE SAME website and FROM THE SAME US location at least twice a year. I use various other credit cards, which ALSO do have Foreign Transaction Fees BUT I've never been charged ones. It was the FIRST time I decided to use this Comerica credit card. Of course, the DEFINITION of a foreign transaction fee is when one uses the card internationally in a currency that is DIFFERENT from USD. Neither of these applied in this case! Moreover, that's in violation of the terms and conditions of the card and the definition of a foreign transaction fee. 

I have receipts and confirmations, and obviously everything is in a USD dollars. It's like if you go to buy a XXXX car from a US dealership and have price listed in the USD and pay in USD via a credit card and then discover that the credit card company charged you Foreign Transaction Fees because, you see, the company producing the car is XXXX. That's would be nothing but fraud! 

Comerica Bank has illegally and against it's own terms and conditions charged me imaginary foreign transaction fees. 

Attaching confirmation printout and one of the passengers ticket receipts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this complaint to Equifax, around XXXX or XXXX i talked to an Equifax representative and asked what was going on with my account because my home loan officer said there was a freeze on it. She was able to pull my other 2 credit bureaus which were XXXX and XXXX but for some reason Equifax wasnt showing up. The representative from Equifax told me i needed to prove my identity so i sent information requested which was name, dob, SS and cover letter.They later sent me a post card on the mail saying they were unable to locate a credit file. I however have 3-4 credit lines open i have credit with XXXX and XXXX and the only one that doesnt show anything is on Equifax. I have credit cards with First Tech which is my auto loan. I have Capitol One which is my credit card and also XXXX my furniture store. I am not getting any clear answer from Equifax other than to show proof of my identity which i already did. I also talked to my credit lenders to see if they were reporting my credit information to Equifax and they all said yes. XXXX XXXX, XXXX and XXXX XXXX are currently investigating the issue with Equifax. I am purchasing a home in about 2-3 weeks so i need to fix this as soon as possible so my home loan officer is able to pull my 3 credit files. At the bottom i will send an attachment with my credit information.
Product: Money transfer, virtual currency, or money service

Tried sending {$900.00} to my mother in the XXXX XXXX. XXXX local carrier failed to deliver the money, then claimed that the money was never sent. I contacted XXXX  at least four times, asked to cancel the transaction, but they have failed issue a refund. Contacted their finance department, they simply hang up. Asked to escalate my case to a manager, they place me on hold for over an hour until I am forced to hang up. Every time I talk to a customer service person, they only tell me they see that the transaction was canceled and that they can see it canceled there's nothing else they can do, that I need to talk to my bank. Called my bank, they stated I have not receive a refund from XXXX.
Product: Credit reporting or other personal consumer reports

I was reviewing my credit reports and found multiple accounts with conflicting information between the 3 credit bureaus for the same accounts that list different account numbers, date of last activity, last payment date, balance, account status, and original balance. I am requesting that all information for the accounts listed below be provided in writing to me which includes but not limited to : the original contract with my wet signature, full transactional history from date of opening to present or closing of the account, any other documentation that was use to verify the account as being accurate. 

Under 15 U.S. Code 1681e ( b ) ACCURACY OF REPORT : 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 whom the report relates. I know that under 15 U.S. Code 1681i ( a ) ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if after any reinvestigation under paragraph ( XXXX ) 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 information that the information has been modified or deleted from the file of the consumer. 

If you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below : I have attached a copy of my ID for identity verification and a bill for address verification. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

My privacy rights are safeguarded by laws established by Congress to protect consumers. Allowing unauthorized access to my financial data not only violates federal laws but also infringes on my constitutional rights, resulting in significant harm and distress
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted several disputes to Experian regarding XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX. All these accounts are closed on my credit file and are reporting negatively. Experian is constantly stating the accounts were VERFIED/BELONGS TO ME, and the creditors have not provided any VALIDATION OF THESE ACCOUNTS. Also Experian has not provided me with any VALIDATION OF THESE ACCOUNTS. Experian constantly sends me an updated credit report that these accounts BELONGS TO ME. I requested from Experian what did the company VALIDATE with them, and I have repeatedly been ignored. Experian and the listed companies above have refused to provide a VALIDATION WITH A CONTRACT SIGNED BY MYSELF.
I received two notifications from XXXX and XXXX XXXX XXXX to remove from my credit file. Please see attached.
Product: Debt collection

Diversify consultant has been calling me numerous times every day regarding the dept that I did not owned. I know I had a very clean and good credit records. They asked me to release my personal information and I denied. I requested them to remove my phone number from the list but they still continues call and harrash me. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

15 U.S.C 1681 Secrion 604 A Section2 : it also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit card or prepaid card

Two fraudulent account named XXXX XXXX were opened with my information at Lowes and XXXX XXXX. In both cases, I contacted the stores when I received a notice about these accounts in the mail at my home. For the Lowes account, in XX/XX/XXXX I called the store that items were ordered from and told the store that I did not order them. Then for the XXXX XXXX account, I called again in XX/XX/XXXX as soon as I got the letter about the accounts being opened and was also told that it was a mistake and not to worry about it. Now, two months later I have many bills from both stores and they both say that they have my information including ID that was used to open the accounts.

Lowes : They said that my claim for fraud was not valid and the amount is {$9700.00} XXXX XXXX  : My fraud claim was re-opened and the amount in question is {$4800.00}
Product: Debt collection

Good morning. 
I was not seen here. 
Please provide proof. : )
Product: Credit reporting, credit repair services, or other personal consumer reports

On or around XX/XX/XXXX my XXXX  XXXX card ending in XXXX opened in XXXX the account went delinquent, according to the FCRA an account XXXX only stay on record XXXX from original date of delinquency Transunion continues to report and deleted oldest pay history this keeping the account on my report On XX/XX/XXXX after Transunion couldnt resolve I sent it to capital one they returned a letter with no correction I sent yet another request on XX/XX/XXXX and again no resolution Im asking CFPB to demand that XXXX XXXX delete this account from my Transunion bureau since the original delinquencies exceed 7 year period
Product: Vehicle loan or lease

had vehicle repaired around late XXXX didn't get my car back till about XX/XX/XXXX. was told they would reimburse me later ... at end of lease called Hyundai asked how much do I owe total ... I paid the amount that I was told paid over the phone .... I brought my car in on that Saturday they said they didn't have anyone to take car for that day could I bring it back that Monday I did that ... then I called about about my reimbursement ... I was informed that it was to late because vehicle was returned ... then I received a call stating I owed money for not buying another car from them ..I explained I was never informed about that ... and I had paid for everything in total and had already turned the car in ... .. I never was late or missed a payment ... they been messing my credit report ever since ...
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX  Account # XXXX, Account name XXXX XXXX XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Mortgage

I was foreclosed on by XXXX on XXXX 2017 and I did not receive any notice. I only received an eviction notice for XXXX/2017.
Product: Credit reporting

Utilizing My Fico I pulled my XXXX bureau report as I do annually to check my credit. There was a collection reported from XXXX XXXX. I called XXXX as I have a current account with them, and they explained that they did not transfer the account correctly when I moved XX/XX/XXXX, despite my account email and login remaining the same. I just transferring service to new address, it was not a new account and I continued to pay my bill on my account as I always did. They did not send this information to our new address either. I never received notice of an issue. I paid the balance and confirmed that my account was correct and current, that any further issues were resolved. I spoke with XXXX confirmation # XXXX. I was unable to dispute with the credit bureau because I keep having issues with their systems. This collection was a transfer mistake made by XXXX as my account has remained with them as long as I have been a customer and I pay every month, it is an issue they had when I moved and they agreed it should be removed but told me the credit agencies needed to do it.
Product: Credit reporting or other personal consumer reports

I am being violated by Transunion, XXXX XXXX XXXX credit bureaus under 18USC1514 ( d ) ( B ), 18USC873, 18USC4, 18USC241, 18USC242, 18USC247 ( a ) ( 2 ), 18USC912, 18USC1661, 18USC2325, 2326, 2327, 2328, & 42USC408!
Product: Checking or savings account

On 2024 XXXX, Bank of America closed my checking account without telling me why they did that. All my money ( around {$25000.00} is in the accounts, and I need to pay tuition and basic daily needs.
Product: Payday loan

Speedy Cash made a hard inquiry on my credit report with XXXX. 
I did not authorized anyone employed by XXXX XXXX to make an inquiry and view my credit report. They have violated the Fair Credit Reporting Act Section 1681b ( c ). They are not legally entitled to make the inquiry. This is a serious breach of my privacy rights.
Product: Credit reporting or other personal consumer reports

Sent this letter to Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Re : Alleged Original Creditor : XXXX XXXX XXXX Alleged Original Credit Account Number : Debt Collectors Account Number : XXXX Alleged Debt Amount or Balance : {$2600.00} Dear XXXX XXXX XXXX, I was made aware of your attempt to collect an alleged debt less than 30 days ago. Please be advised that I hereby dispute the validity of the above-listed debt in its entirety. 
I request verification/validation of the alleged debt and specifically request a copy of a contract or agreement signed by the alleged original creditor and all parties to any such contract provided. Note : a billing statement, notice, or any unsigned document is not verification of the alleged debt. 
You are on notice that you are unlawfully attempting to collect the above-listed debt. Cease & desist of all collection activity including reporting to consumer reporting agencies ( CRAs ). 
Providing me the specific verification documents above shall not be deemed collection activity. Further, I request that you promptly delete any and all prior consumer reporting made to any CRAs. 
If you comply with my cease collection & deletion request, then you are excused from verification. 
If you opt to provide verification, also provide proof of the chain of title of ownership of the debt. If the alleged debt was acquired by a debt buyer, then proof of chain of title of the alleged debt must be from the alleged original creditor to the current alleged owner without any break in chain.

This letter is evidence that may be provided to the Consumer Financial Protection Bureau ( CFPB ). The CFPB is authorized to fully investigate this matter and receive any information related thereto. Be advised, if you fail to comply with this letter, I may turn the matter over to a consumer attorney. 

In accordance with the fair Credit reporting act XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights according to 15 USC 1681s - 2b of the Fair Credit Reporting Act. There are obvious inaccuracies they failed the 5 duties of a furnisher when receiving a dispute which are all violations from each credit reporting agency they are reporting to. I am demanding deletion from my consumer report or else I'm going to pursue litigation.
Product: Credit card or prepaid card

In a personal audit we found evidence that Citi Cards was charging us interest on a balance transfer that was already paid off. We have combed through years of statements and found many months where the balance transfer offer keeps reappearing on our statement with interest charges even after the card was paid in full several times. We contacted Citi Cards on XX/XX/XXXX and spoke with several people who couldn't understand the problem and finally spoke with a supervisor who said they would start an internal audit and return our call on Monday XX/XX/XXXX. He called on that day and said that they were still working on the issue and they would call within 2 days. We called again XX/XX/XXXX and they said our supervisor was out and would call XX/XX/XXXX. He did not return our call. We called again XX/XX/XXXX and they said they could not see that anyone was doing an audit and our account was locked so only they supervisor we talked to can work it. We requested a return call again. We are beyond frustrated and looking back this is a pretty substantial sum of money. No one can explain why we are being charged interest on a balance transfer that was paid off. I have attached two statements below. XX/XX/XXXX I have highlighted that the balance transfer offer 10 shows a XXXX  balance and then in XX/XX/XXXX, it is back on the card with a balance and interest charges. We believe this occurred with two seperate balance transfers over the last 3 years. There are many more examples.
Product: Credit reporting or other personal consumer reports

15 U.S.C. 1692c " If a consumer notifies a debt collector in writing that they refuse to pay a debt, the debt collector is legally obligated to cease all further communication with the consumer regarding that debt ''. EQUIFAX, Transunion, and XXXX XXXX XXXX are violating my rights as a consumer as well as federal laws. 

ACCOUNT : XXXX XXXX XXXX XXXXXXXX {$11000.00}
Product: Credit reporting or other personal consumer reports

Pursuant to the provisions of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ) and the Fair Credit Extension Uniformity Act ( XXXX ) under XXXX  XXXX, I am writing to formally dispute the inaccurate information reported on my credit report regarding the account listed under XXXX XXXX XXXXXXXX XXXX # XXXX. This account has been on my credit report for over XXXX years with several inconsistencies and errors that violate my rights under both state and federal law. I request that your agency conduct a thorough investigation into this matter, as required by law, and provide written confirmation of your findings. Issues with the Reporting Discrepancies in Dates of Activity and Verification : TransUnion reports a " Date of Last Activity '' as XX/XX/XXXX, yet the " Last Verified '' date is XX/XX/XXXX. Similarly, XXXX reports a " Date of Last Activity '' as XX/XX/XXXX but with a " Date Reported '' as XX/XX/XXXX. These conflicting timelines demonstrate a lack of consistency and reliability. Inconsistent Dispute Resolution Reporting : TransUnion states that the account is " Not Disputed, '' while XXXX reports " Subscriber reports dispute resolved - consumer disagrees. '' This discrepancy indicates failure to maintain accurate records as mandated under XXXX XXXX. XXXX ( b ). Unsubstantiated Balance Owed : The account reflects a " Balance Owed '' of {$2100.00} without sufficient evidence to support how this amount was calculated. The " Payment Amount '' is listed as {$0.00}, yet the account is reported as " Charged Off as Bad Debt. '' This is inconsistent and likely inaccurate, violating the FCRAs requirement for complete and accurate reporting. Derogatory Status Without Evidence : The " Derogatory '' status and " Collection/Chargeoff '' designation lack validation or supporting documentation from the original creditor. Additionally, no proper notice of this debt being charged off was provided, which may violate XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). Failure to Verify Information : The creditors failure to adequately validate the accuracy of the information before furnishing it to the credit bureaus violates their responsibilities under 15 U.S.C. 1681s-2 ( b ).
Product: Consumer Loan

I 've never liked the vehicle I purchased from carmax. Unfortunately, when I bought the car I was working close to XXXX hour weeks, so I did n't have time to return it within the time allotment. 

In XXXX, I went to return the vehicle and they were going to allow me to return it if I paid an {$80.00} fee. Now, they are allowing me to return it, but the new balance has increased to {$1500.00}. 

I 've been in and out of the hospital for the past XXXX months. I want to return the vehicle but I 'm afraid they are just going to screw me out of even more money if I surrender it instead of return it. 

I 've been disappointed in carmax for a while, but I do n't know how else to resolve the problem. I ca n't pay for the car or the upkeep or the insurance, and I do n't have money to file for bankruptcy ... which would be the only real option for me at this point. 

My debt is already uncontrollable. 

Please help me. 

Thank You,
Product: Credit reporting or other personal consumer reports

This has been disputed multiple times and have yet not received an update from TransUnion. I am contacting you because I have found some information that is inaccurate on my credit report. I don't believe these accounts were ever paid late as it is reported. I request that you verify the information and remove any inaccurate information from my credit report as quickly as possible. The items in question are : XXXX XXXX After doing so please provide me with an updated credit report reflecting the changes.
Product: Money transfer, virtual currency, or money service

Well Fargo in XXXX Texas, both branches, claimed to have no money to disperse.
Product: Debt collection

I do not owe PROFESSIONAL DEBT MEDIATION this debt of {$2800.00}. Even the documents I received AFTER the debt was placed on my credit report show that I do not owe this debt. I can not even imagine how they arrived at that figure. I have requested that they remove it from my credit because I do not owe it and because they posted it to my credit before first contacting me. However they changed the amount owing instead of removing it.