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

In accordance with the Fair Credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXXXXXX XXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C. 1681 Section 604 A. States I have the right to privacy.

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

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report the report by more than seven years.

! 5 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXXXXXX XXXX XXXX ; XXXX, XXXXXXXX XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX ; XXXX XXXX  XXXX XXXX, FL XXXX ; XXXX XXXX XXXX, XXXX ; XXXX XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX  ; XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in a class action lawsuit with Ally financial for the past 6-8 mos. ( maybe longer ) and the people won, so the people were to get 2 things, a small monetary amount by check, ( which I have not received ) and since they reported wrong things on our credit report the were also to take any credit reporting from Ally financial off of all 3 reporting agencies... I see where they have removed Ally debt from XXXX but have not removed XXXX or XXXX... Please have the reporting agencies remove any bad credit from my credit report per the stipulation from the class action law suit with Ally financial.
Product: Credit reporting or other personal consumer reports

Recently I look at my credit report and noticed several on my account. this account is hurting my ability to obtain credit Its my understanding that XXXX XXXX and Equifax will investigate this account for me to ensure accuracy here is the account. I am asking you to verify as accurate : XXXX XXXX
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a notarized Affidavit to Experian via certified mail and have not been notified that a investigation has been started and or is in process.
Product: Credit card

I urge you to rectify my account without delay. Historically, I've always been punctual with my payments, and it feels unjust to face repercussions for an error not of my doing. This has become a major source of anxiety for me, and I sincerely hope for a swift resolution.
Product: Credit reporting or other personal consumer reports

Transunion is reporting incorrect information on my consumer report. The account listed as XXXX XXXX has several inaccuracies which means this account has not been verified and who validated this information as correct? Furthermore I am in arbitration with the company for this fraudulent information so I know they could not have validated this information. I demand Transunion provide the necessary documentation to me that they used to verify this account information.
Product: Credit reporting, credit repair services, or other personal consumer reports

When i checked my credit as i often do, i saw that XXXX XXXX placed a {$10000.00} and {$1300.00} collection on all 3 of my credit reports which is false and untrue. When i contacted XXXX XXXX demanding they provide me with documentation validating this debt pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, they refused to comply within 45 days. Lastly XXXX XXXX has not validated any contract that i consented or agreed to with their company. XXXX XXXX has violated my credit and reputation, i am demanding collections be investigated, removed and communication be ceased from all credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion, XXXX  and XXXX  failed to do a proper investigation regarding XXXX XXXX XXXX, and as a result kept it in on my report. By failing to do so, they behaved illegally by breaking Federal laws. XXXX XXXX XXXX committed identity theft by having it reported to all three bureaus by claiming I owe this debt when this isn't the case.
Product: Vehicle loan or lease

I paid my car note Saturday & confirmed with American Credit Acceptance on Monday my account was in good standing & given a confirmation # of the payment. The representative also sent a request for extension for XX/XX/2019 payment. 6 hours later they stole my vehicle claiming their representative didnt send the extension form. They will have not released my vehicle & are requiring me to pay the tow company additional fees for their error. My vehicle was illegally towed.
Product: Credit reporting or other personal consumer reports

Re : Missing On-Time Payment for XXXXXXXX FCU Account Number : XXXX Dear TransUnion Consumer Solutions , I am writing to formally dispute the incomplete payment history reported for my XXXXXXXX Federal Credit Union XXXX XXXXXXXX FCU ) account ( Account Number : XXXX ) on my credit report. Specifically, the payment history for XX/XX/year> is missing the " pays as agreed '' status, which inaccurately reflects my timely payment for that month. 

Under the Fair Credit Reporting Act ( FCRA ), you are required to maintain accurate and complete information in consumers ' credit reports. Section 611 ( 15 U.S.C. 1681i ) mandates that upon notification of a dispute, you must investigate and correct any inaccuracies or incomplete information. 

I respectfully request that TransUnion update my credit report to accurately include the on-time payment for XX/XX/year> for my XXXX FCU account. Ensuring the completeness and accuracy of my credit report is essential for maintaining my creditworthiness. 

Please conduct a thorough investigation and update my credit report accordingly. I expect a resolution within the 30-day period stipulated by the FCRA.
Product: Credit reporting or other personal consumer reports

My current student loan servicer is with XXXX and XXXX was my previous servicer. My student loan was transferred to XXXX from XXXX. However, XXXX is still reporting my balance that I have an open account with Experian. I have XXXX also reporting my balance to Experian too. My student debt balance is now reported as double on my credit report on Experian, one from XXXX and one from XXXX. XXXX XXXX refuse to close my balance with them and indicate it was transferred to XXXX. The double reporting of student debt has a negative effect on my credit score. 

I've attached a copy of Experian report that XXXX justified that my student loan debt is still with them.
Product: Debt collection

the information listed is incorrect. This is the second time they try to scam me out of money.
Product: Mortgage

I paid my monthly mortgage XXXX-2017, I added XXXX to be applied to my principal. They used my money for two future mortgage payments till XX/XX/XXXX, I called, the girl no understand English, I do n't speak XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an auto loan from XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX, and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late. As you can see, I have always had a stellar payment record. I tried contacting XXXX, XXXX, TransUnion, and XXXX with no successful resolution. XXXX, XXXX, and TransUnion reporting me 30 days late in XX/XX/2021. There was an error on their part. I was never 30 days late.
Product: Checking or savings account

This has been an ongoing issue with Capital one 360 checking. They are just using stall tactics to passive the CFPB and myself. They have no right to be withholding my funds like this. I am XXXX and have a family to feed and bills to be paid. Also my XXXX benefits are being withheld against the law because I get paid from the Federal government and any and all of my funds that were deposited on a monthly basis into the Capital one 360 checking account are exempt. I spoke to a gentleman from Capital one 's fraud department on XX/XX/year>. He had stated to me that he has seen Capital one 360 do the excat same as they are doing to me to hundreds of people who bank with them. Before speaking to him I had spoken with numerous representatives every day only to be cursed and hung up on. I had told one representative that I was going to file another complaint with the CFPB and she got angry and cursed me and said go ahead and file another complaint with the CFPB it won't do you any good. I have never in my life dealt with any bank in my life that has treated me this way. I have filed a complaint with the XXXX XXXX XXXX  as well against this bank. I am also going to be sending them a demand letter in the amount of XXXX because that is all the law allows in my state. I am as well going to be contacting the the Social Security Administration because they are breaking the law in the Federal Government 's eyes because my money is exempt. I would also like the social media to see all of this so they don't get involved with this bank and have to deal with being manipulated and lied to and cursed and not being able to pay their bills because this bank has no explanation or good reason to do so. I was also told that there was no fraud on my account whatsoever. My experience with this bank needs to be made public so no other persons fall victim to this bank, Thank you
Product: Credit card

My name is XXXX XXXX and I have been a loyal customer of Capital One for nearly XXXX  years and have been making payments every month paying only interest on this high interest account, which I wasn't aware of for this long. I continue making apparently interest and never seem to make any principle it seems to me! I am very XXXX with them regarding this issue and I will hire an attorney to solve this matter if that is what it takes to rectify. My balance is still over {$2500.00} and I don't even use this card .... PLEASE HELP
Product: Checking or savings account

Dear CFPB, I provided on-line instructions to Goldman Sachs Bank USA ( doing business as XXXX ) to close my CD account ending in XXXX and transfer the proceeds to my savings account upon maturity. Instead, the bank renewed the CD account into a new 5-year term. When I find out I called the bank to complain, but they would not remediate this problem. The banks systems may not be working well, so Ill have to make sure I conduct all business on the phone and get a confirmation number. 

XXXX charged me {$120.00} and Id like to be reimbursed for this because I believe that this error in renewing my account when I expressly provided other instructions is negligent at best and illegal at worst. 

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

my name is XXXX XXXX, and i am from XXXX, i was a victim of XXXX XXXX, and while i was a XXXX XXXX XXXX XXXX  my identity was being obtained, i am filing for section 605c in regaurds to support my clAIM in this matter.
Product: Credit reporting or other personal consumer reports

I noticed some unauthorized inquiries on my credit report. According to the FCRA section 605B it is illegal to report information on my credit report without my permission. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

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 listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I became aware of identity fraud when I received a debit card in the mail from an account I did not open and my employer was contacted about unemployment insurance claims. I tried to freeze my three credit reports. XXXX  and XXXXn froze without issue, but my file at TransUnion is split, and I can not freeze it or access it online. 

I reached out by phone XX/XX/XXXX to resolve the issue and was promised a callback within 72 hours, which never arrived. I tried again on XX/XX/XXXX, was promised the same 72 hour callback, which also never arrived. I tried again on XX/XX/XXXX, and again on XX/XX/XXXX, each with the same conclusion. 

I attempted to escalate the issue by purchasing credit monitoring services from TransUnion to become a customer. The service I purchased can not access my split credit file, but now the product they sold me is not performing as expected. It has a better support organization than their service center, but they still seem unable to resolve the issue, making the credit monitoring service I purchased worthless. 

I need to reach the right part of TU, but their support organization seems unable or unwilling to allow that.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am trying to get a mortgage and my lender is saying that they can't pulled the credit report and to update my address to my current address. Equifax customer service stated that it will take up to 30 days for them to update my credit profile and I don't have 30 days as I need to update this ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. On XX/XX/XXXX, the suspect opened credit card account XXXX with XXXX and accrued {$3500.00} in charges. I believe the suspect stole my mail, specifically a XXXX tax form sent from my previous employer, from a mailbox located at address XXXX XXXX XXXX, XXXXXXXX XXXX  where I lived from XX/XX/XXXX through XX/XX/XXXX. I discovered this fraudulent account on XX/XX/XXXX as I was looking at my credit report and noticed this unfamiliar bank and delinquent account. As soon as I discovered the account, I called XXXX to report the fraudulent account. I spoke with a representative in the XXXX XXXX Department, XXXX, who advised that the account was opened using the XXXX Prospect Place, XXXX address. I had not been living at this address for XXXX years when this account was applied for and opened on XX/XX/XXXX. 

On XX/XX/XXXX, I reported this theft to the XXXX XXXX XXXX Precinct, XXXX XXXX, who advised that I needed a written statement from the bank with details and information used to open the account before he could file a police report. On MayXX/XX/XXXX, I sent XXXX a letter of request for business records related to this fraudulent account, along with the FTC Identity Theft Report, my government issued proof of identity, the Fair Credit Reporting Act Section 609 ( e ), and a link to ftc.gov resource titled Businesses Must Provide Victims and Law Enforcement with Transaction Records Related to Identity Theft. 

It has been XXXX  days since I sent XXXX the letter of request for business records related to this fraudulent account and the only correspondence I have received is an XXXX of Fraud form to fill out and send back to them in order for them to investigate. My consumer rights have been violated and I demand resolution to have this fraudulent account removed from my credit files. I have taken steps to dispute this fraudulent account by reporting the fraudulent account to XXXX, disputing the account with all XXXX  credit bureaus - XXXX, Equifax, and XXXX - filing a complaint with the XXXX, as well as the XXXX  Police Department. Additionally, I have placed a freeze on my credit, set up fraud alerts, and added consumer statements with all three credit bureaus. 

This credit card account was opened fraudulently using my personal information without my consent or permission. I did not open or authorize this account. My credit report is showing incorrect information by claiming this credit card account under my identity. I demand that XXXX, Equifax, XXXX, and XXXX absolve me of all charges on the fraudulent account and all activities associated with it, and that all appropriate steps are taken to remove information about this account from my credit files.
Product: Checking or savings account

Approximately between XXXX and XXXX I banked with US BANK. I was charged thousands in late fees, overdrafts, etc. The worst thing they did however was " curing '' my overdraft charges which were more than {$2000.00} ... .so I would get the " full benefit '' of the 1st stimulus check. They said it's a loan. But I didn't ask of want a loan!!! I wanted that 1st stimulus check to pay off my overdrafts so I could stop the cycle. They also would make deposits out of order to maximize the number of fees they could rack up. That " loan '' they instigated is still in collections! It was just st wrong.
Product: Credit reporting, credit repair services, or other personal consumer reports

i am a victim of the credit karma false and misleading advertising run witch resulted in a dramatic increase in my credit score over the span of a year they advertise these credit cards saying i'm approved and once i complete the application i was denied. this happened on about 15+ occasions this again resulted in multiple hard pulls on my credit
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

So this is the third time dealing with these people... I do not know these people. They have not provided me with an original contract signed by me. They have not provided any proof proving this said debt is mine. This keeps getting deleted then re-reported by these people basically harassing me now. Put on my credit report that the person can not be found, yet placing it on my credit for a person who can not be found. I mean stating a person can not be found and I have been communicating with these people, it's not rocket science. If this happens again my attorney will be involved... tre kitchens will be contacting them next time this happens.
Product: Checking or savings account

I was scammed on XX/XX/XXXX, after a week they cleared and reopened my bank account on XX/XX/XXXX, then on XX/XX/XXXX they re froze my account and when I called they couldnt even explain as to why my account was frozen. I had multiple employees promise to call back with answers and never got a return call. By XXXX on XX/XX/XXXX they took all {$1100.00} of my va XXXX benefits, even though it wasnt even enough to cover the negative balance in my other account, they gave me not notification they were taking this money and then they locked me out of my account without warning and have still yet to contact me about the situation as of XX/XX/XXXX. Also, when I visited the branch in person, the branch manager told me they didnt do force pay with their accounts, so they never should have taken my money to begin with.