23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I had a credit from XXXX that was sent to North Lane and they issued a refund Master card  on behalf of XXXX in XXXX. 
I called North Lane to let them know I found the sealed envelope with the card in it ( which had expired ) and I would like them to issue me a check. They said that the card had been activated and there is a XXXX balance now because they took monthly fees from the card balance. I asked when the card was activated and she could not tell me when. That they don't have record of that. ( XXXX XXXX at North Lane on XXXX ) I asked to talk to a supervisor and XXXX XXXX came on the line. I asked when it was activated and she said they don't activate the cards so they don't have records of it. I said who does activate the cards so I can find out when it was activated. She said I would have activated the card. I let her know I never activated the card so how could they start charging a fee? She THEN told me that the card was issued in XXXX and that when the card expired in XX/XX/XXXX at that time they started charging the monthly fee!!! 
This whole thing is a complete scam, the address they sent the card to was a combination of 2 addresses. How can they issue me a card on a refund without my consent and then take a fee on a card I didn't even have activated?
Product: Credit reporting 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 XXXX Account Name : XXXX : Account XXXX Account Name : XXXX XXXX  : Account XXXX Account Name : XXXX XXXX XXXX : Account Number XXXX XXXX Account Name : XXXX XXXX : Account XXXX 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

IC Systems has been allowed to report negatively on my credit report, weekly since XX/XX/XXXX. Once I noticed how often each occurrence, I disputed each action with XX/XX/XXXX. Each action was corrected ; however, they are still allowed to report within a week of filing reporting negatively on a debt owed on my credit with one week of the first. Their reporting dates are as follows : XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX, and XX/XX/XXXX. This is excessive flagging my credit with three corrections made fromXX/XX/XXXX. I am not disputing the debt, but I am fighting for my rights u see FCRA flagging an my credit report excessively in three months.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and it is effecting my livelihood my family will be homeless soon do to fraudulent information/ inaccurate on my file this is destroying my life Im under a lot of pressure with few to no options running out of time please investigate and remove inaccurate info Hard Inquiries XXXX XXXX  XXXX  Inquiry : XX/XX/XXXX + Bank ( XXXX ) XXXX XXXX Inquiry : XX/XX/XXXX + Bank ( XXXX ) XXXX XXXX XXXXL Inquiry : XX/XX/XXXX + Credit Union ( XXXX ) XXXX Collections XXXX XXXX Reported : XX/XX/XXXX + {$350.00}
Product: Credit reporting or other personal consumer reports

Dear Consumer, XXXX XXXX XXXX, I am writing to formally dispute inaccurate information on my credit report maintained by Transunion, XXXX, and XXXX. I believe that these credit bureaus have violated the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681a ( 2 ) ( A ) ( i ), by reporting inaccurate and misleading information about my account.

The disputed information is a late payment that was incorrectly reported on my credit report. This late payment is inaccurate and has negatively impacted my credit score.

I am requesting that the aforementioned credit bureaus immediately investigate this matter and correct the inaccurate information. I request that the late payment be removed from my credit report and replaced with a notation stating that the account is " paid as agreed '' or is in " good standing. '' I have attached copies of my credit reports for your reference. I am also enclosing supporting documentation that demonstrates the inaccuracy of the reported information.

I understand that under the FCRA, I have the right to dispute inaccurate information on my credit report. I am requesting that the CFPB investigate this matter and take appropriate action to ensure that my credit report is accurate and complete.

Furthermore, I would like to point out that according to 15 U.S.C. 1681a ( 2 ) ( A ) ( i ) of the FCRA, a consumer report does not include : Information solely as to transactions or experiences between the consumer and the person making the report ; Communication of that information among persons related by common ownership or affiliated by corporate control ; or Communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated to direct that such information not be communicated among such persons. The late payment reported on my credit report falls under the category of information solely as to transactions or experiences between the consumer and the person making the report. As such, it should not be considered a consumer report and should be removed from my credit file.

I believe that this inaccurate information is in violation of the FCRA and is causing me significant harm. I request that the CFPB take immediate action to address this issue and ensure that my credit report is corrected.

Thank you for your prompt attention to this matter. I look forward to your response.
Product: Money transfer, virtual currency, or money service

Im trying to do an AHC transfer to invest in a private company, and they havent received the money.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX This is completely inaccurate. 

XXXXXXXX XXXX XXXX XXXXXXXX AND XXXX This is not mine XXXXXXXX XXXX XXXX XXXXXXXX I do not recognize this. 

XXXX XXXX XXXX XXXX I do not recognize this. 

XXXX XXXX XXXX XXXX XXXX XXXX This is not mine XXXX XXXX XXXX XXXX XXXXXXXX This Information is Incorrect XXXX XXXX XXXXXXXX This is not mine INQUIRIES XXXX XXXX XXXX L XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX
Product: Debt collection

I had an account with XXXX that was plagued with billing issues. I was incorrectly billed many times, service was disconnected several times I was cussed at and hung up on by XXXX  's financial services reps. 


The account was paid. An complaint was filed with the attorney general of XXXX. XXXX responded stated the account was paid in full and issued an apology. 

They have now sent my account to collections with a third party collection agency which is now damaging my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was shocked when I reviewed my credit report and found late payments on my credit report which I thought it was already taken care of. I personally called Chase and spoke to different departments in regards to the error that was placed on my credit. They specifically told me that they will submit a request for credit reporting correction, and it still reports as an error. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Prepaid card

I bought a NETSPEND WesternUnion WU Debit Card from XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX, XXXX SC XXXX phone : ( XXXX ) XXXX for the amount of {$45.00} dollars on XX/XX/23, Card Description : NETSPEND WesternUnion WU, Card Number XXXX XXXX XXXX XXXX, XXXX XXXX, the card is issued by XXXX XXXX XXXX Member FDIC License by XXXX. I called WesternUnion Customer Care Service twice at XXXX and they said they could not help me register my card nor did they cared to try to identify me said the XXXX XXXX XXXX didn't activate the card claiming that the store has a WesternUnion Representative which sounded like a bunch a of XXXX. The WesternUnion app would not register a user name and a password for me and I called WesternUnion Customer Care Service a 2nd time and got absolutely no where with those inconsiderate reps to help me resolve this problem of registering the card, when a customer pays for service of a product that's worthless is thef, so this is why I'm filling a complaint.
Product: Credit card

Please know that I have filed a lawsuit against Bank Of America, XXXX, XXXX, And XXXX concerning the tradeline on my credit report from Bank Of America. I have already prevailed in XXXX of the cases against XXXX of the agencies. I have enclosed a copy of the complaint and proof of service. I am trying to avoid Small Claims and civil case. I am giving one last opportunity to correct their mistake and remove Bank Of America completely off of my credit report or correct the trade line as never late. 

In a recorded conversation, the representative said that they were not able to prove/send me anything that I was ever late. I have shared this phone call with the credit agency, and to Bank Of America Corporate, yet they continue to report inaccurate information about me and I have sent several rounds of letters to both Bank Of America And The Credit Agencies, all whom now have individual cases that I have brought against them, XXXX of which I have already prevailed with damages under the FCRA. 

At this point the damage has been done and I am holding all parties from the Information Furnisher to the credit agencies all responsible and have yet to receive any correspondence from Bank Of America Or The Credit Agency regarding any responses to my letters that I have sent certified mail, all were received. 

All of my previous letters via certified mail stated my reasons for dispute and were not frivolous in anyway. 

I will prevail as the protections afforded to me under the FCRA entitle me to {$1000.00} per violation. This is my final communication attempt before court in XXXX.
Product: Credit reporting or other personal consumer reports

In XXXX I reached out to XXXX XXXX  and sent them an OPT out request. I recently pulled my credit report and saw that you are still reporting their information about me. Under 15 USC 6802 I have the right to OPT out and have protections from the sharing of my nonpublic personal information to non affiliated third parties including the Credit Agencies. This is a violation of my request. 

I would like you to stop sharing my non public personal information. I have added the complaint to my request for your review. 

I have also added the letter I sent to XXXX. 

Your timely help with this matter would be much appreciated. 

Complaint ID XXXX
Product: Money transfer, virtual currency, or money service

There has been several transactions that has occurred that was not done or authorized by me. The only person that had access to my account through his email address was XXXX XXXX his email was XXXX and XXXX he is accessing PayPal account and other accounts, I got reports already on him for thefts at my home including XXXX and XXXX XXXX has been helping hack and steal
Product: Debt collection

XXXX XXXX is collecting debt and have put a ding in my credit score. The terms are incorrect, there is no debt to begin with, there shouldn't be any debt collection. XXXX XXXX would not remove the debt from the credit report. The Original debt is from XXXX and have verified with XXXX there is no debt ( see attachment ). As a XXXX XXXX, a phone line is $ XXXX  month
Product: Credit reporting or other personal consumer reports

Transunion is reporting inaccurate information on my credit report : The following report does not belong to me : - XXXX  XXXX XXXX - XX/XX/2024
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604 ( a ) section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666 ( b ) a credit may not treat a payment on a credit card account under a open end consumer credit plan as late for any purpose
Product: Bank account or service

On XXXX XXXX 2016 my wife and I went to a Wells Fargo branch to consolidate XXXX of our XXXX accounts .we wanted to close the business saving and checking accounts and transfer their balances to our personal saving and checking accounts.. The representative sent me to the cashier with a clear note telling her what she want the cashier to do. While I was waiting at the cashier my wife was waiting at the representative service desk. At the same time I picket up a phone call that distracted me for a good 5 minutes from the transaction And I just grab the receipt and call my wife : let 's go. 
The next morning .I went to check my accounts on line to review the transactions. that was catastrophic. The money from my personal account over {$3000.00} plus change was missing, and the amount from the business account was transferred to a teenager saving account that we had opened for my son. So I rushed to the same branch to see what happen to my money from my personal saving, no one could find a trace of the account and its amount .I change branch and went to another XXXX, also no one could help .Finally, late at night, By XXXX in the morning, as I could n't sleep, I called the bank toll free number. 
and they told me that they have located the account but they do n't know what happen to the money and the account seems to be closed more than a year ago.so I lost my life saving with no explanation .Is there any thing I can do? My name is XXXX XXXX XXXX XXXX 
my mailing address is XXXX XXXX XXXX, XXXX FL XXXX. 
Phone # XXXX XXXX XXXX Thank you!!
Product: Credit reporting or other personal consumer reports

My account with XXXXXXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXXXXXX XXXX  never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Debt collection

I sent written communication disputing the validity of the debt and informing them not to make any further attempts to communicate with me regarding collection of the debt without first providing written verification. No written verification was received and i have not only received repeated phone calls, but continued written correspondence attempting to collect the debt that is being disputed.
Product: Credit reporting or other personal consumer reports

I attempted to assist my nephew in purchasing a vehicle. I was going to be the primary person on the contract. I received several notifications of hard inquiries that did not belong to me. I did not sign any contract and gave my nephew money towards his car. I received a letter from the bank I have my checking savings and retirement accounts with has denied me a credit card due to an auto loan. The company in question is XXXX XXXX of XXXX NC. ( XXXX XXXX XXXX. XXXX NC XXXX ). I spoke to a representative he acknowledged I did not sign any agreement but my information is a loan application that I did not approve. I have no affiliation with this company and would like the adverse information removed from my credit reports.
Product: Debt collection

XX/XX/XXXX I moved out of a student apartment name XXXX  XXXX ( former name ) now known as XXXX XXXX. I had three other roommates, I was the last person to move out I requested prior of moving out the leasing agents do a walk through after the other roomates had moved out because items were stolen in the furnish property as well as damages, Once I moved that's when they did a walk through and charge me {$600.00}. That's an absurb amount especially since I express to them what was going on as far damages & missing items I kept pleading with the leasing agents to witness the unit before I moved out because I didn't want to get charge a damage fee. I never knew about this fee until this year XXXX. I reach out to the company multiple time and they never answer their phone and their previous corporate company sold them due to many complaints from residents, I follow up with their new corporate company I'm unable to get a response. I reach out to the debt collector they weren't helpful as well.
Product: Credit reporting or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX late open XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I'll have made repeated attempts to have this collection removed from my account. It is illegal and was a debt that was previously discharged in bankruptcy. This company has intentionally affected my credit to get {$700.00} from me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2016 {$940.00} FRAUDULENT ACCOUNT ACTIVITY XXXX XXXX XXXX XXXX THE BUREAUS INC
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, Ally Financial did an inquiry on my credit. I did not authorize this company to check my credit. Under the Fair Credit Reporting Act, it is my right to have this inquiry removed.
Product: Debt collection

Good Day, I am filing this complaint against XXXX XXXX and XXXX XXXX XXXX for whom he represents. 

XXXX has called me almost daily since XX/XX/2023, leaving me messages to call him back. Then yesterday, on XX/XX/2023, XXXX took it too far when he called all 4 of my brothers and my wife. I have no problem with someone contacting me repeatedly through phone, text, e-mail or any means necessary, but when you reach out to my family that with the exception of my wife, does not need to know my financial situation. This is unacceptable behavior from anyone, even a debt collector. 

The Fair Debt Collection Practices Act requires written notification, which I have yet to receive. Further, Florida State Law Section XXXIII, Chapter 559, Section 715 requires that when trying to collect a debt of someone residing in Florida, a written notice must be provided at least 30 days prior to any attempt to collect a debt. I have yet to receive any written notice from XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

The date on XXXX is wrong. This account keeps reappearing. Its original date is XXXX which is too old to be on my account. Also it wasnt credit it is a campgound maintence fee which we do not use or used since XXXX. We called and cancelled and they were going to sell it off ( the maintence ) to another camper.. It keeps re aging on my credit report. It was multiplyed but ccfpb took 2 off and not this one. Not sure if you forgot or if I forgot to put it in my complaint last month but its still showing on my credit report.
Product: Credit reporting

transunion has reinserted wrong unverifiable information to my report.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I transferred {$2800.00} to Transfermate for the purposes of paying my landlord before I moved to XXXX. I followed their directions to the letter, and was never informed that any information, documents, or steps were missing, incomplete, or incorrect. Transfermate never paid the landlord, which required me to outlay another {$2800.00} directly to the landlord when I arrived in XXXX. I ended up withdrawing from the academic program I was originally planning to enter, and the landlord released me from the lease, making any further payments unnecessary. I contacted Transfermate multiple times both before and after this trying to get the funds released, and requested they be refunded back to the account that I originally transferred the funds from. They have refused to do so, and have required jumping through a number of hoops despite them already having all of my account and banking information. Most recently, they have told me I now have to get a release from my former landlord, whom Transfermate refused to pay. I believe this is an attempt to get me to stop pursuing the return of my funds, and in the strictest legal sense I believe constitutes a fraud given my reliance on their multiple false or at least misleading assertions.