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

I have many issues with how TransUnion, XXXX, and XXXX are reporting collections and closed negative accounts on my consumer report with my verbal or written consent.15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 6802section ( b ) Opt out In general a financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless -- such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and the consumer is given an explanation of how the consumer can exercise that nondisclosure option. My consumer report is private information. I have not received any disclosures from any of the following accounts : XXXX XXXX XXXX {$700.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX  {$0.00} XXXX XXXX {$1000.00} XXXX XXXX XXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX {$900.00} XXXX XXXX XXXX XXXX XXXX {$1900.00} XXXX XXXX XXXX XXXX XXXX {$620.00} XXXX XXXX XXXX {$980.00} XXXX XXXX XXXX XXXX XXXXXXXX {$850.00} XXXX XXXX XXXX XXXX {$840.00} XXXX XXXX XXXX XXXX {$650.00} XXXX XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX XXXX XXXX {$560.00} XXXX XXXX XXXX XXXX XXXX {$1400.00} XXXX XXXX XXXX XXXX XXXX {$490.00} XXXX XXXX XXXX XXXX XXXX {$700.00} XXXX XXXX XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX {$730.00} XXXX XXXX XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX XXXX XXXX {$720.00} XXXX XXXX XXXX XXXX XXXX {$630.00} I need the mentioned accounts removed from my consumer report immediately, the mentioned accounts are ruining my consumer report and my credit score which is hindering me from getting any new credit lines and credit loans.
Product: Credit card

My card was restricted while I'm abroad, and they tell me the only way to unblock it is by going to a branch. I explain that I am working outside the country and would prefer to cancel the account, which they do not allow me to do. I am supposed to have the right to cancel a product I am no longer interested in. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

In 2020 I was under the Cares Act with Loancare. Loancare is showing on all three bureaus 60 days late and negatively impacting my credit. In XX/XX/2020 my loan was paid in full with Loancare and no balances remaining. Under the care act you may not send anything negatively or report anything negative to any bureau. I am requesting a letter and email from Loancare with Loancare letterhead stating there was never a late payment with my mortgage at any point in time. In addition, a dispute with all three bureaus to remove this negative impact your company faulted. This is completely illegal under the Cares Act and Loancare had no right to negatively report to any bureau whatsoever.
Product: Credit card or prepaid card

XXXX XXXX/XXXX  closed my account with XXXX balance on XXXX.I did not closed this account.This credit card was a XXXX credit card.XXXX is now closed/Bankrupted/etc ... It seems like credit card companies are closing credit cards with XXXX balance or lowering limits because of the corona virus pandemic.There are many recent news articles that state credit card companies closing accounts.Because i cant use this card anyways, I do not want XXXX XXXX/XXXX  lowering my credit score by  closing my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 usc 1681 15 usc 1681 section 602a right to privacy 15usc 1681 section 604a Without written instructions they can't furnish a credit report 15 usc 1681 c. ( A ) ( 5 ) reporting info without knowledge of errors Go to cfpb submit complaint Improper use of credit report No consumer reporting agency may make any consumer report containing any of the following items of information other than records of convictions of crimes Which antedates The report by more than seven years.

15 usc 1681 s-2 ( A ) ( 1 ) a person shall not furnish any relating to a consumer to any reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Credit card or prepaid card

On XXXX XXXX I attempted to purchase airline tickets for an up coming XXXX Bonding trip from XXXX on XX/XX/2022 thru XX/XX/2022. I purchased using XXXX in which it was later cancelled due to declining it wouldve make my card limit wouldnt been over the daily purchase limit funds for {$1400.00}. On XX/XX/2022 XXXX  XXXX XXXX. they sent an email stating they can Cancellation : XXXX was indeed cancelled. On XX/XX/2022 about XXXXXXXX XXXX. I went the XXXX airport and stood in line 3 hour to purchase the ticket from an agent. I didnt inform the agent then that they cancelled my original reservations, and they should refund those funds. The agent didnt find anything so she couldnt cancel it either. I called Capital while at the counter to complete my transaction and see if the hold for {$940.00}. That email confirmation notice was via email. I at the airport and called Capital One to see if check my card had availability and it did. It was charged in the amounts of {$570.00} & {$210.00}. 15 minutes after the counter purchase with an agent one person decided not to go there XXXX refunded {$71.00} over the phone that same day. The Capital Once agent stated that {$940.00} should fall off and still had enough to repurchase the tickets while he was on the phone that day it was about XXXX. eastern standard time. Please refund my funds back to original form of credit card payment. XXXX is known for not wanting to refund after 24 hours. However, they had already done that and the lady at ticket counter didnt find flights that was done the night before as well. I urge you to please reconsider and return those funds back to card asap. I try ot keep my usage down or pay off within that same month. Im already dealing XXXX XXXX XXXX XXXX XXXX and grieving, Im XXXX and have XXXX issues that I take medication for. This has caused me more stress than I need right now.
Product: Credit reporting or other personal consumer reports

This complaint is being filed to request that pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, Experian, and XXXX credit reporting agencies, block information appearing on my consumer credit report that has been the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent and inaccurate information consists of and account with XXXXXXXX XXXX XXXX account # XXXX opened on XX/XX/XXXX with an amount of {$2500.00} ; and collections accounts with XXXX XXXX XXXX, Account # XXXX opened on XX/XX/XXXX with an amount of {$5300.00} ; XXXX XXXX XXXX XXXX account # XXXX opened on XX/XX/XXXX with an amount of {$3100.00} ; and XXXX XXXX XXXX XXXX XXXX account # XXXX opened on XX/XX/XXXX with an amount of {$6200.00}. These accounts have resulted in several fraudulent inquiries, collections, and an account appearing on my consumer credit report. I've attached a copy the consumer report maintained by you which shows the above mentioned items which were not opened, made, or initiated by me. All of the aforementioned accounts and collections are the result of identity theft and fraud. I have attached a copy of the FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts and collections are the result of theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

REVIEW THE LETTER I SENT REGARDING THE INQUIRIES AND CHARGEOFF ACCOUNT. I'VE BEEN SENDING YOU MULTIPLE LETTERS AND YOU SAID YOU DIDN'T RECEIVED IT OR THERE WAS AN ERROR ON MY FTC OR MY DOCUMENT IS BLURRY. STOP MAKING EXCUSES. WHEN I SENT YOU DOCUMENTS WITH LETTERS AND FTC I MAKE SURE IT IS CLEAR.
Product: Credit reporting or other personal consumer reports

I have noticed incorrect late payment entries on my credit report that do not align with my typical payment history. Please rectify these mistakes and ensure my account reflects accurate information.
Product: Payday loan, title loan, personal loan, or advance loan

I took out a personal loan with OneMain Financial Group, LLC XX/XX/XXXX. This was to refinance a current loan with OneMain and get additional money. The loan amount was {$9300.00}. Cash to me, {$4500.00}, Amount Paid on my Prior Account {$2600.00}, Fees Financed {$100.00}, and Optional Credit Insurance Financed. In XXXX I started having financial hardships. OneMain offered to defer my payments of $ XXXX asked if they would report me to the credit bureau . They said no as long as I make the deferred payments of {$160.00}. OneMain Reported to the three credit bureaus that I had deferred my payment. This is a breach of a verbal agreement. When I would come into the office to make my payment, the ladies would do some shady transactions with the receipt. I did not notice it until now when I pulled all the papers for the money I gave them. 
XX/XX/XXXX, Payment {$20.00}. Principal {$2.00}, Interest {$17.00}, new balance {$9200.00}. 
XX/XX/XXXX Payment {$160.00}, Principal {$8.00}, Interest {$140.00}, new balance {$9200.00} ( only {$4.00} deduction ) The Deferment Agreement was written on XX/XX/XXXX, but on it my next payment was due XX/XX/XXXX. Making a payment on XX/XX/XXXX, would make my payment late and a late fee taken out of {$15.00}. The same thing went on in XXXX. Out of {$160.00}, {$0.00} went to the principal, {$150.00} went to interest and {$14.00} went to late fees. New balance {$9200.00}. Deduction of only {$5.00}. On XX/XX/XXXX I made a payment of {$160.00}, principal {$7.00}, interest {$160.00}, and no late fee. New balance {$9100.00}. That's a {$12.00} deduction from XXXX XXXX this rate it would take years, too many years to pay off this loan. I had credit insurance. Why didn't thwy use it to write off my balance. XX/XX/XXXX OneMain charged off the balance and set my account to OneMain 's Account Resolution Center for collection. How are you going to charge off and then send for collection and not use my credit insurance? OneMain is still reporting to the three credit bureaus that I have missed a payment since XXXX. OneMain continues to effect my credit score with fraudulent information about me. I can not establish new credit with the damage they have done to my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit reporting Agencies are illegally using my former name on my credit report, they have been provided with my LEGAL NAME OF 3 YEARS THAT INCLUDES COURT DOCUMENTS. They are not complying with Law, which is Unlawful even for I to continue to use MY FORMER NAME XXXX XXXX my SOCIAL SECURITY NUMBER HAS NOT CHANGED and has been verified. They continue to have visible a social security number that does not belong to me and that is not a verified SSN assigned to me .MY LEGAL NAME IS XXXX XXXX XXXX D.O.B XX/XX/XXXX. I HAVE COMPLAINT NUMEROUS TIMES TO THESE 3 AGENCIES REGARDING THIS ISSUE. I WOULD LIKE THE NAME XXXX XXXX REMOVED FROM MY ACCOUNTS ON ALL 3 BUREAUS. THERE ARE NO OPEN ACCOUNTS UNDER THAT NAME .ONLY MY LEGAL NAME XXXX XXXX XXXX .
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to remove several inquiries from my credit report with Equifax Online and all the time almost immediately receives a response about that info it is accurate and will keep in my credit report ( please see attached the last 5 responses from then ). 

Today XX/XX/2023 a few minutes ago, I spoke with an Equifax representative and spent a lot of time trying to explain my situation, that I have not authorized those inquiries and he refuse to do any about it. Then I asked him to speak with his supervisor ( called XXXX  ) and she refused to take care of it either, also told me that I have to call each company that has made inquiries in order to ask them to remove it. 

In case of XXXX, I have called since at least 3 years in order to get access to my credit report from there and make the disputes and they didn't took care about my situation either.
Product: Credit reporting or other personal consumer reports

I've always been punctual with my payments, and it feels unjust to face repercussions for an error not of my doing. This has become a major source of XXXX for me, and I sincerely hope for a swift resolution.
Product: Debt collection

reliant capital solutions repeatly calls my spouse about my debt. I have a debt with XXXX XXXX and my husband is listed as my emergency contact on file at the university. I did not opt into sharing my information with another person. I contacted reliant capital solutions and expressed to them that they are not to contact my husband about my debt and I was told tht because he is my spouse they can discuss my debt with him. The told me it is legal to discuss my debt with my spouse. My bill with XXXX  is not a joint debt it is my debt. I asked the person that answered the phone to point me in the direction of the law that says she can talk to my husband or contact my husband without my permission and she refused to share that info with me. she kept saying she can call him because he is my spouse. I eventually informed her that they need to contact me and only me about my debt and I hung up
Product: Checking or savings account

Someone opened a fraudulent checking account under my name at Bank of America. 

The details I received in the email are as follows : Bank of America XXXX XXXX Banking Account # : XXXX They have changed the email address and phone number on the account, and placed 2 factor auth, so I can not access it.
Product: Credit reporting or other personal consumer reports

Subject : Urgent Resolution Needed : Correcting FCRA Violations in My Credit Report Dear Equifax, I trust this message finds you well. I am reaching out urgently to address significant discrepancies in my credit report that directly conflict with the guidelines stipulated by the Fair Credit Reporting Act ( FCRA ). Following a thorough review of my credit profile, it has become apparent that multiple errors persist, indicating a notable oversight of FCRA regulations within your agency. 

Key Highlights : The Fair Credit Reporting Act stands as a fundamental federal statute governing the accurate acquisition, retention, and transparent dissemination of consumer credit information. 

Instances of FCRA violations in my case comprise : Creditors providing inaccurate financial data to reporting agencies. 
Reporting agencies consolidating individuals ' information based on names or social security numbers. 
Agencies failing to adhere to prescribed dispute handling protocols. 
Under the Fair Credit Reporting Act, I am entitled to : Verify the accuracy of my report, especially for employment purposes. 
Receive notification if my information has been used in credit applications or other transactions against me. 
Dispute and demand the correction of incomplete, erroneous, or unverifiable data. 
Request the removal of outdated negative information within specified timelines. 
I formally request the immediate removal of the listed items below, as they distinctly breach FCRA standards due to inaccuracies, lack of verification, and persistent invalidation. Their presence has caused substantial distress, notably evidenced in my recent denial for extended credita direct consequence of errors originating from your agency. 

XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/2023 This address is not correct. Delete it immediately from my report. 

XXXX. XXXX XXXX XXXX Account Number : XXXX Please verify the payment status, balance, comments, payment history and account number as they might be incorrect. Fix or delete this account from my report completely. 

XXXX. XXXX XXXX XXXX Account Number : XXXX I was never late on this account. Please remove those late payments. 

I urge prompt action to rectify these violations within the FCRA-mandated timeframe. Failure to comply may necessitate exploring legal options to ensure my rights under the FCRA are vigilantly upheld. 

Thank you sincerely for your immediate attention to this pressing matter. 

Best regards, XXXX XXXX
Product: Money transfer, virtual currency, or money service

I made a purchase on XX/XX/2022 totaling {$940.00}. The purchase was for 4 pairs of shoes for my family. I opened a dispute on XX/XX/2022 with PayPal as I had not received my purchased goods and the company I ordered from went insolvent. Under PayPal 's buyer protection policy, they state that I, the buyer, am entitled to a full refund should the order never arrive. I went without any updates from paypal until they finally responded 3 months later on XX/XX/2022 saying that my case was closed and I had lost due to the fact that they didn't cover " items intended for resale ''. They abruptly denied my claim with absolutely zero evidence as I am a normal consumer trying to purchase shoes for my family. Paypal is defrauding consumers claiming they will cover buyers if there are issues with their purchases, but clearly they do not stand by their own policies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was reviewing a copy of my credit report and discovered it contained some errors pertaining to the following Personal Information. I am requesting that you promptly update and delete addresses that I never resided and may possibly be relatives address. Please see the attached copy of my utility bill for your reference. For the record I have lived in the same residence for over 7 years. This has created several issues for me in the past. I am currently in the process of buying a home I will be in contract in 30 days. I have a unverified account XXXX XXXX XXXX. I had previously disputed this account. I have never done business XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX  # XXXX Cease and Desist and I do not have any accounts with that company error please delete. See attachment below.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello My name is XXXX XXXX I have a complaint with Experian Credit Bureau. They have 2 old addresses that should not be there. 

XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX New Jersey XXXX. 

XXXX ) XXXX XXXX XXXX # XXXX. XXXX XXXX, New Jersey. XXXX These two addresses should be remove
Product: Checking or savings account

I deposited my tax return in to the atm for the amount of XXXX dollars. A receipt came out error they denied my claim XXXX  because they didnt tell me I needed a receipt which I didnt know until a couple weeks prior to my claim.
Product: Checking or savings account

I regularly take out " XXXX '' advances on my account. I got behind in repaying the loan and MoneyLion regularly takes out loan payments from my account despite their website saying that I can follow the prompts to remove payment methods in the app, I can not. As a result, on XX/XX/2021 I had a deposit of {$300.00} for my payroll and MoneyLion immediately took {$300.00} dollars of this deposit, nearly all of it, for the loan repayment. I fell that this is predatory and wrong. They have taken the lions share of this month/s income with loan payments and advance repayments and it's literally causing me to go without food and now, possibly shelter. 

Their own website states that consumers are under no obligation to repay the advance, but they make it nearly impossible to stop as the option to remove the payment method simply doesn't exist. 

Further, I attempted to defer the payment in their app, and there is apparently no record of the times I've submitted a deferment via the app. 
https : //moneylion.zendesk.com/hc/en-us/articles/360033425931-What-happens-if-I- can not -make-my-Instacash-repayment-
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding the persistence of discharged student loans on my credit report. Despite providing the necessary documentation, including the discharge letter, the credit bureaus have neglected to update my report accordingly. 

The inaccurate reporting has adversely affected my creditworthiness, despite my compliance with all procedures. I request the CFPB 's intervention to ensure the immediate removal of these entries and to prevent similar occurrences in the future.
Product: Credit card

On XXXX/XXXX/2016 cust received a alert on her phone informing her of {$900.00} worth of charges on her Macy 's account. 
- XXXX called Macy 's and informed them charges were fraud. 
- XXXX submitted info requested by Macy 's which included PR and Identity Theft Affidavit certified mail on XXXX/XXXX/2016 and also faxed info because they stated they never received info. 
- XXXX has been receiving bills monthly from Macy 's for fraud charges and recently received collection notice this week. 
- XXXX called Macy 's on XXXX/XXXX/2016 and was on the line for about 3 hrs until she was transferred to XXXX with the Consumer Protection Group at Macy 's. 
- XXXX stated she would place a note on collection file, process info and to allow 2 billing cycles for charges to be investigated and be removed, case # XXXX.
Product: Debt collection

In XX/XX/2020, a company called EOS CCA started reporting 4 medical  collections on my credit report. I have yet to receive any type of corresponce from the company regarding this debt. I should have at least received a debt validation notice in the mail, but I haven't even received a phone call.
Product: Credit reporting, credit repair services, or other personal consumer reports

Tennessee Department of Human Services, under 15 U.S Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate it lists the XXXX XXXX court as the furnisher that's forgery and misleading when the courts don't report this type of account
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my credit profile and I noticed that there are several items reporting that do not belong to me. These items are reporting either in error or as a result of identity theft. I have sent letters to the credit agencies informing them of this matter and they still have not corrected the matter.

The following items that are reporting in error : XXXX   Wireless Account ( result of identity theft ) There are late payments showing on XXXX XXXXr and XXXX XXXX ( I was never late on these accounts ) Names : XXXX  Addresses : XXXX XXXX, XXXX XXXX   There are unauthorized Inquiries reporting : XXXX ( 2 Times ) XXXX XXXX ( 4 times ) XXXX XXXX   XXXX XXXX XXXX XXXX ( 9 times ) XXXX XXXX XXXXXXXX XXXX XXXX  ( 2 times ) XXXX  ( 2 times ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( 3 times ) XXXX XXXX XXXX ( 2 Times ) XXXX XXXX XXXX XXXX
Product: Debt collection

I have been complaining for a year to Citibank, NA/XXXX  that I am a victim of a fraud at a gas pump. Someone then used whatever ID they stole to obtain a {$500.00} cash advance. Citi wants that from me plus interest and fees of {$270.00}. I have asked over and over for proof they might have as to who did this, signatures, ID used, pictures etc. They just ignore my requests that they investigate the matter and have placed the account with a collection agency called XXXX. I made the same requests of them to investigate on XX/XX/XXXX and at this point have heard nothing. My credit is perfect, or was, but I will not pay a debt I did not incur.