23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

To whom it may concern, I recently disputed the XXXX  Account with TransUnion in XXXX and XX/XX/scrub> 2024 Transunion stated they completed a thorough investigation. They DID NOT. 

TransUnion was reporting inaccurate information the whole time TransUnion is reporting inaccurate information. 
TransUnion did not conduct any investigation into the accuracy or validity of this information being reported. 
This fraudulent account is being reported by TransUnion XXXX deleted XXXX ( see attached ) XXXX deleted XXXX ( see attached ) TransUnion must report accurate information, XXXX is no longing being reported by the other credit agencies
Product: Debt collection

To CFPB I decided to check my credit report and surprise surprise I find some company called XXXX XXXX has placed multiple fraudulent charges on my report through Paramount Recovery Systems. I do not owe this company anything, I DON'T EVEN KNOW THEM!!! 
I am hereby requesting a formal federal investigation into this company and I want them fined XXXX XXXX XXXX dollars as you have done to other companies that have violated the law. I am further sending this report to the Attorney Generals office for an investigation and will pursue criminal charges against this company.
Product: Debt collection

This lady " XXXX '' from precise financial group called my employer while I was working asking for me & being extremely rude and disrespectful to the person answering the phone. I work in XXXX so they have to ask questions of who is calling due to confidentiality of patients. She then got a hold of me & was being threatening, rude, talking over me, after I said several times do not talk this way you are being unprofessional and not talking like a grown lady. I then said this is my XXXX time asking you to NOT CALL MY JOB, we went back & forth I told her to give me payment options and she was rude an said the amount she needed to collect, she also asked when can I make a payment I said XX/XX/XXXX & she said NO I CAN NOT WAIT THAT LONG YOU HAVE HAD LONG ENOUGH TO MAKE A PAYMENT I NEED A PAYMENT NOW I then said you don ; t know my finances and what I pay I ca n't make a payment today!
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax shows an account in collections for {$360.00} yet the report reads, Creditor Contact : Not Available, Original : Not Available. This is a violation of my consumer rights not to have the contact information available on my report. I pulled my credit report today and it reads the same information. I wrote Equifax a letter on XX/XX/XXXX and received no response. I submitted a complaint to the CFPB on XX/XX/XXXX. I received a response on XX/XX/XXXX stating Equifax verified the account as accurate. This does not make sense. No action has been taken as the inaccurate information is still on display.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Transunion should not be reporting that I am ( 120 ) days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureau to remove this however, I have not been successful.
Product: Checking or savings account

I opened an Account at Bank of America in XXXX, connecting it with a credit union account where i had {$45.00} automatically sent to my Bank of America account on the XXXX of each month. those transactions were made. I did not use the account, but made the deposits regularly until XX/XX/XXXX when i closed the account. When i tried to access the account in XXXX Bank of America refused to allow me to withdraw the money because i had forgotten about the account, although the account was active each month because deposits were being made into the account from my credit union account into the Bank of America account, both accounts have my name, social security number, address and other Identification. Bank of America called it an forgotten account and they would only pay me less than {$200.00}. How can an account be a " forgotten account '' if money was going into the account monthly. I have printouts from the credit union verifing the deposits. i never received correspondence from the bank concerning this account. 
This is not a good way to treat a senior citizen who worked hard for a living and a good life during retirement. My husband worked so i could live well after his demise which accured in XXXX. This money is needed so i can have a decent, comfort life during my retirement, i am a widow and retired with only my savings to live on. What is my recourse? 
Respectively submited
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an account with XXXX XXXX XXXX XXXX. The vendor, XXXX XXXX, in XXXX, did not complete the job I paid for and cause additional damage to the transmission. I had to have the job re-done at XXXXXXXX XXXX  XXXX in XXXX, and the owner agreed to supply me with a letter stating the damage was caused by XXXXXXXX XXXX mechanic. I submitted the documentation and asked for the charges to be reversed as per my contract. XXXX refused, so I disputed the charges. On XX/XX/2018 I settled with XXXX through XXXX, XXXX 's collection agency, who agreed to list the account as " paid in full, '' without any derogatory comments, including the account having been settled or any monetary amounts having been " written off. '' At the time, I needed to have the account cleared per the requirements of my mortgage company who was financing my new home. 

I have a voice recording of the conversation with the agent from XXXX who agreed to these terms, and a letter from the collection agency, XXXX, stating these are the terms. 

XXXX has assured me that all the credit bureaus were notified of this update, but all three credit major credit bureaus ( Experian, XXXX, and XXXX ) all have inaccuracies still listed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a XXXX XXXX XXXX complaint against XXXX XXXX XXXX on XX/XX/2018. I disputed these accounts through Chexsystems and XXXX XXXX XXXX. The accounts came back " verified '' with no attach proof. My filing with the XXXX resulted in XXXX XXXX XXXX producing paperwork of transactions that went on with these accounts. That is not what I requested. I specifically asked on the first line of my complaints for copy of the signatures used to open these accounts so I could compare them to my own. I have never opened accounts without providing my signature and my ID. So, XXXX XXXX XXXX has completed ignored that request and produced a stack of irrelevant papers containing account transactions and refused to delete their damaging and incorrect reporting. According to the documents it seems no money is owed to XXXX XXXX XXXX, but they have listed fraud next to my name in reports with XXXX XXXX XXXX and Chexsystems. If they are suspecting fraud, they should have no problems complying with my demand for validation of signatures and IDs used to open these accounts. I have a right to know whether or not they collected valid identifying information. It seems they are dancing around this and opened these account for someone and did not collect validating documentation.
Product: Credit card or prepaid card

On XX/XX/2020 I was contacted by a person impersonating my pastor requesting {$300.00} in gift cards for the family of a member of our congregation in XXXX  XXXX  ( we actually had a member of our congregation in XXXX on that date ). I requested additional information and was told that Google Play cards would work as a source of funds and that the church would repay me for my expense. 
Since I was working at a client site, I had to travel to a XXXX XXXX  to obtain the gift cards. Once I purchased the cards, I contacted my pastor to get the cards and information to him. I was informed that I was a victim of a scam. 
I contacted the XXXX Police Department and filed a complaint ( case XXXX ) and contacted Google to obtain a refund on the cards - they verified that the cards have never been activated. Google refused to refund my money stating some policy that I had never seen nor agreed to. I contacted the XXXX XXXX   and got the same treatment. 
I am requesting assistance in obtaining a refund as this amounts to simple theft since Google has my money and has not been willing to return my money even though I have the cards and can prove they have never been activated.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/2022 Experian XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/2022 Experian XXXX XXXX XXXX XXXX XXXXXX/XX/2022 I have disputed these inquires before and they have not removed them even after not being able to validate them.
Product: Credit card

I am a 100 % service connected XXXX XXXX who has a Nordstrom Credit XXXX Card issued through TD Bank for all Nordstrom Card Services. This card can be used for non Nordstrom purchases and for regular Nordstrom purchases. In good faith I have been a loyal valued customer who pays off small purchases rounding from {$100.00} to {$900.00} with a balance of {$2600.00} right now and always make double payments on my Nordstrom card each month sometimes a payment of {$500.00} or more a month however I noticed when making such payments my balance wasn't decreasing because Nordstrom card services started charging double interest rates of XXXX each purchase balance combine to 48.30 % therefore I requested to apply the military lending act +MLA ) to my account however Nordstrom would not comply with my request instead Nordstrom increased both interest rates to 31.15 % combined total of interest rates at 62.30 % by sending a retaliatory letter to me dated XXXX stating both interest rates would inceease each for 31.15 % and I rejected this offer and opt-out of this offer Nordstrom card services will close my account and I must optout by XXXX by calling XXXX I called ( spoke with XXXX XXXX XXXX ) this XXXX number and requested an opt out of this increase therefore my account should have been closed however Nordstrom has increased my interest rates and hasn't close my account to the credit report bureaus when indeed my account is closed from future transactions and ir purchases my account should be reported closed for I am not accepting the offer of XXXX each for APR on my credit account.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is an identity theft pursuant to 15 USC 1681a ( Q ) ( 3 ) under the FCRA. I have filed an identity theft report pursuant to 15 USC 1681a ( Q ) ( 4 ). Just an FYI : I understand pursuant to 15 USC 1681c-2 ( c ) that you have the Authority to Decline or Rescind. I assure you the information that I am presenting to you was not blocked in error. No material misrepresentation of the fact has taken place. If you believe that I obtained possession of goods and services, I need a senior XXXX member of this company to put it on an affidavit signed under the penalty of perjury notarized.
Product: Credit card

Citibank is refusing to comply with the requirement under 12 CFR section 1026.11 ( a ) ( 2 ) to issue a refund for my credit balance within 7 business days, and is instead telling me that it will take several weeks.
Product: Credit reporting or other personal consumer reports

[ Amended complaint ] On XXXX XX/XX/XXXX XXXX closed out CFPB complaint XXXX claiming it was a duplicate of CFPB XXXX. It in fact was not as XXXX provided detailed evidence that showed the account, as reported across the CRAs, contains facially false data and illogical data. In particular, the account/trade reports derogatory information that predates earlier reports that did not include the derogatory information, and information that is plainly inconsistent with other reported information, such that XXXX piece of information must is inaccurate. From XX/XX/XXXX to XXXX XX/XX/XXXX, XXXX willfully or negligently failed to comply with its responsibilities under the FCRA found at 15 U.S.C. 1681s-2 ( b ) by initially failing to conduct a timely investigation with respect to the disputed information contained in the Consumer 's credit reports after receiving notice of the disputes by XXXX, Experian, and XXXX, by failing to review all relevant information provided by XXXX, Experian, and XXXX, with respect to the Consumer 's disputes FCRA found at 15 U.S.C. 1681i. Despite XXXX 's assertion they are reporting the account correctly they are indeed not and at minimum continue to verify facially inaccurate information with Experian, XXXX, and XXXX. While XXXX may insist " they are responsible for [ furnishing ] data [ regarding the Consumer ] but are NOT responsible for how the data is displayed [ by the CRAs ], '' they share equal culpability with the CRAs for the errors in the Consumers file for the account/tradeline because " CRA [ s ] can best fulfill [ their ] obligation to report accurately under [ 15 U.S.C. ] 1681e if [ they receiv [ e ] accurate information from a furnisher under [ 15 U.S.C. ] 1681s-2 '' ( XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXXXXXX ) ). XXXX has simply been asked to fix the errors and to cease verifying inaccurate/incomplete/misleading/false information for the Consumer. Discovers inability to fix those errors is clear indication that it lacks adequate policies and procedures for assuring maximum possible accuracy of information they furnish to the CRAs regarding the Consumer, placing XXXX in violation of 12 CFR 1022.42 ( b ) and 12 CFR Appendix E to Part 1022 at III. Violations of 12 CFR 1022.42 are considered to be willful when it is inconsistent with authoritative guidance of a Federal Agency ( Fair Credit Reporting ; Facially False Data 87 FR 64689 ( XX/XX/XXXX ) referencing XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

So I pulled my credit report XX/XX/2023. Upon reviewing my consumer report I noticed a huge amount of inaccuracies on my report. I reached out to XXXX XX/XX/2023. I reached out to XXXX XXXX on XX/XX/2023. I reached out to Equifax on XX/XX/2023. I sent them all a copy of my report with the highlighted inaccuracies and all three bureaus sent me a letter back saying that the accounts were verified or updated, but they did not correct or delete the inaccuracies which is causing me severe hardship, .mental anguish, and XXXX! I also informed them that they are breaking the law!!! According to FCRA { 15 U.S.C. 1681 }. I am demanding that this information be removed immediately! Pursuant to U.S.C. 1681 ( A ) ( B ) They did not meet the needs of commerce because this is not fair and equitable to me regarding confidentiality, accuracy or relevancy. The information is not accurate! This information is not accurate. If these transactions even took place, they should have been confidential so you in fact violated my right to privacy. You are in violation of Pursuant to U. S. C. 1681 ( D ) ( 2 ) ( a ) if this was a factual transaction, ( which you should not know because you were not there ) then this should not even be reported because the FCRA states that transactions placed solely between the consumer ( me ) and the person making the report and IT SHOULD BE EXCLUDED FROM MY CONSUMER REPORT. Pursuant to U. S. C. 1681 ( B ) Did I give permissible purposes?? A credit report should only be filled with written instruction from ( the consumer to with whom it relates ). They are all violating my rights by reporting these false transactions. Since these inaccurate items have not been removed I am filing this complaint and my next step is going to congress. They sent me a letter that said verified but they furnished no contracts with my ( the consumer ) signatures! I have attached a letter with highlighted inaccuracies! I have also attached a copy of my dl, ssc and proof of address along with there responses to me.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  I did not authorize anyone employed by these companies to inquire and view my credit report. This is a violation of Section 1681b ( c ) of the Fair Credit Reporting Act and a serious violation of my privacy rights. Validate this information with these companies and provide copies of any documentation associated with these accounts that bears my signature, authorizing a consultation. In the absence of such documentation with my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.
Product: Vehicle loan or lease

US Auto Sales went bankrupt and Westlake Portfolio Management had my loan. I was sent a email XX/XX/year> about the bankruptcy.
Product: Credit reporting or other personal consumer reports

I have repeatedly disputed the tradeline listed below because of inaccuracies but have not been able to resolve this via the furnisher or Experian. I previously brought this issue to the CFPB via Complaint # XXXX ; however, as of XX/XX/XXXX, the issue remains unresolved. XXXX XXXX XXXX XXXX tradeline is in violation of the following Fair Credit Reporting Act ( FRCA ) and Fair Debt Collection Practices Act ( FDCPA ) statutes : Section 623 ( a ) ( 3 ) of the Fair Credit Reporting Act ( FCRA ) states that if a consumer disputes the completeness or accuracy of any information furnished by any person to any consumer reporting agency, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer and Section 807 of the Fair Debt Collection Practices Act ( FDCPA ) prohibits debt collectors from using any false, deceptive, or misleading representation or means in connection with the collection of any debt. Specifically, it prohibits communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed. I attest that I, XXXX XXXX XXXX ( consumer ), am submitting the following dispute on my own behalf. I have included a copy of my driver 's license as proof of my identity. I dispute the following items based on FCRA 623 ( a ) ( 3 ) because they are INCOMPLETE. Incomplete ORIGINAL BALANCE and Incomplete MONTHLY PAYMENT. I dispute the following items based on FCRA 623 ( a ) ( 3 ) because they are INCORRECT : XX/XX/XXXX was reported as 30 days late XXXX  ' email confirmation of XX/XX/XXXX payment is attached. XX/XX/XXXX reported as 30 days late - XXXX  ' email confirmation of XX/XX/XXXX payment is attached. I dispute the entire XXXX XXXX XXXX XXXX based on FCRA 523 ( a ) and FDCPA Section 807 : The data furnisher has repeatedly failed to note that the disputed debt is disputed on my consumer credit reports. XXXX XXXX XXXX and Experian have repeatedly violated FCRA 523 ( a ) and FDCPA Section 807 by furnishing incomplete and inaccurate information at CRAs, in addition to failing to mark the disputed tradeline as disputed.
Product: Credit card or prepaid card

XXXX XX/XX/23 I was billed on my Wells Fargo credit card {$19000.00}. I have a credit limit of {$10000.00} plus {$2500.00} cash back. I did not giver permission for Well Fargo to charge over my credit limit or use my cash back or was I aware of it until I received my statement. I called to speak to a representative on XX/XX/23 about reversing the difference back to the company that charged my card and she just said that Wells Fargo could charge any amount over your credit limit they want to. Now I have fees and charges I can not afford and my credit score has gone down.I told the representative that I was going to complain to the CFPB she ask me if I wanted to be transfer over to Wells Fargo Advocate.
Product: Credit reporting or other personal consumer reports

I am contesting the presence of inaccurate personal information on my credit report. The following information does not pertain to me, and I have no association with it. I request the immediate removal of this information from my credit report. XXXX XXXX XXXX XXXX XXXX, MO, XXXX and XXXX XXXX XXXX, XXXX, MO, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax Information Services LLC has been notified by me numerous times that they are incorrectly reporting the balance of my child support account of mines by over {$40000.00}. I have provided them all the factual information to verify the correct balance with the Child Support agency, I have provided them legit documentation from the State of  California secure website that stipulates the correct balance and still they refuse to correct this account. I have provided them all documentation they have asked for and went back and forth with them for over one year. In light of the fact i know i am 100 % correct of the balance, i am taking this step as required by law before pursuing legal action in California Superior Court. I have already obtained an Attorney and been advised to take this FINAL step before proceeding with a court of law. I have been denied credit due to this high inaccurate balace, paid higher interest rates and been through emotional distress from creditors who have denied auto loans on my behalf specifically because they say the debt ratio of my equifax credit file is took high ( from equifax reporting the wrong balance )
Product: Checking or savings account

My Venmo Account was Frozen with a positive balance for no reason, closed that account transferred the balance to my primary account. Then I opened a New Account and Venmo decided that they no longer support my primary bank account anymore so they decided after I tried to link my debit card they froze my account again I have dealt with venmo for over 5 years and never encountered this problem before I have customers, Family and Friends that send me money through venmo. I had a payment sent to me from a customer on Friday and he couldn't send it, so I had the customer send it to my friends Venmo Account and the same thing happened they froze his account as he was told they were going to expedite the issue and the money would be available for withdrawal later that day, they lied and his account is still frozen, so basically I am still waiting for the account to be unfrozen.