23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

I have gone back and forth with both Transunion and XXXX credit reporting agencies. I have disputed and disputed, and they remove some things and then reinsert them again, making my score go down by over XXXX points. I do n't know what to do as the debts they are talking about are in most cases over 7 years old, and in the State of Nevada, credit card debt is only collectible for4 years. They are ruining my credit, and I ca n't get another card to pay off a high interest card with a no interest card. The new ones in question are from long ago charged off credit cards from XXXX. I am attaching a letter sent to them to inform the credit card companies of the charged off nature of the XXXX accounts. They are from XX/XX/XXXX and XX/XX/XXXX.
Product: Credit card or prepaid card

On multiple occasions I contacted netspend about activating a prepaid card I had purchased and on the 2nd day when the customer service hours were activated I spoke with multiple rep 's and managers and was made aware of another card that had been activated without my consent. During these phone calls I told the representatives that I had active at this time fraud alerts on all my information and public reports and why didnt they follow such guidelines laid out in the reports or contact myself on the phone number placed in the alert. I was given no direct answer to these questions and when asked if I needed to send a fraud affidavit over I was told no no no and no until the 4th day on a Saturday that I needed to. I had spoken with a manager the night before who stated she submitted a request and it wouild be processed on Saturday the next day to unlock the card and once again no, no fraud affadavit would be needed. Saturday came and I spoke with XXXX who stated there was nothing anyone at that time could do and she would be submitted a fraud claim against the other card that was preventing this one from being activated. I asked why couldn't I activate this one without any online features and she stated once again no, I wanted to do this so atleast I could have availability to the funds. XXXX was of no help and offfered no solution.
Product: Credit reporting, credit repair services, or other personal consumer reports

accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: 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. 

Account name : XXXX XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXXXXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXXXXXX XXXX XXXXXXXX, Account name : XXXXXXXX XXXX XXXX XXXXXXXX, Account name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX XXXXXXXX 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 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: Credit reporting or other personal consumer reports

The following accounts were included in the XXXX. Being included in XXXX  means the accounts have been satisfied and paid and satisfied. Since they have been satisfied, they are NOT to be listed NEGATIVELY within my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a complaint last XX/XX/XXXX and the companies responded. Some items got deleted but some are still reporting. I submitted a complain again last XXXX XXXX XXXX and it was closed immediately. I am submitting a new complaint hoping that you will now assist me regarding my concerns. There are MULTIPLE fraudulent items on my credit report. I have submitted multiple disputes and FTC reports regarding these fraudulent items on my credit report that dont belong to me. I do not have a record of doing business with these companies. I'm reaching out regarding these fraudulent items and for assistance to REMOVE them immediately.
Product: Credit reporting or other personal consumer reports

I am writing to request your assistance in resolving a distressing issue related to erroneous collections accounts that are inaccurately reporting on my credit report. I am a victim of identity theft, and these accounts do not belong to me. The two accounts in question are as follows : 1. Account with XXXX XXXX XXXX for {$210.00} 2. Account with XXXX XXXX for {$90.00} I have diligently checked my credit report and can confirm that these accounts have been inaccurately reported and are negatively impacting my credit rating. These erroneous accounts have the potential to cause long-lasting harm to my financial standing, which is of great concern to me. 

As a victim of identity theft, I have taken all necessary steps to report and address this issue, including filing a police report and working with the credit reporting agencies to dispute these inaccuracies. However, despite my efforts, these collections accounts remain on my credit report. 

I kindly request the Consumer Financial Protection Bureau 's intervention to facilitate the closing and resolution of these unknown collections accounts. A fair and just resolution would be the immediate removal of these erroneous accounts from my credit report. Removing these inaccuracies is essential to restore the integrity of my credit history and ensure that my financial future is not negatively affected by circumstances beyond my control. 

I understand the importance of maintaining the accuracy of credit reports and the potential impact on one 's financial well-being. I trust that the Consumer Financial Protection Bureau will work towards ensuring the removal of these erroneous accounts, as this is crucial to my ability to access credit and financial opportunities. 

I request your prompt attention to this matter and your assistance in resolving this issue. Your support in helping me achieve a fair resolution by removing these inaccurate collections accounts from my credit report is greatly appreciated. 

Thank you for your time and consideration.
Product: Credit reporting

The name XXXX XXXX XXXX XXXX XXXX XXXX XXXX wv XXXX is CORRECT There is another XXXX XXXX XXXX with XXXX West Virginia address on my credit report, I have never lived at this address, there is public record report of the XXXX XXXX XXXX with the XXXX address on my credit report
Product: Money transfer, virtual currency, or money service

I have attempted to contact Ameritech regarding the payments I have been submitting to them monthly in the amount of {$99.00}. I also paid them document fees that were over {$1200.00}. I have been paying this company for years and this was a complete scam because I could have done the paperwork myself. I did do the paperwork myself. All they did was send it in for me.
Product: Debt collection

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

FRANKLIN COL account position that is recently filed on this credit document has a seriously unfavorable impact on my capacity to attain a guarantee on the latest loan request, be sure to present facts that this is being reported efficiently as per the Fair Credit Reporting Act regulations. I have made many attempts to reach out to XXXX Credit Bureaus but they failed to give me any results or feedback about this concern. Please investigate and remove it from my personal credit file. Thank you.
Product: Credit reporting or other personal consumer reports

Inaccurate credit reporting due to fraudulent use of my social security number and birthday and name.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I went to apply for at the XXXXXXXX XXXX XXXX loan and XXXX XXXX mortgage loan, both companies said I couldn't get a loan because I had to many Hard inquiries on my credit report for both loans. Both loan officer said the13 Hard inquiries on my credit report was too much in order to receive loan from them. 

XXXX )XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

It is again complaint against Discover Bank. Two previous complaints were about payment of {$500.00} to XXXX XXXX when the debt had already been paid and these payments should not have been made. But now it is the opposite problem. I have outstanding debt to XXXX and {$300.00} should have been paid every month on XXXX but this month ( i.e., XXXX ) payment was not made!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am continuing to have issue with this company, and their reporting each month. For the last couple of months I have to call, and complain several times to have my account updated. I made a payment on XX/XX/XXXX and an additional payment was made on XX/XX/18, which made the account paid in full. I have paid off all accounts with this company ; however, it is still showing a balance as of today for {$9100.00}. My account is still reporting incorrectly as of XX/XX/18. On XX/XX/18 I was told by a costumers representative and a manager XXXX that my credit report would be updated on XX/XX/18 reflecting a paid in full amount. I was told it would have to be manually reported. The supervisor also stated she would submit a compliant to the credit-reporting agency. The only way this compliment will be solved is if my account shows paid off in full. This is affecting my life big time. Its showing that I owe so much money and making my debt to income ratio high. I am trying to move into a house, however the processes is delayed due to this account. I was also told I would be given a payoff letter by email.
Product: Credit card or prepaid card

On XXXX XXXX, XXXX I requested a balance transfer of {$5600.00} to pay my XXXX 's XXXX credit card. XXXX, XXXX, I noticed on my XXXX XXXX statement that my {$5600.00} had not been credited. I contacted XXXX to inquire about my payment. They asked me to send proof of payment. On XX/XX/XXXX, I sent proof of payment. XXXX credited my account temporarily pending their own research. When they researched, they found no payment received. I continued to argue with them for several months. They would credit my account pending research and then re-debit when no payment was found. On XX/XX/XXXX, I opened a complaint with you, the Consumer Financial Protection Bureau. After much research, you closed the complaint. So if you are satisfied that XXXX never received the payment, SouthState Bank must never have sent it. So I am hereby opening a complaint against SouthState. XXXX XXXX requested from Southstate the Routing number and account number to where SouthState sent the funds. SouthState only sent a reference trace number.
Product: Credit reporting or other personal consumer reports

SYNCB/LOWES, CAPITOL ONE, XXXXXXXX XXXXas not provided validation information under 12 CFR 1006-34 ( b ) ( 5 ), but yet they placed an inquiry in my consumer report.

I have not been given a chance to dispute account according to 12 CFR 1006.34 ( c ) ( 4 ) ( 1 ) Consumer agency is violating my consumer right by using false misleading, misrepresentation and deceptive means.

This Consumer agency has no authority to furnish any account to any consumer reporting agencies without providing any and all disclosures required by law, and they are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A )
Product: Credit reporting or other personal consumer reports

Regarding ACCT # ending in XXXX : In accordance with the fair credit reporting act this creditor ( XXXX  ) has violated my rights Under 15usc1681 section 602. This states I have the rights to privacy. 15USC1681 Section 604A section 2 also states a consumer reporting agency can not furnish an account without my written information. Under 15USC1666B a creditor May not treat a payment on a credit card account under an open end consumer plan as late for any purpose. 15USC1681b ( 2 ) States that any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates.

Other major violations XXXX  Card Services has made according to 15USC1681 : ( 2 ) Disclosure to consumer : ( A ) In general Except as provided in subparagraph ( B ), a person may not procure a consumer report, or cause a consumer report to be procured, for employment purposes with respect to any consumer, unless ( i ) a clear and conspicuous disclosure has been made in writing to the consumer at any time before the report is procured or caused to be procured, in a document that consists solely of the disclosure, that a consumer report may be obtained for employment purposes ; and ( ii ) the consumer has authorized in writing ( which authorization may be made on the document referred to in clause ( i ) ) the procurement of the report by that person.

In closing, I demand any and all illegal negative reporting by XXXX to be removed from my credit report immediately. I have not given my consent in writing for such reporting to be made.
Product: Checking or savings account

On XX/XX/XXXX I lost sight of my phone and my card that was on the Wallet attached to my phone. I was able to retrieve my phone back and none the less I cant even describe how happy and grateful I was until I logged into my bank account to see all the funds in my checking account has been cashed out through XXXX XXXX. A random persons name was shown as the XXXX  tag name. The name is XXXX XXXX. This person used my debit card and cashed every single dime out of my checking account. I am a XXXX XXXX employee and XXXX  trying to take care of my self and help my family out. I bank with td bank which to my knowlage theyre fdic insured. Well after trying to file a claim against the fraudulent charge that accrued in my account, I just kept Getting my claim denied even though td bank was notified when I got my card information stolen. I want this to be investigated because td bank is more than a horrible banking company I have always had problems where it would take more than the expected time for me to receive a deposit check and more of that sketchy banking system that accrued when a bank claims to be fdic ensured but in reality they are just lying to their customers
Product: Prepaid card

On XXXX/XXXX/16 I requested {$600.00} from an ATM owned by XXXX XXXX. The machine did not dispense any money. I have filed a dispute with XXXX with no results or response. 

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

I have attempted to contact XXXX XXXX XXXX many times with no satisfaction. My biggest complaint is with Transunion Reporting Agency. I sent them copies of letters, correspondence, green cards from registered mailing, all facts necessary to have this derogatory account removed from my credit report, and there response was, " the company states you owe for this account ''. We'll, of course they do, are you actually attempting to remedy this or are you simply a pit bull for companies and not consumers. Does the Fair Reporting agency know that you are blindly siding with companies against consumers? XXXX does not have this account on my record as it was not proven to be owed, but Transunion is nothing less than a XXXX  collecting as a XXXX XXXX!!!
Product: Credit card

Consistently, I've maintained timely payments for this account, ensuring they never slide into overdue status. Nonetheless, I'm uncertain about the basis for reports indicating late payment annotations on my accounts. According to 15 USC 1666b - Billing Error, adjustments ought to be made.
Product: Credit reporting or other personal consumer reports

I am submitting a complaint regarding inaccurate information on my credit report provided by XXXX. I have identified several inaccuracies that I have disputed, but my concerns have not been adequately addressed. 

Inaccuracy # XXXX : AmexXXXX  Account NumberXXXX Description : Late Payment I have made multiple attempts to resolve these issues directly with the agency, including submitting documentation to support my claims. However, the agency has not provided satisfactory responses or corrected the inaccuracies.

This complaint is based on potential violations of the following laws and regulations : 1. Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 et seq. ) : 1. Under the FCRA, consumers have the right to dispute inaccurate information in their credit reports, and credit reporting agencies are required to investigate disputes and correct any inaccuracies.

2. Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692 et seq. ) : 2. If any of the inaccuracies relate to debt collection, the FDCPA prohibits unfair practices in the collection of consumer debts.

3. Consumer Financial Protection Act ( CFPA ) ( 12 U.S.C. 5481 et seq. ) : 3. This act grants the CFPB authority to oversee and enforce compliance with consumer protection laws, including those related to credit reporting.

4. Truth in Lending Act ( TILA ) ( 15 U.S.C. 1601 et seq. ) : 4. If applicable, this act requires lenders to provide clear and accurate information about credit terms and costs.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I send a dispute letter to Experian explaining that the personal information they are reporting is erroneous including the name XXXX XXXX and the address XXXX XXXX XXXX XXXX XXXX, NM XXXX. They are refusing to delete this erroneous personal information even when I sent them a copy of my social security card, My personal ID card and a copy of my insurance statement with my name XXXX XXXX on it. Please CFPB help me with this issue because I try multiple times to dispute and they respond same.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been attempting to get a line of credit on my home for the last 45 days. Experian has a freeze on my account due to a previous breach of privacy. I was told by my loan officer that the freeze was preventing him from pulling my credit. I went online to " unfreeze '' my account and put in all my personal information and answered the security questions correctly. I had a message pop up saying they couldn't help me, and in order to unfreeze my account I would need to send in a copy of my driver 's license, utility bill, etc. I sent this information 2 day mail on XX/XX/2019. I used my tracking # from USPS,  Tracking # XXXX and confirmed it was delivered XX/XX/XXXX at XXXX to the XXXX , TX XXXX I was told to mail my personal information to. I have still heard nothing from them and my credit it still frozen. I have now missed out on the special Line of Credit rate I would've received because of their incompetency to do their job. I have also called the XXXX phone number and it's impossible to get a live person. They ask for your information AGAIN, I tell them correctly AGAIN, and get the same recording to send in my personal information and get hung up on. This is unprofessional and unacceptable. How does a company with over 1100 complaints on XXXX still be an operating business. The FTC needs to take action and shut this company down. 
XXXX XXXX
Product: Credit reporting or other personal consumer reports

To whom it may concern Im reaching out to you to get some type of resolution for my Apple Card by Goldman Sachs. I have been dealing with this issue for over 2 years and I hope you can assist. During the XXXX pandemic I received notification from several credit card companies including Goldman Sachs to assist users affected by the crisis and how they were there to assist. I had the card for a year or so with on time payment history. I reached out to goldman sachs around XX/XX/XXXX to obtain assistance from the said company above. I explained to them that I was not able to make my monthly payment that month due to reduction of hours and wanted to be placed on the program that will prevent me from going 30 days past due. My credit is one of my top priorities, so I wanted to be proactive with this beforehand. I spoke with a representative who advised they could assist and to make sure I dont go into delinquency. To my surprise I get an alert that my credit scored dropped. When I checked the alert, it was due to a miss payment from Apple card. I immediately called goldman sachs to explain to them that I was placed on a program for customers effected by covid. I was told that they would need to find and listen to the phone call and would be contacted under pending investigation. A few months later at the end of XXXX I was told they would refund the interest and that credit reporting would be updated with all 3 bureaus. Since XXXX this has not been done and it still shows a late payment for both XXXX and XX/XX/XXXX. I have called into Goldman Sachs several times the last two years to get this resolved and Ive been getting the run around every single time. I asked them where the recording is so you can hear the discussion and was told its only for internal used. I have called several times to explain whats been going on and Ive been hung up on, kept on hold, or being told to dispute it with the credit agencies. I explained to them to look at my payment history and that I never missed a payment until the rep gave told me which I now found out was the wrong information. 
Ive tried to speak with the XXXX XXXX  department and financial services regarding this matter. The representative gave me incorrect information that negatively impacted my credit. This is negligent and unfair as a consumer and the consequence is my credit history being dropped due to this. I asked a supervisor what happens if the rep gives out wrong information to a consumer that could damage their credit and was told it was nothing, they can do about that. Im reaching out in hopes that you can assist with me getting the incorrect information removed. 

Thank you so much.