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

Equifax and XXXX are incorrectly reporting me as an Authorized User on the XXXX partial account number XXXX. ( Please see page 8 of the attached credit report. ) I called and let them know that I did not give permission to be added as an Authorized User. They removed me as an Authorized User on XXXX however Equifax and XXXX   have not removed this from my credit report. I have contacted the two bureaus to fix this issue however, I have not been successful. This negative reporting is harming my credit score and this line item needs to be removed from my credit report.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX did a hard inquiry on the date of XXXX XXXX XXXX  on my account thats not authorized by me myself I recently was incarcerated and lost all identification account is fraud
Product: Credit reporting

First I felt I was getting no cooperation from the TransUnion the credit bureau. I kept getting Verified, No Change letters but no documentation of how determined despite having asked several times. In a phone call TransUnion finally says there is no documentation. The documentation lies with the creditor and the creditor does not have to provide TransUnion with that documentation. XXXX XXXX XXXX has continued to respond to TransUnion on a debt showing last activity in XXXX of Verified, No Change with erroneous activity reported for XXXX - XXXX submitted, reporting a first deliquency in XXXX ( and then closing the account XXXX ). When I try to contact XXXX XXXX XXXX directly they only tell me they sold the debit in XXXX ( already well past the 7 year reporting date ) and refuse to do anything to assist me. They wo n't write me a letter stating who they sold the debt to so I can provide to the credit bureau, they wo n't report it to the credit bureau, they wo n't remove the information on my credit report being reported in their name. They will only tell me it was sold to XXXX XXXX XXXX XXXX which only goes to a busy signal everytime I try to call. I do have records of this number calling back in XXXX. Again last payment history XXXX should have already been long off my credit report and no legal liability existed due to statue of limitations at the time XXXX sold the account showing on my credit report ( only XXXX of the XXXX ). I feel TransUnion and XXXX XXXX XXXX could have fixed this and if issue of this reporting is with XXXX XXXX XXXX then fraud in re-aging the account. I found a XXXX XXXX XXXX online with a different toll free number based out of XXXX with complaints and actions against it but not XXXX answers even though says business hours. When I discovered this error several years ago ( disputed 7 times so far over 2 years ), it cost me hundreds of thousands of dollars in financing and tens of thousands more since then.
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 XXXX Credit bureaus 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 3 credit bureaus have NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$2100.00},
Product: Credit card

I just received my BBVA Compass XXXX card on XXXX/XXXX/2016 after activating and attempting to use my card at XXXX it was declined. I have no idea what to think about my business interactions with BBVA Compass bank. I have had nothing but issues and frankly this is VERY upsetting. Why is BBVA bank treating me in this fashion? I have done nothing wrong. I called customer service and they informed me the account was opened on XXXX/XXXX/2016 and closed on XXXX/XXXX/2016. WHY ARE YOU DOING THIS? I have done nothing wrong to BBVA Compass to receive this treatment.
Product: Debt collection

Third party agency furnished an account for me using my personal identifying information. Which is identity theft! 

There is no binding contract between me and this third party agency. 

This agency is also participating in solicitation as my personal information was sold to them or transferred. 

Pursuit 18 U.S.C. 1029
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXXXXXX XXXX XXXXXXXX XXXX with account # XXXX opened on XX/XX/2019 and a balance of {$0.00}. 

The late payment should not be on my credit report I was never late and the account is paid in full and closed please correct asap.
Product: Credit reporting or other personal consumer reports

I XXXX XXXX XXXX last XXXX of ss # XXXX XXXXXXXX XXXX Account Number : XXXX Date fraud began : Date that I discovered it : Total fraudulent amount : XX/XX/XXXX XX/XX/XXXX {$260.00} Credit Card Opened by the Thief Company or Organization : XXXX XXXX, XXXX Account Number : XXXX  Date fraud began : Date that I discovered it : XX/XX/XXXX XX/XX/XXXX Total fraudulent amount : {$120.00} Credit Card Opened by the Thief Company or Organization : XXXX XXXX Account Number : XXXX Date fraud began : Date that I discovered it : XX/XX/XXXX XX/XX/XXXX Total fraudulent amount : {$720.00} Credit Card Opened by the Thief XXXX XXXX XXXX XXXX XXXX XXXX XXXX IDTheftReport Company or Organization : XXXX XXXXXXXX XXXX XXXX Account Number : XXXX Date fraud began : Date that I discovered it : Total fraudulent amount : XX/XX/XXXX XX/XX/XXXX {$730.00} Credit Card Opened by the Thief Company or Organization : XXXX XXXX Account Number : XXXX Date fraud began : Date that I discovered it : Total fraudulent amount : XX/XX/XXXX XX/XX/XXXX {$430.00} i am disputing the following information on my XXXX, Transunion , and XXXX credit report as it in inaccurate and negatively affecting my credit standing. The reported item from the following creditors with the account numbers located above is incorrect due to the identify theft. I did not authorize this account, nor do i owe the claimed amount. This error is causing unnecessary damage to my credit score, which is impacting my financial well being. I am requesting under FCRA 605B ( 15 USC 1681c-2 ) that this inaccurate information be investigated and removed from my credit fi le. I have attached supporting documentation such as my photo ID and proof of address, to verify me and ensure this matter is resolved promptly. I appreciate your immediately attention to this issue and request that i be informed of the outcome of your investigation ASAP.
Product: Checking or savings account

On XX/XX/2020 my account was XXXX  XXXX I did a cash deposit of XXXX XXXX two XXXX dollar bills and one XXXX dollar bill which left my account a XXXX  XXXX I wake up the next morning the bank is saying I am a negative XXXX buck I called they took off the XXXX over draft fee but my account still XXXX  XXXX bucks and some change!! Here is the thing this has happened numerous times which I did t have prof but I have this prof where the banks just do what they please now I want all my money from where they have done wrong or Ill file a class action lawsuit against BANK OF AMERICA
Product: Credit card or prepaid card

OnXX/XX/XXXX I made a purchase with my Walmart synchrony card, at a Walmart for {$300.00}. The most recent purchase raise the balance to a little over {$1700.00}. On XX/XX/XXXX I came home to a letter from XXXX XXXX stating that they were dropping my credit limit to {$1400.00} from {$5000.00}. The credit limit decrease was based on reporting from XXXX suggesting identity fraud and non reported new address. The credit limit decrease instantly put the credit card over it's limit and reporting that I am now utilizing 100 % of my credit. Upon calling synchrony I discovered that their fraud department had no indication of fraud on my account and a supervisor could not explain what was being reported on the letter. I was advised to contact XXXX. I have been unable to reach a person at XXXX to explain what is being reported. My credit score has now also been affected by a 120 point drop due my credit limits now being maxed out. After checking my report with XXXX   on XXXX XXXX there are no indications of any kind of fraud or changes to my report. Synchrony decision to reduce my credit limit and inability to explain the reasons has adversely affected my credit score. I have a 100 % positive payment history on not only this account but every other account in my name. I have since opened a XXXX XXXX XXXX XXXX card to transfer the balance so that I may close out the synchrony card. I was granted a {$25000.00} credit limit based on the same credit score and information that synchrony used to drop my credit limit on their card. This was an unfair practice that no one has been able to explain to me.
Product: Credit reporting or other personal consumer reports

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. 

XXXX XXXX {$23000.00} XXXX XXXX {$92.00} XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1100.00}
Product: Debt collection

XX/XX/XXXX - court date & Judge dismissed due to loss of job XXXX XX/XX/XXXX - XX/XX/XXXX - LVNV Funding called me every single day, multiple times a day threatening me & falsely accusing me of debts not owed. 
XXXX per XXXX XXXX notifications- The amount of debt owed increased {$36.00} XXXX per XXXX XXXX notifications- The amount of debt owed increased {$120.00} XXXX per XXXX XXXX notifications- The amount of debt owed increased {$230.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX Under the fair credit reporting act I sent to XXXX, Trans Union, and XXXX  letters requesting to remove. unverified non- account holding inquires. 
the non acount holding inquiries were XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX all of which are unverified accounts. I also requested to have all credit freezes and security alerts removed from my account. 
Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 
Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. 
If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. 
Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. 
Please provide me with a copy of an updated and corrected credit report showing these items removed.
Product: Student loan

On XX/XX/XXXX, MOHELA, my student loan servicer, sent me a message indicating my annual recertification was coming up. It did not include any actual deadlines or other key details. 

On XX/XX/XXXX, I sent MOHELA a message that there was message was not clear and, moreover, per Federal guidance at https : //studentaid.govXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, they are not permitted to ask me to re-certify before XX/XX/XXXX. I asked them to push out my recertification to next year as provided in the guidance : " If your recertification date falls between now and XX/XX/XXXX, it will be pushed out by one year. For example, if your account says your recertification date is XXXX XXXX, XXXX, that date will be pushed out to XXXX XXXX, XXXX. '' They have not responded at all as of XX/XX/XXXX and my payment now shows around a $ XXXX payment instead of the prior ~ {$300.00} payment. The payment is coming up on XX/XX/XXXX, so this is getting more urgent. 

I really appreciate your help. I am just trying to get this servicer to follow the rules the government requires. Please note I also submitted a complaint at Federal Student Aid. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have Child Support with 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. I have read enough to understand my rights. The Transunion Credit Bureau is required to verify for themselves, but they failed to neither verify nor update me about these complaints, 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. I believe theyre unwilfully noncomplying with federal law & these issue is creating a ton of emotional physical stress. Id like these matter resolved ASAP as it is impacting my health & wellbeing. Please update the late payment from these accounts. Below is the accounts with erroneous information and Id like remedied ASAP. 
XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1200.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$460.00}.
Product: Credit card or prepaid card

I purchased a XXXX XXXX XXXX by Netspend on XX/XX/23 at XXXX for {$500.00} and have been unable to use it because it requires a pin. I've tried to set one online but have been unable to. I've also tried calling Netspend and have been hung up on and another time after holding for over 1 hour, they were playing phone tag with me! At this point I'm pretty tired of trying to figure it out and getting nowhere and would like to either get my money back or easy access to the money I put on the card because I'm pretty XXXX  of struggling! 
Please help me.
Product: Bank account or service

Citizens Bank, allegedly from XXXX, CT made a hard credit inquiry on me to XXXX. This was not authorized and efforts to remove it are impossible. Their phones are just answering machine. This is illegal and I want the inquiry removed.
Product: Money transfer, virtual currency, or money service

I received XXXX Amex reward cards one for XXXX dollars and the other for XXXX and was mislead into believing that I would be able to use them anywhere amex cards were supposedly accepted but I have had absolutely no luck with purchasing anything from literally anywhere with them. I called Amex and requested that the balance of the two cards be combined and sent to me as a check and they blatantly refused to assist me in any way whatsoever with this issue. I would like to be able to have access to and to be able to use the funds on the cards because this seems like a massive scam by Amex in my opinion. The cards are basically useless and simply can not be used as advertised by Amex or by any company that says that they accept Amex.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I called IRS and took measures. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknow, suspicious items I am not familiar with. Please remove these items from my report. XXXX XXXX XXXX {$380.00} XXXX XXXX XXXX  XXXX {$16000.00} XXXX   XXXX XXXX  XXXX {$20000.00} XXXX XXXX XXXXXXXX {$550.00} XXXX XXXX XXXX XXXX {$3400.00} XXXX XXXX {$900.00} CHAPTER XXXX BANKRUPTCY DISCHARGED XXXX {$0.00} XXXX  XXXX XXXX {$780.00} XXXX XXXX XXXX {$2100.00} XXXX XXXX {$0.00} XXXX   XXXX {$12000.00} XXXX XXXX XXXX {$1500.00}
Product: Credit reporting or other personal consumer reports

Trans Union XXXX and XXXX have violated my consumer rights, and I have provided proof multiple times. But unfortunately, these companies believe themselves to be higher than the law itself. 

Who is going to govern these agencies? 

By 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 - THIS ACCOUNT IS INACCURATE, I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME XXXX  - XXXX - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY. 

XXXX  - XXXX - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY. 

XXXX - XXXX - THIS ACCOUNT IS INACCURATE, I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME XXXX  - XXXX - Please verify by providing my XXXX copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY. 



Trans Union, XXXX, and XXXX have 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 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 or 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 data is inaccurate.
Product: Credit card or prepaid card

My account was charged off during the peak of the pandemic in XX/XX/2020. With no option to pay. You attorneys are scamming me in court and are being exposed for lying after the knowing know it was forgiven. I have rights during the pandemic why am I being discriminated?
Product: Consumer Loan

I applied for a loan with Cash Net USA last month when I desperately needed some cash to keep me and my family from being evicted from our home in XXXX, VA. I was desperate at the time and admittedly I did n't read the " fine print '' in the loan documents. 
Cash Net needed my routing number and account number in order to deposit the money in my account. The loan was for {$1000.00}. 
But as it turns out, aside from using the information only to deposit the funds into my account, they also use the information to draft my account without setting up an autodraft with my lending institution. 
Once I realized the ramifications of my actions, I read the " fine print. '' As it turns out, I am being charged a fee of {$150.00} for administrative charges. They are also charging 300 % APR. 
As is the case with desperate people such as myself, my family 's welfare is more important to me than being shaken down by legal loansharking. 
I have the emails sent to me from Cash Net verifying the above information. 
They will draft over {$200.00} from my account ( currently overdrawn ) for the first of 12 installment payments on XXXX causing additional fees and charges. 
I am doing the best I can to get back on my feet, but am unable to right now as I am currently XXXX at the VA hospital in XXXX, VA. I am working through some combat-related, service-connected issues. While the additional stress is challenging my recovery, I realize that is not your problem. 
Is it legal to draft someone 's checking account without the account holder setting up their autodraft at their lending institution? 
How is charging 300 % legal anyway? 
How is this not considered to be predatory lending? 
As I stated earlier I can forward the information I received from Cash Net, but am unable to do so on this platform. 
Please advise me on what I may be able to do to resolve this situation. 
Thank you in advance for your time and consideration, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account Name : XXXX XXXX, Account Number : XXXXXXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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