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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 by more than seven years.

15 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.

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 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 by more than seven years.

15 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: Money transfer, virtual currency, or money service

Greetings. 

I was traveling in the XXXX XXXX. When I was then set up and robbed at XXXX. They then XXXX me and took me to a remote location. Where they then forced me to log into my banking applications, and transfer them money to their account in the United States. They then transferred {$2000.00} to XXXX XXXX around Sat, XX/XX/XXXX XXXX XXXX. I have been trying to work with Chime to get this issue resolved but all my disputes and rebuttals have been denied. I have submitted the police reports multiple times. Please help me resolve this issue and return my funds back to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not been able to access Trans Union. It would not take my user name, SS #, or password. I have been informed by XXXX XXXX that there was a security breach. As you all know that companies that do security breaches do not inform victims of such abuse. 

I also disputed a debt and so far nothing has been done.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting wrong address I have never lived at and when I try to dispute, they want to allow me to. they want to tell you who the information came from. But the information on the address is completely wrong. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 AM HAVING PROBLEMS WITH UNKNOWN numbers and inaccurate information on my credit report please delete the following : XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX I need the following accounts deleted from my credit report they are not accurate : XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX/XXXX XXXX # XXXX XXXX XXXX/XXXX XXXX # XXXX I have never owned a XXXX XXXXXXXX account in my life it has to be one of the worst credits on the market and I would never apply for a XXXX  XXXX CARD! ALL MY LOANS ARE IN GOOD STANDING. PLEASE DELETE ALL XXXX ACCOUNTS MY LOANS ARE WITH XXXX XXXX NEVER XXXX/ XXXX.
Product: Credit card

I previously had a Home Depot credit card through Citibank. I used it a few times and paid off the balance and then didnt use it in the past year. Unexpectantly I recently received a bill from them and it appears they have transferred debt from my husbands business credit card to my account. My husband 's business has had difficulty and he has some credit cards he has not been able to pay. However his business debt is not my debt - I use my money to pay the mortgage and food bills. I tried calling the Citiback but they want me to give them my phone number, SS #, or account # just to answer my questions about the letter they sent me. I am not willing to give them any of my information as then they will give this information to their debt collectors. How can I resolve this quickly and easily. I am willing to file a lawsuit because creditors seem so evil these days. 
thanksXXXX
Product: Credit reporting or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts and delete them immediately in my report : XXXX, XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Experian already remove the negative remarks on these student loans last month ( XXXX of XXXX ). Unfortunately, the negative remarks on these student loans were re-inserted on my credit report this month. 

These are the following student loans US DEPT ED Account Number : XXXX US DEPT ED Account Number : XXXX US DEPT ED Account Number : XXXX US DEPT ED Account Number : XXXX US DEPT ED Account Number : XXXX US DEPT ED Account Number XXXX XXXX US DEPT ED Account Number : XXXX Under 15 U.S Code 1681i ( 5 ) ( B ) ( ii ) ( iii ). These negative remarks was deleted, and they reinserted them without notifying me 5 days after.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sort of done with this company. They're just a bunch of XXXX XXXX. I tried to do this with them directly but they just blow you off and don't do anything different. They don't even try to understand the issues presented before them! See attachments. I don't think I am asking for much but one of the attachments showcases their inability to understand consumers requests nor care for that matter. These are the responses they put on my credit which is not what I requested or asked for even remotely!
Product: Credit card

Our small business signed up for a business bank account. With it, came a credit card for " no additional fee '' as quoted by our Wells Fargo Banker. A year later, the card gets hit with a {$50.00} Rewards Membership Fee, a program to which we never opted in. After discussing with a representative, the program auto-renews every year without notice, and requires that the account holder call and opt-out of the program to avoid a {$50.00} annual membership fee. This is just an example of the deceiving practices still used by banks and credit card bureaus. Luckily no money was ever spent on the card, so we noticed this, but applying the automatic renewal charges like this to a business card is sneaky and an easy way for banks to collect additional revenue. The bank removed this charge " as a courtesy '' but did n't view this as it 's responsibility.
Product: Debt collection

lincoln fs threaten me says im in boiling hot water, this could mean something, and other words they say. they did not give me credit for my payment. im not doing very well, i was XXXX  also there collection department kept calling all day long after XXXX XXXX mon thru friday. my state rights where violated. lincoln will defend there people, i would not say this if its not true. also im not a liar.
Product: Credit reporting, credit repair services, or other personal consumer reports

I BEEN HAVING PROBLES WITH TRANSUNION FOR A FEW MONTHS. THEY CONTINUE TO PUT MY FILE INTO THE FRAUD DEPARTMENT AND I HAVE BEEN A VICTIM OF FRAUD. I CONSTANLTY HAVE TO CALL 4 DIFFERENT DEPARTMENTS BEFORE I CAN SPEAK WITH A REP. THE SUPERVISOR XXXX SAID THAT SHE WOULD HAVE MY FILE REMOVED FROM THE SPECIAL INVESTIGATION DEPARTMENT BUT ITS STILL THERE. I HAVE REQUESTING SEVERAL TIMES TO BE REMOVED OUT OF THAT DEPARTMENT AND PLACE IN THE REGULAR DISPUTE DEPARTMENT. ALSO THAT HAVE REFUSED TO PROCESS ANY DISPUTE I HAVE SENT BY MAIL. I AM REQUESTING THAT YOU PLEASE HELP RESOLVE THIS MATTER.
Product: Student loan

On XX/XX/XXXX & XX/XX/XXXX, I was coaxed into signing XXXX in the amounts : {$5000.00} and {$9800.00} respectively. These ( XXXX ) student loans had an interest rate of 14.5 %. Repayment began the same day funds were disbursed directly to XXXX located in XXXX, NC. 
Between XX/XX/XXXX and XX/XX/XXXX, I made monthly payments totaling {$10000.00}. However, the initial balance increased over a 5-year period. I reluctantly transferred the ( XXXX ) XXXX in the amount of {$16000.00} to my credit cards.
Product: Credit reporting or other personal consumer reports

15 USC 1 " Every contract, combination in the form of trust or otherwise, or conspiracy, in restraint of trade or commerce among the several States, or with foreign nations, is declared to be illegal. '' I have never contracted with or conducted ANY business with this company for them to have my personal information. This company has Not provided any concrete validation to either purported debt on my credit report outside of verbal confirmations while threatening and harming health and property. CFPB has failed to protect me as a consumer from identity theft, constructive fraud and financial extortion. 
I want to know : How did they get my personal information? 
Where is the contractual agreement I signed to be the surety for the purported liability?
Product: Credit reporting, credit repair services, or other personal consumer reports

I had purchased a home back in XXXX XXXX and XXXX XXXX XXXX had approved the first mortgage. I wanted to make changes around the home and decided to apply for a HELOC and was approved for the equity line. I had paid my payments on time until circumstances beyond my control left me in a financial bind. I struggled to keep my payments current and finally I was unable to keep up with all obligations. With the housing development that took place I was upside down on my property. I spoke with an attorney who explained I could short sale the house and though it was going to still be a negative reporting situation it would n't be a foreclosure and the bank would still recoup some of their funds. I gave Power of Attorney to my Attorney to handle the confusing process. XXXX XXXX XXXX XXXXid agree to the short sale but then I was informed the 2nd mortgage had to remove it 's 2nd lien to be able to do so. There was an agreement made with XXXX XXXX to remove the lien but that we would still pay them which we have. In the process of having this drawn up XXXX XXXX XXXX transferred the mortgage to XXXXXXXX XXXX. My attorney had tried to complete the short sale but XXXX would not communicate with our attorney. 
We had moved from the home and were over an hour away from the property. We were never notified that the house was being foreclosed on. My wife had driven by the house to try and complete the clearing of our items when she saw there was a notice pinned on the door indicating the house foreclosed. We spoke to the attorney and he said they did not reach out to him nor us and at no time did they try to communicate with us. 
I have tried to get information from XXXX and they still will not respond. I have disputed this with the bureaus and the bureaus have been no help. The way this unfolded was underhanded when we were only trying to do the right thing. 
I have requested records from XXXX payment history etc, and they will not respond.
Product: Bank account or service

I was searching to buy a car at local dealership and was not able to find anything decent under {$10000.00}. Someone mentioned XXXX. I went into XXXX and found a XXXX for {$4000.00}. I reached out to the seller a XXXX XXXX and we communicated through email and text. I was sent an XXXX link to go into to buy the car at the end it instructed me to go Bank of America to deposit the money. I was given a name " XXXX XXXX '' and an account number. I went to bank and made the deposit on Saturday XXXX XXXX. On Monday, I called the XXXX phone number to confir receipt and to find out when I will receive the car. The phone rang and no one answered. On Tuesday, I called XXXX directly and they informed me that they have no record of this item being sold and they are pretty sure from what explained to them that it is a scam. I immediately went to the bank to notify them and to request that they put a hold on that money the {$4000.00} until investigation is done. The bank refused. I called their fraud department XXXX times to explain what happened and to ask for help, they said that they can not do anything. I went to the police and filed a complaint with the local sheriff and the FBI and notified the bank of such actions and provided all the evidence to show the bank that this is a scam, such as the deposit receipt, the emails with the scammers, the complaints and nothing seem to appeal to the bank. Even though, they know who is the owner of the account, they know that it is a scam, they are not willing to provide any information to help in the search of this scammer and to resolve the issue.
Product: Debt collection

Victim of fraud. This is a second report of a collection company representing XXXX & XXXX wireless, placing a derogatory action on my credit report for a fraud account out of Texas. Initial report number of similar incident is FTC report # XXXX. I do not or have had a XXXX & XXXX XXXX account. 

Current collection company : Sunrise Credit Services XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX, Case # XXXX email : XXXX XXXX
Product: Mortgage

Dear CFPB, I am requesting a immediate update on my Modification on my condo. 
Called in and it seems they are not able to update after 60 days. 
Prefer update in writing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am asking for the following account to be deleted on my Credit report ; These accounts listed below does not belong to me, I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Please help me out. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

My vehicle was stolen on XX/XX/XXXX and I reported the vehicle missing to police, XXXX, and Mercedes Benz Financial Services ( MBFS ) on that date. XXXX sent MBFS a check totaling {$56000.00} on XX/XX/XXXX. I have been working with MBFS since that date to close out my account since I have been without a car since XXXX. I was told by a MBFS representative that my account would be closed out by XX/XX/XXXX. I called on XX/XX/XXXX, to check the status and advised they are running behind and to allow an addition 7-10 days for them to process. I was further told the account would be closed on Monday, XX/XX/XXXX, and to follow up for a paid in full letter on Tuesday, XX/XX/XXXX. When I reached out to MBFS on Tuesday, XX/XX/XXXX, for the paid in full letter I was advised they are still experiencing delays and to allow an additional 7-10 days for processing. I requested a paid in full letter and the request was denied because the account is not closed. I requested a manager call back to request the account be expedited and to discuss issues due to the significant delays in processing times and accountability on the previous representative 's estimated account closure dates. I still have not received a phone call from a manager " because the account can not be expedited. '' Since the account has been paid by insurance for more than 30 days I am herby demanding the account be closed, a Paid in Full letter issued, and an overpayment check be issued immediately so I can purchase a new vehicle.
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that there were inaccurate account ( s ) on my credit report Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with maximum accuracy. 

This is a violation of the Fair Credit Reporting Act, and these disputed items may not appear on my credit report if they can't be verified by any evidence or proof. 

In accordance with the Fair Credit Reporting act XXXX has violated my rights. 

XXXXXXXX XXXX  Account # XXXX XXXX XXXX XXXX Account # XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

Congress passed the Fair and Accurate Credit Transactions Act of 2003 ( FACTA ) to add identity theft protection. I have the right to include a fraud alert on my credit report if I have a good-faith suspicion that I am the victim of identity theft. The fraud alert is suppose to notify users of victim of Identity Theft. Fraud alerts are suppose to be free. I also have the right to have a CRA block information related to identity theft from being on my credit report. For example, if an identity thief has used my information to open an account and never paid the bill, I can have this blocked from my credit report. Though I must meet some conditions. If the conditions are met, the CRA has four business days to block this information from being viewed by potential users of your credit report. I have supplied appropriate proof of my identity to the CRA. I have supplied the identity theft report from a federal, state, or local law enforcement agency. I have identified the faulty information on the credit report. I provided a statement to the CRA explaining that I was not connected with the transaction ( XXXX ) involving the identity theft. TRANSUNION has failed to follow these regulations set by the Federal government. TRANSUNION ALSO HAS RECEIVED PROOF OF MY IDENTITY AND ADDRESS VIA THE MAIL AND HAVE STILL YET TO UPDATE MY PERSONAL INFORMATION INCLUDING MY PHONE NUMBER AND ADDRESS.
Product: Credit reporting or other personal consumer reports

PLEASE BLOCK AND REMOVE Could you urgently address the fraudulent inquiries on my credit report? They were not authorized by me and are causing XXXX XXXX I didn't initiate these accounts, so it's unfair for me to be held responsible. Please act promptly to resolve this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 Midland Credit Management # XXXX ( XXXX XXXX XXXX ) 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.

15 U.S.C 1692 b ( 2 ) not state that such consumer owes any debt.

15 U.S.C 1692 c ( A ) without the prior consent of the consumer giving directly to the debt collection agency may not communicate with a consumer in collection of any debt.
Product: Credit reporting

They told it was verified and it could never be verified because I did not file bankruptcy XX/XX/XXXX I filed XX/XX/XXXX my ex finance we were not married filed XX/XX/XXXX and we had a lot of debt that together but that needs to be removed at once I finally re established my credit only to have this put on and it 's effecting me getting a mortgage or a home or car please help me all other request to credit agency 's went on deaf ears
Product: Checking or savings account

XX/XX/XXXX XXXX XXXX XXXX XXXX notice from my direct deposit account {$1000.00} was removed from my account..a name showed up saying XXXX XXXX money was sent to her ..I don't know her and she is not on mu contact list... something at the bottom of app page says ..pay anybody. That's how she got XXXX report to dispute on that day the very next day ... investagation was over and they sent a email saying they found no errors and they won't return my money..Note.allow transaction was turned off so how did she get the money..k don't know her.So I open XXXX rebuttals ..each time chime say get a police report I gave to them XXXX and sent to there XXXX which they claim they never got until a supervisor said yes they did get it ... I sent a statement and a police report..one of the supervisors told me they are constantly having theft complaints at Chime ..Dispute t eam told me over and over they can't help me... they don't h Ave verbal communication with the investagation t3am.they don't know if they got the police report..I keep getting .they can't see no errors..
Product: Debt collection

I have sent letters to the credit bureaus on the following acct : National Credit Adjusters Acct # XXXX Balance : {$310.00} The account above was fraudulently opened. I am a victim of identity theft. I have sent the company a copy of my identity theft report along with the police report. I have spent time typing out letters to send both the company and the three major credit bureaus as well. I have spent time going back and forth to the post office and also finding errors on my credit report. I took time to call all three major credit bureaus multiple times. I took time filling out envelops, printing documents, and sending dispute letters. I also took time filling out certified mail forms and waiting at the post office.
Product: Credit card or prepaid card

What happened is that I bought the debit card to make a {$100.00} donation online. I loaded the card at XXXX. It is card ending in XXXX. Expiration XX/XX/XXXX. I noticed that on the back of the card it states : * No credit check. Clear, Easy to use and Simple. Buy online.. XXXX  prepaid Crd Reloadable.

This card can not be used until purchased, loaded and activated. Flip open to see fees and more. I thought I would be able to donate online and not have any issues with this card because of the verbage of having no fees and no hidden fees.

I spent about 2 hours on the phone trying to decipher why my card was saying deficient funds to the Orginization that I was trying to donate to.

I found out that there were hidden fees involved. At first, I feared someone had stolen my {$1000.00} off the card! The Agent and her Supervisor explained that there are , {$2.00} fees every time I use the card. Then I was informed that I had to go to a Loading Station.

I was furious! I told the Supervisor to refund my {$100.00} to me in the mail. Then she said, there was another way she could help. This was at or about the 2 hour of continuous, precious, time I was spending on the phone, trying to resolve this issue.

I am requesting a {$100.00} check be sent to me. I want to shut this card down. I still don't understand all the associated fees with tthis card. I don't understand the requirements to not have fees assigned either.
Product: Credit reporting, credit repair services, or other personal consumer reports

Wrong credit reporting to mu XXXX y account. accounts not open or approved by me.