23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Hello! Please give attention to my follow up. I need these inquiries harming my credit reports REMOVED from my credit file. I am hoping and truly expecting that the XXXX, XXXX and TransUnion credit bureaus will remove all these inquiries I listed once more in these complaints : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

A little over 10 business days ago I had to deal with this bank for 6 hours on the phone. Someone got into my bank account and took over {$1500.00}, I fought with them over the phone that whatever they were doing to protect my account was not working because they were still going into my account and changing my information so when I called I could not answer the security questions. After 6 hours on the phone a rep finally figured out that someone was calling in from different numbers pretending to be me and answering all of my security questions right so they let this person get into my account. At this time it was too late and all of my money was drained. So fast forward XX/XX/XXXX they did credit my account back and within a few hours someone got into my account again and made a virtual debit card once again, one I did not authorize. I called again pleading my case and telling the rep it was not my debit card that was compromised but my actual account and them making a virtual card. They keep promising me that it is secure now but they said that for 6 hours last time and look what happened. Now I have {$490.00} gone and they are once again making me wait 10 business days to investigate. I asked to have it escalated or to talk to someone that could and they refused. I do not believe that I should have to go through this again and have to wait. The rep yesterday clearly stated that it was their fault this happened again. This whole scenario since day one has caused me extreme XXXX, XXXX, XXXX  XXXX XXXX and to the point I had to see a doctor and my counselor. I demand this money back in my account immediately or I will be seeking legal action not only for the money but for pain and suffering. I have made reports with the police department and the FBI. Reference number to the dispute is XXXX.
Product: Debt collection

Was contacted by phone in XX/XX/XXXX, threw conversation with a person from the company determined that my social security number and date of birth that I was not the person they were looking for. The debt owed was for college loans and I never went to college.They continued to mail me letters asking for payments, that are not mine, at least three or four letters, the last dated XX/XX/XXXX. I have called at least three times and asked them to stop harassing me. Each time we established I was not the person they were looking for and they said it was taken care of.
Product: Bank account or service

Approximately 6 months ago, my employers payroll account was hacked into and stolen all of our personal information was stolen. Identity theft has several accounts open. One was thru Navy FCU. I called several times to have this account closed due to identity theft. Everytime I spoke with someone about it, supposedly they closed the account and they were going to send out an affidavit to complete and send back ( never received ). Last call was one month ago about this situation. And I am still receiving monthly statements in the mail and have not received the affidavit. Also when this account was open, it put a hard hit on my credit score. Not happy. If I closed an account esp due to identity theft, I should not have to call every month when I receive a monthly statement to find out it HAS not been closed.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Report 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 

15 U.S.C 1681 section 602 A. States I have a 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 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: Debt collection

Enhanced recovery systems called my job XXXX weeks ago, they were notified that personal phone calls are not permitted by our company, a week later, XXXX more calls at work from the same company happened after they were told to not call me at work
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Product: Credit reporting or other personal consumer reports

Problems with XXXX XXXX XXXX XXXX XXXX reporting debts paid off and that sold improperly to other companies as well
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself. I'm not swayed that Equifax efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. Equifax reporting inaccurate information on XXXX XXXX. PeXXXX FCRA, reporting must be 100 % accurate or the information must be deleted. 

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

Vemno froze my account I been reaching out to them mutiple times and they are refusing to give me my funds I will like a solution to this asap please I will like my funds to be released asap
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 protected consumer rights to privacy and confidentially under 15 U.S.C .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 XXXXXXXX XXXX XXXX XXXX XXXX  15 U.S.C. 1681 section 602 A. States I have a right to privacy.

15 U.S.C. 1681 Section2. It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681C. ( a ) ( 5 ) Section States : no consumer agency may make any consumer report containing any of the following items of information, other than reports of convictions of crimes which antedates the report by more than 7 years.

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

XXXX XXXX XXXX account number XXXX is on my account because of fraud, it needs to be removed. I have contacted the credit bureau multiple times about this issue.
Product: Vehicle loan or lease

My credit score was XXXX when I went to purchase my vehicle. The leasing company used an old credit score of XXXX. I was given a loan rate based on an old score, not my then current. I call the company and they said I had to reach out to XXXX XXXX, I was denied any further investigation. Date of purchase was XX/XX/20.
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX, am formally disputing the accuracy and validity of the following items on my credit report, as generated by Experian on XX/XX/year> : XXXX XXXX XXXX {$2300.00} XXXX XXXX XXXX {$710.00} XXXX XXXX XXXX {$980.00} XXXX {$1800.00} XXXX XXXX Off ) XXXX XXXX {$1800.00} ( Collection ) These entries reflect inaccuracies and unverifiable claims. Under the Uniform Commercial Code ( UCC ) 1-308, I am reserving my rights and demand full validation of these debts, including original signed agreements and detailed documentation. I also invoke the Fair Credit Reporting Act ( FCRA ) 611, which entitles me to an investigation of all disputed items. If these items can not be verified within the mandated 30-day period, I request their immediate removal from my credit report.

Failure to validate these claims will result in further actions, including formal complaints to the Consumer Financial Protection Bureau ( CFPB ) and possible legal proceedings. I expect full compliance with the UCC and FCRA guidelines. 

Sincerely, XXXX XXXX
Product: Mortgage

My loan was sold to SLS, Specialized Loan Services. I see they already violated RESPA order. I have tried to make payments to them since they got my loan and they have rejected my payment in full several times now. I am receiving foreclosure notices. I have made over 50 phone calls to them and no one knows why my checks are being mailed back. I verified mailing address, account number and everything The refuse to have a supervisor call even though I have requested 5 times
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681. 

Accounts as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : have violated my rights. 

15 U.S.C. 1681 Section 602 A states that I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 also states that a consumer reporting agency can not furnish an 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 items of information, other than records of convictions of crimes which antedates the report 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 card

Approximately XXXX XX/XX/2024, AMEX Fraud Department placed a " hold '' on all XXXX of my AMEX cards. I have not been late or delinquent in payment of any charges. 

Without notice, AMEX placed cards on " hold '' status causing automatic payments to utilities and services to be rejected. Additionally, the cards serve as my DeFacto day-to-day payment method and I was surprised and unable to pay for snacks or meals during the work day. 

AMEX made contact approximately XXXX XX/XX/2024 stating they had placed a " hold '' and needed XXXX pay stubs and bank statements verifying an ability to pay balances. If documents were not provided, AMEX would close all accounts by XXXX XX/XX/2024. Again, I have no history of late or delinquent payments. In an effort to resolve the issue, the requested documents were submitted through AMEX 's encrypted email service. XXXX documents from XXXX XXXX XXXX XXXX  and XXXX documents from the Defense Finance and Accounting Service ( DFAS ) were provided, per their request. On XXXX XX/XX/2024, AMEX made contact and stated the documents provided could not be authenticated. The XXXX based AMEX customer service representative provided technical guidance to use " privacy mode '' in browsers to download the bank and DFAS documents and resubmit. On XXXX XX/XX/2024, documents were resubmitted into their encrypted email service.

Primary concern, AMEX did not provide prior notice to placing a " hold '' on all XXXX AMEX cards, impacting automatic payments and use for daily payments. In an era of little paper currency use, this was very impactful. Additionally, AMEX should have requested the documents to resolve any concerns prior to placing a " hold, '' especially for customers with no late or delinquent history.

Secondary concern, as an XXXX XXXX XXXX XXXX, I found it concerning that an XXXX based AMEX customer service agent had full access to US Government DFAS documents that contain XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Documents were provided to AMEX with the belief the email encryption service allowed only authorized US entities to be able to see information. When questioned about this practice, the XXXX based agent stated they see many XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX A Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXXDate of inquiry : XX/XX/XXXX XXXX XXXX XXXXXXXXDate of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry XXXX XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XXXX XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XXXX XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXXDate of inquiry : XX/XX/XXXX XXXX Date of inquiry XXXX XX/XX/XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXXDate of inquiry : XX/XX/XXXX XXXXDate of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX
Product: Student loan

I sent a message to EdFinancial on XX/XX/. I did not receive a message back nor any confirmation that my message had in fact been received. I tried calling on XX/XX/XXXX, but the wait time was over five hours. I requested a call back, but did not receive one after 24 hours. I submitted my application, but received no confirmation that it has been uploaded or that the company had received it. Their website is unclear on how to submit this, making the process for loan forgiveness unnecessarily difficult. I am unable to get answers as to how I can have my application processed.
Product: Credit card or prepaid card

Citibank/Best Buy billed my personal checking account for an unauthorized amount of {$5400.00} on XX/XX/ 2021 and has yet to return my funds. 

On XX/XX/2021, there was fraud on my Best Buy credit card. I was immediately notified by Best Buy, I denied the charges and I was told they'd be closing out my account and issue me a new credit card. 

On XXXX XXXX, 2021, I realized that in the process of closing out my credit card, they inadvertently charged the payment information I had on file the FULL balance of the credit card ( {$5400.00} ). I also realized that the fraudulent charges I had been contacted about had been re-billed- twice! 

On XXXX XXXX, 2021 I called Citibank/Best Buy, I was informed this was probably done by fraud and that I'd need to speak with the Security department XXXX please keep in mind it was done on the same day Citibank/Best Buy closed out the account. After speaking with the security department, they immediately removed the fraudulent charges ( again that they had re-billed twice after initially removing the charges ). With regards to charging my checking account the full balance of the account, they informed me my best course-of-action was to contact my personal bank ( XXXX XXXX ) to recall the payment. XXXX XXXX recalled the payment on XXXX XXXX, 2021 ( not sure why there was a 10-daXXXX delay ) and I've yet to receive the money back from Citibank/Best Buy . 

On XX/XX/2021, I called Citibank/Best Buy again. The supervisor requested my checking account number and routing number to process the return of funds. He informed me there was error, but was unable to tell me what the error was regarding and that I'd receive communication in 3-5 days. 

I don't understand how a bank can process an UNAUTHORIZED payment on my personal account and refuse to give me my money back in a timely manner. This is money I need to pay my bills.
Product: Debt collection

I am receiving repeated calls at least 4 times a day or more to my place of employment, personal phone, boyfriends phone and family members phones. A message was left with personal information to my boyfriend 's phone as well!! I have explained that I can not make a payment at this time but have been making an effort and made precious payments. The company also will not send me information that I have asked for and will not mail anything to prove they are a legit company and not scammers.
Product: Debt collection

Collection account reported to credit bureaus on XX/XX/2020 after bankruptcy was filed on XX/XX/2020. 

Per Complaint # XXXX, It is Ad Astras policy to wait until the approval of the discharge associated with the chapter XXXX bankruptcy, before requesting a deletion from the credit reporting agencies and returning the account to our client. 

The bankruptcy has been discharged. Please remove this collection account from all three credit bureaus promptly. Your cooperation will be greatly appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have Child Support with XXXXXXXX XXXX XXXX XXXX. I have always made my payments on time. For some reason, I realized that there were 30 days late payments on my credit report for the month of XX/XX/2021. I have read enough to understand my rights. The TransUnion Credit Bureaus is required to verify for themselves, but they failed to neither verify nor update me about this complaints. I believe the company is violating Sections 616 & 617 of the FCRA. I believe theyre unwilfully noncomplying with federal law & this issue is creating a ton of emotional physical stress. Id like this matter resolved ASAP as it is impacting my health & wellbeing, as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. TransUnion shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any items of information contained in a my file at TransUnion is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Please update the late payment from this account. Below is the account with erroneous information and Id like remedied ASAP. XXXX XXXX XXXX  Date Opened : XX/XX/2021 Balance : {$2300.00}