23daVinci/CFPB_Complaints huggingface dataset:
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 TransUnion credit bureau must validate this item in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting item as unverified information without providing any proof within the period allowed by law. This account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Date Opened : XX/XX/18 Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Pursuant to 18 USC 8, I owe no debt, This company ( XXXX XXXX XXXX XXXX XXXX is violating my consumer right to privacy pursuant to 15 USC 1681b 2.company has also NO permission to report ANYTHING using my pursuant to 15USC 1681 4 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 or information, other than records of convictions of crimes which antedates the report by more than XXXX XXXX 
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 know or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

At XXXX, XX/XX/XXXX I received a phone call from Wells Fargo Customer Service XXXX I verified the number was the same as on my debit card. XXXX XXXX from WFB Fraud and Security Department then verified it was me by reading the last 4 digits of my SS # back to me. He stated there was suspicious activity on my debit card and described several transactions made in Texas ( I live in California. ) I stated they were not my charges, so he began reciting a series of charges, locations and gave me 'reference ' numbers to write down. During this process he suddenly exclaimed someone was attempting to initiate a {$25000.00} wire transfer to a XXXX XXXX as we were speaking! In a rush to prevent this, I followed his directions which involved reading off or typing 6-7 digit numbers into messages on my phone including my password followed by the word STOP. I needed to do this to prevent the wire-transfer. He was on WFB 's customer service line and I believed he was an employee of the bank! After we stopped the wire transfer, he inquired about other accounts and noted he could check them for fraudulent activity as well. About 20 minutes after we hung up I received a notice from XXXXXXXX XXXX where I have other accounts, informing me someone from an unfamiliar device was requesting access into my account. It was then I realized I fell victim to a fraud. But it was too late. WFB had already transferred {$25000.00} to a XXXX XXXX account with XXXX XXXX XXXX. And charge me a {$25.00} fee for the transfer!
Product: Credit reporting, credit repair services, or other personal consumer reports

Frauding scams using XXXX Indiana and XXXX Indiana title work attached to towns social numbers and birth certificate and XXXX   record and schools records, 50 states frauding cases Also frauding scams using XXXX fraud ids and business permits Frauding scams using XXXX business permits and ids There was others counties of Indiana which wrecked on that location of data
Product: Credit card

1. No one EVER answers the phone when you call the customer service number printed on my credit card statement. XXXX or XXXX XXXX. As of a month ago, my online portal showed me having a {$0.00} balance, which is inaccurate, but I chalked that up to the notice on my statement announcing that the Yard Card ( Retail Credit Card ) was upgrading to a new web portal access. However, using the instructions on my paper credit card statement, the new portal would not allow me to login using my same credentials. I attempted to re-register, but the first question it asks is my full credit card number and when I input that information it says that I'm not providing a valid credit card number. 
Can you please help me with this?
Product: Bank account or service

I had around XXXX dollars in my account. I wrote checks to cover bills. XXXX check was written for {$830.00} and the other was written for {$34.00} to XXXX XXXX XXXX checks went to US Bank on XXXX XXXX. The agent for the bank misread the checks. They thought the check for {$34.00} was fraudalent and returned it to XXXX.US bank cashed the other check for the wrong amount for XXXX 
I had written other checks thinking there would be no problems that also went through and US bank cashed them,, A few days later XXXX XXXX XXXX sent the check for {$830.00} through again. This time US bank cashed the check knowing I did not have enough money in my account to cover the amount. They coldly cashed this check ( with not enough funds in my account to cover it and I had no overdraft protection ), they charged me an overdraft fee of {$36.00} and a fee of {$25.00} for over limit fees. This took my checking account to - XXXX 
Seeing this improper behavior of the US bank system I called them and stopped payment on XXXX more checks. My account was overdrawn so I did not want anymore charges. US bank still took in a few more transactions they knew I did not have funds to cover and charged me more fees of {$36.00} and {$25.00}. This took my account to a negative XXXX Again, US bank knew I did not have funds in my account to cover any transaction! 
Days later I received notices from US bank acknowledging my stop payment transactions. I saw a check for {$62.00} that I had stopped payment on. US bank cashed this check in spite of my stop payment. This unscrupulous bank behavior has my account now overdrawn for XXXX Banks are supposed to serve customers not prey on them for fees! These bank behaviors are predatory and should be stopped! 
XXXX XXXX XXXX ( Nevada resident )
Product: Credit card or prepaid card

I have a Chase XXXX card. 

I sent a XXXX payment to some family members overseas on XX/XX/2011. 

I have been charged cash advance interest fees for the past 3 months, despite the fact that I have automatic payments set up with Chase to pay my entire account balance every month ( as the option noted as " statement balance '' ). 

When I called Chase to complain about this, they said that the only way for me to avoid this would have been to make a manual payment in the entire amount of my balance. 

Chase provides no option for a consumer to automatically pay their entire credit card bill off every month such that they avoid interest fees like the ones I have been charged. 

This is an unfair business practice. If I have set up automatic payments to pay my statement balance very month, I should not have to pay additional interest fees in subsequent months. 

Chase does not provide any additional options for consumers to pay off their statement balance automatically, thereby making it MORE difficult for a consumer to avoid interest charges, even though they are automatically paying their balance every month.
Product: Credit reporting, credit repair services, or other personal consumer reports

There's an inquiry made from XXXX 's on my credit profile which was the result of identity theft. Transunion was informed on XX/XX/2018 by XXXX  that my identity was compromised and this was inquiry was not made by me.
Product: Debt collection

This company by the name of portfolio recovery is making my life hard very hard and stressful to all the calls that I keep receiving from different numbers and fraudulent tactics that they are using, by calling me with area code from Texas, New York, XXXX, Florida etc. calling me on a Sunday morning all time of night and day. I am a 100 percent total and permanent XXXX veteran that is currently suffering with XXXX and XXXX XXXX and it is not fair for this company to keep on bothering me. It is very unfair, unjust and unconstitutional for this company to be harassing people the way that they are doing. I have no business with them and I truly want them to stop or by any means to find a way to sue them and I will contact an advocate to help me deal with this company. Please make them stop it is not fair
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the fair credit reporting act Collections account XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States that i have right to my privacy. 

15 U.S.C 1681 section 604 A. section 2 : It also states that a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

This is fraudulent! These companies are in violation of

18 U.S. Code 1028A. Also, I did not consent to authorize the sharing of my non public information. T
he reporting of the information is NOT fair and equitable to me as the consumer.

15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 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 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.

Also, they aren't even in compliance with Metro 2 credit reporting.

I have evidence to prove my case! 

LIST OF ACCOUNTS BEING CHALLENGED ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

A lawsuit petition for {$11000.00} from Persolve XXXX, LLC was served via process server on XX/XX/XXXX. An official answer was submitted on XX/XX/XXXX. Affirmative Defenses included the following : XXXXDefendant is not liable to Plaintiff because Plaintiffs claim for breach of contract is barred by the four-year statute of limitations in Texas Civil Practice & Remedies Code section 16.051 XXXX 

XXXX. Defendant is not liable to Plaintiff because Plaintiff lacks standing to sue. 

XXXX. Defendant is not liable to Plaintiff for the amount of damages claimed because Defendant is entitled to offset. 

XXXX. Defendant is not liable to Plaintiff because Plaintiff was not a party to the original transaction. 

XXXX. Defendant is not liable to Plaintiff because the agreement does not comply with the requirements of the statute of frauds. 

On XX/XX/XXXX, Persolve XXXX, LLC submitted a motion to dismiss. This order was granted on XX/XX/XXXX. Persolve XXXX, LLC has continued to report an outstanding balance to ( 2 ) credit bureaus, XXXX and XXXX. Persolve XXXX, LLC recently updated an outstanding balance of {$21000.00} to XXXX and an outstanding balance of {$21000.00} to XXXX. 

This issue has been dispute with XXXX, XXXX, and Persolve XXXX, LLC. All of which have filed to remove this reporting. This negative and false reporting has caused a financial hardship.
Product: Mortgage

Freedom Mortgage became the servicer for my home loan on XXXX XXXX. I made the XXXX payment to my old servicer, XXXX. Freedom Mortgage incorrectly calculated my mortgage payment. They had it at a higher amount. I made my XXXX payment to Freedom. They claimed the XXXX payment was not enough, so they applied no funds to the loan. They obtained the payment made to XXXX. They now had XXXX payments, which they calculated to cover XXXX, because they miscalculated my mortgage. This meant I had XXXX payment made, over 2 months, with a pending positive balance, but not enough to cover the incorrectly calculated mortgage amount. After receiving a stack of paperwork from Freedom saying I would be charged late fees and my credit adversely reported, I called Freedom and they acknowledged my account was current. I received stacks of collection mail in XXXX and XXXX. I called again in XXXX. They confirmed the error was on their end. They were going to put in a " work order '' to correct their accounting error. Stacks of collection mail, notices, threats, late payment charges, and negative credit reporting in XXXX and XXXX. My credit has dropped as a result from over XXXX to the high XXXX. I called again in XXXX. Was supposed to receive a call back from a manager the next day. No call. I am now going to send them a demand letter including a demand for payment for my time in having to deal with this issue, at my billable hourly rate, and the defamation of my credit. I intend to seek attorney fees and expenses associated with their error and fraudulent misrepresentations in stating that my credit would not be negatively reported and that I would not be charged late fees for their error.
Product: Credit reporting or other personal consumer reports

In XX/XX/year> my city and my zip code ( XXXX TX XXXX ) were severely impacted by XXXX XXXX. My property was damaged with the roof partially lost, the windows and glasses broken, the electric power lost for multiples days and my electric equipment damaged. To prioritize the safety of my family, we moved to a shelter, filed and were approved for XXXX assistance. At the same time, I contacted our mortgage company XXXX XXXX XXXX ) and filed for Disaster Forbearance which they approved ( see attached correspondence from both XXXX XXXX  and XXXX in XX/XX/year> ). We are still in forbearance while saving to get our house repaired. To my surprise, I recently discovered that the credit bureau is reporting a 30-day late payment for XX/XX/year> while our mortgage was and still to date in forbearance. I contacted XXXX XXXX and the credit bureau and requested that account to be updated to its accurate status either 'IN Forbearance '' or " Paid AS Agreed ''. More than 90 days after my request, the account is still showing a 30-day late payment. This incorrect information has damaged my ability to access credit to repair and return in my house. The credit bureau is blatantly in violation of my right according to the law : - 15 U.S. code & 1681a - Definitions ; rules of construction I U.S. code I US Law I LII - 15 U. S. code & 1681s-2- Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of Information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors.

- 15 USC & 1681a 2 ( A ) ( I ) -- Exclusions - Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( A ) subject to section 1681s-3 of this title, any - ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;
Product: Money transfer, virtual currency, or money service

Citibank is refusing me access to manage my own account. They've demanded that I look at all sorts of issues on my end of things ; however, it is definitely a problem on their end. After a week of back and forths ( including multiple attempts to contact someone at CitiBank who can help ), I'm at wits end. Citibank is refusing to allow me to stop transfers out of my own account. The only error information they give me is : " We've encountered an issue and are unable to complete your online transaction. If you're having problems completing this process, please call Customer Service at XXXX press Option 0 then option 7, or call XXXX XXXX if you are outside the U.S . Please have your ATM or Debit Card number available. ''
Product: Vehicle loan or lease

This company has violated my rights as the customer. Under the Fair Credit And Rights Act this company has committed the following 15 USC 1681 section 6, I have a right to privacy, 15 USC 1681 a customer reporting agency can not furnish my credit without written consent and instructions. 15USC 1666 b a creditor may not treat a late payment on and open consumer credit account for any purpose.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

In XXXX XXXX, I reviewed my credit report via XXXX after being denied credit to refinance my house. I was advised that I had XXXX civil judgments on my credit report. Both civil judgments occurred in XXXX XXXX, Fl. I pulled the docket numbers ( XXXX and XXXX ) from XXXX XXXX Circuit Court. The defendant in both cases is XXXX XXXX XXXX, XXXX XXXX XXXX, FL with a date of birth of XXXX/XXXX/XXXX, SSN : XXXX. Debski Associates was the plaintiff for XXXX and XXXX was the plaintiff for XXXX. My name is XXXX XXXX XXXX, XXXX/XXXX/XXXX, Last 4 SSN : XXXX. I notified both plaintiffs on XXXX XXXX XXXX that XXXX XXXX collection and derogatory information ( attached documents ) was placed on my credit report erroneously and I wanted it removed expeditiously. Four months later it was removed from all XXXX credit reports after my credit score dropped, my credit agencies closed my accounts or reduced my credit limit. This also affected my security clearance for Department of Defense. 
In XXXX XXXX, I received a letter from a credit card ( XXXX Bank ) stating that my credit limit was being reduced on credit card due to serious delinquency and collections. I pulled my XXXX credit report and the previous collections ( XXXX and XXXX ) from XXXX XXXX Circuit Court were placed back on my credit report, to include additional delinquent credit card and mortgage accounts. At this time, I have been refused credit as well as the ability to lease a house. My credit score has dropped over XXXX points and once again my security clearance is in jeopardy. I contact the XXXX Credit Agencies and pointed out the disputes on the reports reference to XXXX XXXX XXXX. However, all agreed to look into the disputes but none was able to explain why this issue occurred again. XXXX actually told me to contact XXXX XXXX XXXX and have her fix her credit issues. I attempted to make contact with Debski Associates and XXXX to get this issue resolved ; however, neither company would address the issue and told me to contact the Credit Agencies. I 'm prepared to provide copies of my XXXX and XXXX XXXX credit report, the dockets, and letters to the XXXX plaintiffs.
Product: Credit reporting or other personal consumer reports

I received a notice from Experian telling me that I would need to opt out of a new information collection policy. 

The process wasn't straightforward ( had to log in, then unclear where to opt out ), and since I don't get much value from Experian and dislike their repeated emails and nag screen trying to upsell me whenever I log in, I decided simply to cancel my account with them. This revealed additional dark pattern practices. 

I saw no clear link for this. I engaged with their AI chat and it told me that to cancel I would have to phone them during working hours. 

I called them and got a very inflexible automated service which understood that I wanted to cancel, but it insisted that I explain why. I replied " dark patterns '' twice and it claimed that it couldn't understand me and would not proceed with the cancellation. I gave a fuller explanation but it continued to ( it claimed ) be unable to understand my response. ( I had spoken very clearly. ) It ended the call and I never spoke to a live individual. 

For a credit reporting company ( one of an oligopoly of such services ) to be this impenetrable is clearly unacceptable and a disservice to citizens. Please require minimum criteria for ease of account cancellation AND data deletion. Experian has been breached in the past and, like many data aggregators, continues to modify their " privacy policy ''. 

Thank you for your consideration.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have these hard inquiries listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

XX/XX/2018 A fraudulent loan was opened by Veros Credit in my name for a vehicle. I have informwd Veros Credit that this loan is a result of identity theft and have sent them identity theft documentation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Company : XXXX  XXXX Account # XXXX Description : Inaccurate because the 2-year payment history for XXXX, Equifax, and XXXX are reporting different dates and inconsistent payment history for the dates between XX/XX/XXXX - XX/XX/XXXX. Also, the date last active reports XXXX XX/XX/XXXX, Equifax XX/XX/XXXX, and XXXX XX/XX/XXXX. All 3 bureaus can not be right. All reporting must be 100 % accurate. 
I submitted this dispute with Equifax online on XX/XX/XXXX. And their investigation was complete on XX/XX/XXXX. Which makes me believe all my documentation submitted for evidence was not considered. Also, the Equifax upload portal is always conveniently having issues when documentation is uploaded.
Product: Credit reporting, credit repair services, or other personal consumer reports

Paid student loan has not been removed.