23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

On or about XX/XX/XXXX I went online and agreed to a free offer but had to pay {$1.00} for handling charges. When I gained access to the site, I discovered that it was not what it was suppose to be. I called the number and cancelled the membership. I was billed twice in the amount of {$99.00} after canceling. I disputed the charges with my bank Wells Fargo, after they accepted the claim # XXXX a temporary credit was issued, then on or about XX/XX/XXXX they recharged my account for the credits and said the claim was denied because I authorized the purchase. XXXX XXXX was the claims assistance center person who denied the claim. I called the 800 number to dispute this finding and could not get XXXX XXXX, but the other person I spoke to was rude and said there was nothing I could do I made the charge. I did not authorize these {$99.00} charges, the company I tried to contact directly and was told that I agreed to these future charges I said I cancelled and they said yes but you agreed to pay these fees for other sites as a part of your membership. I did not agree to any other sites, and I am not interested in the content of these sites I told them and they said nothing we can do for you. I was charged twice the {$99.00} and only one credit was issued by Wells Fargo and then recharged only one {$99.00}. Wells refuses to accept any other disputes on this issue and I was cheated out of {$190.00} by this company with a hidden agreement to accept membership in other sites, there refusal to assist in canceling, and Wells Fargo has a Zero liability policy on all their debit cards, but will not honor these disputes and have sided with the fraud company on my agreement to have these amounts charged to my card.
Product: Debt collection

PNC is in violation of sending me text messages which is a violation of the Telephone consumer protection act. They are to cease all communications and harassment. FDCPA prohibits harassment and profane language. I have never given PNC permission to contact me in regards to this alleged debt. 

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a auto loan for a car with XXXX XXXX. I don't even own possession of the vehicle with the account they have me associated with that is still open. 
1. Account is reporting with 3 different amounts of high credit. 

If this is the same account being reported by the same creditor, why are my XXXX XXXX Account, XXXX XXXX Account, and my experian account have different amounts? 

In accordance with the fair credit reporting act XXXX  Account # 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 or other personal consumer reports

Experian credit division is reporting information from creditors that should have been removed after i filed and had my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy was filed ( XXXX ) and XXXX ( XXXX ) reference # XXXX according to bankruptcy laws the above accounts should be removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to the Credit Bureaus requesting to remove the items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c- 2 ), the Credit Bureaus are required to remove any items or information not later than 4 business days. I request an investigation and remove these items that appears in my credit report. Listed below are the items that i wanted to removed : XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/2022 ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XX/XX/2022.
Product: Credit reporting or other personal consumer reports

These accounts are unauthorized and don't belong to me. Please remove from my credit report.

1. Account Name : XXXX XXXX  Account Number : XXXX Creditor : XXXX XXXX Date Opened : XX/XX/XXXX XXXX. Account Name : XXXX Account Number : XXXX Creditor : XXXX Date Opened : XX/XX/XXXX XXXX. Account Name : XXXX XXXX XXXX Account Number : XXXX Creditor : XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX. Account Name : XXXX XXXX XXXX  Account Number : XXXX Creditor : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Incorrect Personal Information XXXX. Incorrect Employment : XXXX XXXX XXXX XXXX XXXX XXXX. Incorrect Addresses : XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX
Product: Debt collection

I contacted Premier Credit ( I have never heard of them, I was referred to them by the original creditor when I contacted them to find out what I owed ). 
I offered to pay a lump sum ( {$500.00} ) to pay it off in full ( less than current balance of {$740.00}, more than original debt of {$440.00} ) or to setup a payment plan. I was transferred to " XXXX '' an " account manager '' and he immediately told me, " my levee department is already working on freezing your bank accounts and getting your wages garnished ''. 
Now, if there is a judgement against me, I am not aware of it. I had never even heard of this company before I reached out to OFFER to pay. He refused the payoff amount and when I asked about a payment plan, he again started talking about wage garnishment! 
This debt is for XXXX State Taxes from 2012, so I do n't know if its time-barred or not, but even if it is not, I am not aware of any legal action by them against me, so he had to be lying to try to scare me ... and honestly, there is a little 1 % of my mind that is now worried my bank account will be frozen next time I go to use it.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX has been selling this file to sub companies who have been spaming my mail box and phone without my consent
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of certain accounts on my credit report that were opened fraudulently as a result of a data breach, making me a victim of identity theft. Pursuant to my rights under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request that these unauthorized items be permanently removed from my credit file.

Accounts to Be Blocked and Deleted : XXXX XXXX XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$32000.00} XXXX XXXX  o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$16000.00} XXXX. XXXX XXXX XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$32000.00} XXXX XXXX XXXX XXXX XXXX Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$11000.00} XXXX XXXX XXXX XXXX  XXXX Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$2400.00} XXXX XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$380.00} XXXX. XXXX  o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$14000.00} XXXX. XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$28000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have numerous inquiries on my credit report that I never authorized. I paid for Experian membership and can’t review my credit report. The inquiries are from companies i have not seek credit from. Experian refuses to take identity thief seriously. It’s bad enough they have let a collection agency stay on my credit report without really investigating. After the collection agency deleted the account several times Experian will not delete XXXX XXXX XXXX from my credit report. Inquiries are popping up on my credit report and i don’t understand why and who is doing it.
Product: Credit card

I was out of work for some time due to be ill and got behind on my bills. went went to XXXX relieve for help got debts reduced and paid off except Capital One They brought a Judgement against me. I went to court and they said I owed them XXXX dollars and I agreed with them. set up monthly payments payed all but XXXX dollars and was told bt capital one they were not pursuing this any more. so I asked does this judgement come of my credit they told me no because the judgement has to be satisfied first.
Product: Debt collection

These people have called multiple times. I have already told them I am the wrong person, but they keep calling me. The phone number that called me was XXXX and had an automated machine saying I had to update my business info on XXXX. I called the number back and it directed me to https : //www.portfoliorecovery.com/.
Product: Student loan

AES continues to charge me late fees. I reached out and was told someone would follow up. Of course, that never happened and now I've been charged another late fee. I refuse to pay any late fees because AES refuses to follow up with me as promised. I've been paying on this loan for over XXXX years and have never had an issue with AES before now.
Product: Debt collection

Tesla Energy Inc was contracted to install a solar system and powerwall in XX/XX/XXXX. This was installed in XX/XX/XXXX after multiple reschedules. To this date, they've had 2 failed inspections and have made zero attempts at keeping me in the loop on their progress towards a completed and approved project. Since XXXX, they have made weekly phone calls to collect debt because they marked the project complete in the system. In fact, they marked the project complete in the system in advance of the first inspection. I have verified with the XXXX county inspector these facts and he has not received any updates or progress towards a signed system.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a partial credit report from Trans Union showing XXXXXXXX XXXX credit card payment history with the date ending on XXXXXXXX 2022. The partial credit report did not show the payment history that included XXXX, and XXXX, 2022. My complaint is that my credit report shows a late payment for XXXX, and XXXX, 2022, and I did not make any late payments on those months. 

I have attached the only page of my credit history that was included in the letter I received from Trans Union. Please note that the history ends on XXXX, 2022, and does not include XXXX, and XXXX, 2022.
Product: Debt collection

Could you please confirm that the reported information is entirely accurate and can be fully verified? If you are unable to do so, I kindly request that it be removed from my credit reports immediately. Thank you!
Product: Debt collection

I am filing this complaint because THE BUREAUS has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts under Section 611 ( 5 ) ( A ) of the FCRA- they are required to. Promptly delete all information which can not be verified. Please resolve this manner as soon as possible thank you.
Product: Credit reporting or other personal consumer reports

In Accordance with the Fair Credit Reporting Act XXXX Account Name XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX  ), Account Number 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 an account without my written instructions.
Product: Credit reporting or other personal consumer reports

I sent out XXXX letters and submitted online. I requested the method and communication, and if accounts was verifed like it said then update payment on accounts. Then accounts was moved around, and now company placed XXXX  hold on my report, plus I have to pay for the numeric score.
Product: Debt collection

The company calls my relatives almost daily, as well as myself, using threatening language as well as threatening to garnish my wage and call my employer, etc. The amount is for {$2600.00} please refer to the law 15 U.S.C 1692c ( C ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt This is also keeping me from being able to rent an apartment or buy a house
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been going back and forth with a company name XXXX  # XXXX for {$3200.00} start reporting only on XXXX  credit report since XX/XX/XXXX I have sent police reports correct driver license and XXXX  takes off and put back on every 45 days. This account do not belong to me what else do I need to but sue this company due to I never own this account this has been going on since XXXX. It is truly hurting me from jobs and credit. 
I have and account from Frost Bank # XXXX open XX/XX/XXXX overdraft in XXXX paid {$690.00} Full Balance. Only showing on XXXX  they are literally reporting a bank account that I had when I 1st open my account on my credit report as a charge off I have also been going back and forth with them also after having 3 account with them that are correct o On my Frost account # XXXX, is continuing show late payment for XXXX
Product: Credit card or prepaid card

Okay well I was adding money to my card to save it because my wife had recently had a XXXX and I wanted to make sure I had extra money saved so I was making deposits from my XXXX XXXX  out to this card While I was at the hospital with my wife someone had stole my card I guess or my card number and was making transactions from XXXX and XXXX XXXX which I don't know what that is I disputed it and they sent me back something saying the transactions needs to be verified and verification was given I'm not understanding what that means but I did not use the card especially for no XXXX gold coins and now they're not helping me get this problem resolved the questions they ask are a set up no matter what u say your wrong
Product: Credit reporting, credit repair services, or other personal consumer reports

On three different occasions ( see attachments ), I sent a dispute letter to TransUnion disputing an unknown and unverified XXXX XXXX account that they are reporting on my consumer file. I requested that they provide me with a copy of the original contract with my name on it pursuant to section 609 ( a ) ( 1 ) ( A ) of the FCRA. In their response to each dispute, they stated that they verified the account and that it belongs to me. 

They never provided the physical verification of a consumer contract with my name on it. I contacted the said original creditor to obtain these documents directly and they stated to me that they couldnt provide me with these documents ( original contract ) because that information wasnt retained when it was sent/sold to the collection agency. How did TransUnion verify this account? 

They never performed a proper independent investigation. I formally requested a copy of the original contract with my signature on it for the following reasons : - Unknown Account : The above account is unknown to me and I need that original contract ( which XXXX XXXX can not or will not provide me ) to help clear my name with my future proceedings. 

- Unverified Account : This unknown account can NO WAY be verified that it belongs to me or that I personally opened this account. I need a copy of the original contract with my signature on it to prove the inaccuracies and prove that they are reporting an account on my consumer file that is inaccurate and TRULY unverified against me and vice versa. 

After several attempts to clear my name, this account remains on my credit report in violation of the FCRA.
Product: Debt collection

Transworld systems inc instead of contacting me on a debt owed to the military chance who was alread. Collecting its money through my military allotment. And instead of contacting me, they filed false documents stating that they had already taken me to court, and they had a garnishment order while my Work gave it to me. It was not a garnishment order, signed by a judge. Instead, it was just them stating that they were representing the United States government, which they do not do Contact military star and they said they were still collecting their money from military allotment which it shows they misrepresented the amount that was owed because according to XXXX XXXX I owe {$3000.00} according to XXXX {$4200.00} and the fact that I was never notified about the garnishment never notified about court because there isnt any court order and it is specifically signed by the people via electronic signature And Michigan law states they have to have a court order. I do not work for the government. I work for XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XXXX XX/XX/2017 I purchased {$700.00} worth of Bitcoin from Coinbase, over a couple days I canceled my account and requested a refund which I have not received as yet. After a couple days I called the Coinbase phone line It was answered and I was told that they needs to access my account to make put my money back so I opened my account but no money was deposited. That same day my account was hacked and {$1000.00} was taken from my account by Coinbase. I made an alarm and my {$1000.00} was refunded. I made some changes to my account after that so as to prevent anymore unauthorized transaction. The outstanding balance of {$570.00} was not refunded to me. As you will see from emails sent back and forth they are clearly trying to rip me off. Many phone calls and email later still no refund.
Product: Consumer Loan

Springleaf is reporting that a payment has not been received since XXXX 2016 and are also reporting the wrong balance. Not only have I made timely payments all year, I have made extra payments towards my balance. They are reporting a balance of XXXX however my balance is XXXX. This is affecting my credit report.
Product: Credit reporting or other personal consumer reports

I looked at my report back on XX/XX/year>, And noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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. These accounts ( XXXX  XXXX ) are not complete or accurate. 

And one more thing according to 15 USC 1681s-2A A person shall not furnish any information relating to a consumer reporting agency if the person has reasonable cause to believe that the information is incorrect. 

Also, I discovered that certain information has been provided to credit bureaus without my written consent. Under 15 USC 1681b, it is clear that consumer reporting agencies must obtain written consent before furnishing consumer information to third parties.
Product: Credit card or prepaid card

I was supposed to receive XXXX skymiles and {$100.00} statement credit if I spent {$1000.00} in 3 months. American express has said I have met all the requirements but will not credit my account. They keep telling me they will research the problem. I met the requirements on XX/XX/XXXX. They say it takes 6-8 weeks after that and it has been 12 weeks. I have called several times and they just say to call back and check later.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, XXXX I used my rights to ask experian to verify some accounts on my report, with Proof, because I had issues with verification of the accounts when I checked. I also asked on that date to remove any non- account holding inquiries over 30 days. I heard nothing from them about the matter so I sent a second letter requesting the same information, on XXXX XXXX, XXXX. I got the same results with a system generated letter about the process of inquiries being on my report and no proof of them verifying the information. XXXX XXXX I sent a final warning and they still did not comply. So this will be my last complaint to communicate with out seeking legal advise to collect damages due to them not providing me with the required documents showing they verified the accounts. At this point they should have already done so and they have n't so I will settle for deletion of all the unverified accounts that are listed in the letters
Product: Credit reporting or other personal consumer reports

I'm looking to rent an apartment as of XX/XX/2023, and as part of the process they ran me through a Tenant Screening Report. On the report I had a large Total Outstanding balance, which I should not have had as a Resident Ledger I received from when I left the apartment complex states all balances were paid off. Not only that but all payment history present on the report were marked as paid on time, with a few delinquent payments that we paid a few days after rent was due. I should owe nothing to the complex, and even after calling they stated that my account was in the green with nothing owed. This error is a large issue as it is hindering my ability to get an apartment for my new work location.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account was paid in full years ago but they are reporting to the credit bureaus that my account is in collections. This has taken my score down XXXX points. I need this resolved asap
Product: Checking or savings account

Good morning on XXXX I made a claim because once again money I needed to pay a bill with was taken off my account at a atm, i immediately got in contact with capital one to get a new card. But I still have not received the funds that was supposed to be sent to me in 2-3 days. Now my problem is with capital one is I recently fell on hard times once again and been doing little side hobbies I mentioned that to capital one and they still are withholding my funds but apparently now my account is being closed. Instead of doing that they could have easily sent me a email but they didnt nor did I receive a call from them. My only problem with them now is they are withholding funds I need the XXXX and they dont care. Its frustrating because here I am really needing the money and they not even allowing me to transfer it.
Product: Credit reporting

You have my name down as XXXX, XXXX XXXX - My ex husband from years ago is XXXX XXXX XXXX, his name should NOTot be on my name, my New husband of 12 yrs name is not on my name. Please take the XXXX off my name, we have separate Credit reports
Product: Vehicle loan or lease

I called the company many times, and tell them to fix the amount on my current balance because is inaccurate and incorrect. It shows on my credit report as {$1200.00} and I only owe {$360.00} they said they cant do it, with our giving me an explanation. 
On XX/XX/2021 I submitted a dispute with XXXX and I was notified that the company states that information on balance in accurate. 
Today is XX/XX/2021, They are not correct and they are giving me a lot of problems because is damaging my credit score with false information.