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

Experian has my report as missed payments doesn't say in good standing when closed for example payed car loan off never late or missed a payment as well with lease agreement that was in good standing but yet when I car loan was closed it dropped my score XXXX points there is nothing good on there about a good payment history I would like this looked into and it's pointless to try and contact them as I can't be on the phone for ever waiting for somebody to speak with
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting a complaint in reference to this company knowingly reporting inaccurate data. I have no contract and have no reason to be in any type of business with this company and they are committing FRAUD. My credit profile is affected by these violations, this fraud, SUSPICIOUS, AND DECEPTIVE. I demand proof TO SEE ' Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the validation and verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. 



I have sent letters on XXXX XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and i still have yet to receive a proper response that validates this debt.
Product: Debt collection

XXXX amount- {$980.00} actions that were taken by you or the company-reported on my credit report, processing dispute, advised me to complete this form to finalize the dispute LVNV FUNDING LLC XXXX XXXX XXXX XXXX, SC XXXX XXXX
Product: Debt collection

I have credit XXXX account and found that XXXX XXXX XXXX, XXXX, also with XXXX XXXX serviced by Lending Club Corporation that it was reported on XX/XX/21 that there is a debt being collected. I have yet to know anything about this.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX ( Original Creditor : 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 never made a payment to  XXXX   XXXX   XXXX . They are a 3rd party collector who is ballooning a debt that they bought from  XXXX   XXXX . They are also re aging the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraud inquire XXXX credit report. I have a security freeze never applied for capital one credit card.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. This 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 XXXXXXXX XXXX XXXX  XXXX XXXX, XXXX XXXX # XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXXXXXX, 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 Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Product: Checking or savings account

Checking account opened at TD Bank in my name using my address. Phone number listed on checking account is not mine. Contacted TD Bank and made them aware of the fraudulent account on the day I received the checks in the mail.
Product: Checking or savings account

On XX/XX/22 two {$31000.00} and {$6700.00} were unauthorized wire transferred to two strangers from my checking account caused by the Citibank 's promotion wanting consumer 's huge amount of money. I was not given the Client Manual nor the info how to prevent faud when opening the first acoount. Citibank did not set filter and alert as such suspicious activities occured while the Citicard found them and stopped, then informed me in a letter two times. I filed Affidavits and it has been under investigation since XX/XX/22 but the bank refused to give me the provisional credit as it was required by the law and their policy. They even failed to provide Swift code 1 and 2 and the IP address - the necessary information for FBI to do investigation to catch the criminals and prevent future fraud. The XXXX branch refused to help me out before and after the fraud, they lost my huge amount of money but did not want to take any responsibilies for it.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are over 60 HARD inquiries that were made over the past year without my consent or knowledge. I contacted Equifax to ask why there were so many inquiries on my credit file many of which are from the same company multiple times in a single month or a couple of months. It is quite obvious that there is fraudulent activity happening with my credit file but Equifax refused to take any action after I asked to have all of those Inquiries removed and place a FREEZE on my credit file. Neither of which has happened as recent as last week, XX/XX/2017, I received a letter in the mail from XXXX  XXXX XXXX stating that I was denied for some sort of XXXX  credit card that I never applied for. I believe that I must have been one of the millions of victims affected by the Equifax Data Breach and my information has been compromised, which is why I asked to have the unauthorized inquiries removed and the freeze placed on my account. I did not say fraud alert, I requested a credit freeze!
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize XXXX XXXX XXXX to put a loan on my credit report and XXXX XXXX  XXXX I did not sign any documents by mail or received any mail sign by me with my actual id social and written signature. ( 1 ) account : XXXXXXXX XXXX XXXX account number : XXXX ( 2 ) account : XXXX XXXX XXXX account number : XXXX Please block this information from my credit report and remove it pursuant of section 605b of the fair credit reporting act which require you to block the fraudulent information on my credit report resulting from identity theft with four business days and to promptly notify the furnisher ( s ) of that information
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX account # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXXXXXX XXXX # XXXX XXXX # XXXX is in violation of my rights.. 15 USC 1681 section 602 A. States I have the right to privacy 15 USC 1681 604 A Sections 2 It also states that A consumer reporting Agency can not furnish account with out my written instructions..
Product: Credit card or prepaid card

Wanted to do a {$8000.00} balance transfer. Never did receive any monies or funds and was billed. The company will not answer their phones and not respond to many texts on their website. They promote they're 6 hours promise to respond but I have tried for several weeks with no response. Instead I received statements demanding payment for {$0.00} monies. 

I'd like to file suit for what ever I can for un just business practices and lowered credit scores! The company is Barclays US with the ring card.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I discovered that GM Financial was not sending updates concerning my on time payments. I only discovered it after calling them to dispute a late payment reported to the three major bureaus inXX/XX/XXXX. The company ( GM ) advise that it was a company wide issue that they switch systems and that they were making errors so not to get anyone credit incorrect, they elected not to report. However, it has been 4 months since they have submitted and update. I'm working to rebuild my credit and the last then sent is a late payment over 4 months ago. My loan is new so its driving down my points daily as it looks that I no longer have the loan and after 3 payments one was late! I demanded that they send an update to the bureaus and they stated they would. I demanded that they send a letter to me advising that the task is complete. I'm yet to received this letter. Please help to resolve this issue as my family and I am looking to purchase a home and this is hurting us.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had a paid monthly monitoring subscription with Equifax for about 4 years or more years ( which I cancelled on XX/XX/XXXX ) and have always been able to view and print a report and score from them. I call twice and ask what was the problem and was told that they would " Try '' to find out and get back to me via email. 

It is now XX/XX/XXXX and I tried to get a report and score " Again " Nothing, Blank account under my name just my personal information. ". One page said " Online Delivery Unavailable, We are not able to deliver your free Equifax Annual Credit Report online. Another page said Sorry, the page you were looking for dose not exist ( 404 ). 
. 
I was able to get reports from XX/XX/XXXX and XX/XX/XXXX on XX/XX/XXXX. I have had a credit history since I was about 20 years old and due have reports and scores from Equifax XX/XX/XXXX - XX/XX/XXXX and XX/XX/XXXX. I don't think that I am the only one going through this with them because they also said something about changing their format forcing us to use XXXX only to get to them. " The 3 people who I talked to Did Not Seam To Know What They Were Doing Either ''.
Product: Credit card or prepaid card

Being charged a card security fee since card was open in XX/XX/XXXX Wal-Mart/Synchrony Card - Didn't authorize or ask for. I didn't know this fee was being added due to my bills being paperless, and I noticed the bill wasn't going down it was going up monthly and I hadn't used it in months!. I finally examined the bill carefully and noticed this card security program fee and canceled this in XX/XX/XXXX. I would like the fees returned to me and the interest I was charged due to this fee. Please assist me, I didn't opt in for this coverage.
Product: Debt collection

REF : XXXX XXXX DO NOT KNOW ACCOUNT NUMBER, BUT THE HOME PHONE BEING CALLED IS XXXX. 

On XXXX/XXXX/2016 a number of my family memeber 's receive a phone call from this number XXXX X XXXX and told ask for XXXX or XXXX spoke to them, looking for my son XXXX XXXX. Please note this company goes by multiple numbers. The phone number they call from is not always the same. 

The company goes by the name of Westlake Financial Services. 
They call each person cell phone number. The caller was very harassing to others. They also call the grandparents of my son, who are senior citizens, who call me very scare, upset and feeling money needed to be given on their part. On one cell phone they are calling is minor line. 

Nevertheless, this company has call my home every 1/2 hour from morning to night, leaving one message to another, over and over again. 

On XXXX/XXXX/2016 the same company call the home in a hour period every 5 min. My son stated they call his cell phone number every hour and at times every half a hour. My son stated he spoke to this company about all this and refuse to listen. 

At times these calls has appear to be threaten phone calls. The caller reveal that my son XXXX XXXX has debt with them and from there becomes very harassing. With some phone calls they ask 3rd party to call them back. This company left many messages with the 3rd parties, about XXXX XXXX. Some of the people they call are upset and scare.We think this company went to far and this why we are filing a complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

After completion of investigation ( File Number XXXX ), TransUnion failed to provide the Notice required by 15 U.S. Code 1681 ( a ) ( 6 ) ( B ) ( iii ). However, as a consumer, I requested that TransUnion, in accordance with 15 U.S. Code 1681 ( a ) ( 6 ) ( B ) ( iii ), provide a description of the procedure used to determine the accuracy and completeness of the information of the investigation. TransUnion failed to provide the complete requested description, in that, TransUnion failed to provide the business name and address of any furnisher of information contacted and the telephone number of such furnisher. See attachment TransUnion_complaint.PDF ( TransUnion Resolution Summary XXXX/XXXX/XXXX, my letter XXXX XXXX, XXXX, TransUnion reply XXXX/XXXX/XXXX XXXX.
Product: Debt collection

I filed consumer complaint # XXXX, which outlines the beginning of a series of harassing calls by both XXXX XXXX and National Credit Adjusters, but I will summarize the events here. I received multiple unsolicited communications from a company named XXXX XXXX, which I later learned was hired by National Credit Adjusters. National Credit Adjusters had previously communicated with me over the phone and via voicemails XXXX which I retained XXXX that they had filed a lawsuit against me in XXXX XXXX. Per public records, no suit had been filed since they first started contacting me back in XXXX ofXX/XX/XXXX Clearly, this was an intimidation tactic used to gain compliance. NCA later hired XXXX XXXX to start contacting me, and again, no suit was filed. After several requests for XXXX XXXX contact me by mail, it wasn't until I submitted a complaint to the CFPB XXXX noted above ) that they ceased contacting me. This is when National Credit Adjusters started calling me again. I, again, asked them several times to send all communications via mail, but they have continued to call - a clear violation of consumer protection laws. XXXXPhone call. XXXXPhone call. XXXX call. On each call, asked for mail communication NCA has yet to respond to the consumer complaint # XXXX I file with this office.
Product: Checking or savings account

I had a checking account, where my husband XXXX XXXX XXXX ) was depositing part of his paycheck directly for me. I was told by AXOS that I need to add my husband to that account. I submitted a pdf form that was provided for me, however, AXOS didn't accept it, saying that they don't take electronic signatures and the form needs to be signed by pen. Later I signed the form with pen, we also stopped depositing funds to that account. However, AXOS blocked remaining {$350.00} in my account. 
To unblock they say that they need to add my husband, but they can not do that because there is " third party freeze '' on XXXX However, I reached out to XXXX and they confirmed that there is no freeze on my husbands XXXX
Product: Checking or savings account

I have just received an electronic transfer of {$6000.00} in my chase checking account but my account got frozen for suspicious activity. I only used the chase checking account to make a purchase from a bitcoin company ( XXXX ). It's a fairly new account. when I called, the customer support could not provide a clear reason for holding my funds that just came in from XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Please update personal information according to the attached and information shown below. 

XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX RE : Social Security Number : XXXX To Whom It May Concern : I am writing you to update my personal information.

15 USC 1681 ( a ) ( 4 ) I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : 1. My Full Legal Name : XXXX XXXX 2. My Address : XXXX XXXX XXXX, XXXX, VA XXXX Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above. 
My only Phone number is ( XXXX ) XXXX Delete any and all other phone numbers. 
I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 
Delete all information in the employer section. 
I understand that pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections. 

Please send an updated credit report once the changes are complete to my contact information listed. 
My contact information is as follows : Name : XXXX XXXX XXXX : XXXX Address : XXXX XXXX XXXX, XXXX, VA XXXX XXXX XXXX XXXX
Product: Mortgage

I called Shellpoint Mortgage Service on XX/XX/XXXX and requested a payoff statement of my arrears that I owed in my XXXX  XXXX payment plan. My arrears as well as late payments penalties and escrow was paid off by XXXX XXXX XXXX in the amount of {$59000.00} which was more than the arrears that I owed on the loan. Unfortunately, when I called back on Friday XX/XX/XXXX, I was given the runaround by XXXX and the manager XXXX in the Shellpoint bankruptcy department because I am XXXX. I was told that I couldn't a payoff of my arrears in my bankruptcy. XXXX said to me in a rude manner, I don't care what you think you owe; but we can't give you a copy of anything showing that the account is payed off. Also, XXXX said, your loan was paid off by XXXX XXXX XXXX and you didn't pay anything. I asked XXXX to speak with the manager and initially XXXX screamed and said No! Once I spoke with XXXX the manager, I requested a copy of my payoff and a copy of my deed of trust and XXXX refuse to give it to me. I had to call and speak with another representative on XX/XX/XXXX and he gave me a copy of the payoff and deed of trust. 

Nevertheless, I called this morning XX/XX/XXXX and asked for my current XX/XX/XXXX Statement. XXXX in the bankruptcy department informed me that I don't have any statements and my account was in an audit and said they sent me a letter indicating this which is not true. XXXX informed me that I am no longer own my home and I am responsible for the debt because I filed a XXXX XXXX and I don't have to make any more payments because the property is not mine. XXXX was very sarcastic and said you filed several bankruptcies and you don't own the property. XXXX further said that I need to get in touch with my attorney because I will not be receiving any more statements and that my account is under audit because I don't own my property.
Product: Checking or savings account

I opened an online savings with CitiBank on XX/XX/2022. They had a promotional to earn XXXX XXXX  {$300.00} promotional cash bonus. If you put in $ XXXX, you get {$100.00}. $ XXXX you get {$200.00}, $ XXXX you get {$300.00}. I put in $ XXXX an entered the bonus code. I went online to Citibank customer service/Chat feature the end of XXXX to check on the status of my bonus. I was assured that he could see the promotion bonus code and that I should rest assured I would get my bonus soon. As of XX/XX/2022, I still do not have my {$300.00} bonus. I went online again today, XX/XX/2022 and chatted with Citibank. They now say that I did not open the correct type of savings and I will not be receiving my {$300.00} bonus as they promised. They agreed they could see the last chat where I was assured I would receive my bonus.
Product: Student loan

I have not been able to afford my student loan payments from Navient due to unemployment and Navient has been harassing me by phone, calling me often eight times a day during the week, calling me several times during the weekends, and calling me after XXXX at night almost every night. My last straw was when they called me tonight at XXXX. 

I should not be harassed like this day in and day out from XXXX to almost XXXX at night because I am unable to afford the egregiously high student loan payments that Navient wants -- whether it's the full payment or interest-only payments -- while I am unemployed. I no longer have any remaining forbearance or deferment and need the CFPB 's help to stop this harassment.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act displaying the address, XXXX XXXX Ct XXXX, IL XXXX and XXXX XXXX XXXX XXXX, IL 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: Debt collection

On Thursday XX/XX/XXXX at approximately 1509 hours, while checking my credit score and showing me that I own a loan of {$3900.00} from XXXX XXXX  XXXX XXXX XXXX. I looked online and I found their number and I called. The agent from XXXX XXXXXXXX XXXX, informed me that I took a loan ONLINE from XXXX XXXXXXXX XXXX of {$3000.00} on XX/XX/XXXX and the money was deposit on a bank account call XXXX XXXX XXXX and the 4 number of that account are XXXX and the scammer use my first and last name to created an email address ( XXXX ) I NEVER HAVE ANY EMAIL ADDRESS WITH outlook. That is the only information I have from the loan company. Please help me by taking care of that as soon as possible please. Please Note that I Sent this report to IDENTITY THEFT ONLINE ON XX/XX/XXXX @ XXXX XXXX. My receipt number is # XXXX Hello, I'm having trouble to verified my Identity, after being on the phone for hours with one of the representatives of the unemployment agent he could not verify me with the information that I provided. I filed a claim on XX/XX/XXXX after I entered my social security number, the system informed me there was a claim open under my social security back to XXXX, and I called to report right after I finished completing the employment application. Today I called unemployment to find out about my status and the agent could NOT verify my information even with a bank account, the agent sent me a link to complete a personal verification through my email. When I clicked on the link even using my cell phone and manually typing it into the search bar on XXXX XXXX, along with XXXX XXXX. It would display a totally different web page than what the unemployment agent was seeing ( XXXX XXXX XXXX ). When the unemployment agent sent me to login on XXXX so I can access my account. The page asked me for a PIN but I was never issued a PIN number. After entering my SSC to receive my PIN to my email address, an entirely different email address popped up that does NOT BELONG TO ME at all ( XXXX ). My correct information should be the following : Please Help Me Resolve this Issue. My ticket number ***** from XXXX Member Support. I also sent a report to Department Of Highway Safety And Motor Vehicle Division Of Motorist Services. This two reports that I sent, it just to show that I've been give update to collection company and the credit bureaus. I'VE BEEN A VICTIM OF IDENTITY THEFT. ( SOCIAL SECURITY NUMBER )