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

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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




XXXX XXXX # XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card

Gap visa. This account has been opened without my consent. It is fraudulent. XXXX XXXX XXXX XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Today, XX/XX/XXXX, I checked my credit score, and saw that a XXXX XXXX account had been opened in my name. My score took a gigantic hit. I did not open a XXXX XXXX account. I believe that my father opened an account in my name and used my information to commit fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts from my credit report : XXXX XXXX Balance : {$11000.00} XXXX XXXX Balance : {$5900.00} XXXX XXXX Balance : {$0.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$2300.00} XXXX XXXX XXXX Balance : {$730.00} XXXX XXXX XXXX Balance : {$5100.00} XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX  XXXX XXXX Balance : {$0.00}
Product: Debt collection

I was contacted by my employer about a XXXX XXXX from XXXX contacted them about a loan I had with another company. My employer stated that XXXX XXXX was trying to reach me about a collections case they had against me and they need to get in contact with me to get in contact with her. I was also contacted from my wifes employer with the same information to call XXXX XXXX about an outstanding debt. I have been getting numerous calls on my home phone where when my answering machine would kick on the caller would hang up with no message left. On XXXX/XXXX/16 XXXX XXXX from XXXX left a message on my answering machine and left information about a case number and to contact her a soon as possible. I had returned a call to the number she left and a gentleman named XXXX ( no last name given ) said that XXXX XXXX was not available and that he knew all the information about the call. This was before I even told him what the call was about. He told me that there company received a complaint from XXXX that I had an outstanding balance with them which I partially disputed. While talking with him he told me I had to pay them {$2800.00} that day or I would be taken to court and sued for the money. I told him that I did not have that amount and he told me I could pay 50 % and had to come up with the other 50 % within 24 hrs. I told him I could not come up with that amount for the first 50 %. He told me that I would have to get the money from family or Friends or the case will be forwarded the next day. I told him I have not gotten any information on this from them and he said he would send me a letter to explain everything by certified mail and by e-mail. I got a so called explanation via e-mail but still nothing thru the postal service which he said he would sent. This has been XXXX week ago ( XXXX/XXXX/16 ) and my mail has not brought me anything from them as promised ( XXXX/XXXX/16 ). As stated I have been getting the phone calls with no messages left. When I do get a message is very unprofessional and degrading. Today I was called at XXXX from XXXX XXXX about not following up with her company which in fact I did on XXXX/XXXX/16 when I talked to the XXXX XXXX. I answered the phone and told her that I have not received the information requested ( certified letter ) and to cease calling my home phone. I checked out XXXX with the XXXX and found out that they XXXX has a F rating with them and also was informed by the XXXX to not pay XXXX anything. I have been getting phone calls from XXXXI with different numbers showing up on my caller ID with no company name attached. I found out who they were by reverse number checks. The number that left a message by XXXX XXXX was a XXXX cell phone but the company is located XXXX. They call XXXX4 times a day and leave no return call including from the XXXX number.
Product: Credit reporting or other personal consumer reports

I am liable for this debt with XXXX XXXX XXXX XXXX I did not have a contract with XXXX XXXX Acct # XXXX they did not provide me with the original contract as I requested.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act, 15 U.S.C 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act, 12 U.S.C 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. These are the accounts that I have marked as inaccurate : XXXX. XXXXXXXX XXXX XXXXXXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXXXXXX 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 XXXX
Product: Debt collection

Large group went to XXXX THREE YEARS AGO. Now, just now, all 4 of the drivers ( each with own rental car ) gets a notice of a traffic violation? Say -- when do records of car rentals go public in XXXX? Is it after 3 years, per chance? And, none of us did anything to make us think we'd violated ANY traffic laws there. Hmm ... And now, not just a notice, but a notice that we're IN COLLECTIONS, so ( a ) our credit ratings ' necks are all on the chopping block, and ( b ) it's XXXX, and 3 years ago, so we're going to contest this how? Cedars Business Services , LLC wants me to cough up upwards of {$400.00}, just like that. Or else what? -- they trash my credit rating? Talk about easy pickin 's! They have no proof ( in part because I violated NO TRAFFIC LAWS ) ; I can't reasonably fight it because it's XXXX and I'm here ( in America ), and it's 3 years ago ; AND, I have no idea who these people ( Cedars Business Services , LLC ) actually are nor what authority they have to collect on an unproven supposed debt from a foreign country XXXX miles away as the crow flies. And, when you call them, it's a guy with an XXXX accent. And, their bill is TOO LARGE for the return envelope they include. It's a glut of suspiciousness! CAN they ding my credit? On what grounds? On what authority? If I send them my {$400.00}, who gets it? Where does it go? ; XXXX? Show me, 'cause I never got ANYTHING about this shakedown " violation '' from ANYONE but them, and certainly not from XXXX. They need to be INVESTIGATED, and if my credit gets TOUCHED by these people, I WILL fight it by whatever legal means I can come up with.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX  XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE
Product: Money transfers

XXXX through Google wallet had a lot of tech and other issues. I was being charge without getting the product. from XXXX XXXX. I 've been fighting with tap joy until XXXX XXXX when I filed a XXXX complaint on tap joy. I then contacted Google wallet Ans one rep gave some of the refunds back but his system would n't do the rest so he stated contacting my CC company to file a dispute. I did and they acted, Google closed my accounts requesting verification ID Card No. before they could open back up my account, I sent them the info, they stated within 24 hours my account would be back open. But then they contacted me back stated they suspended my account and will not open it until I ask mt credit card co. to reverse the charges back to them. ( They lied to me just to get my ID SSN and my credit card info. ) And now they kicked back the emails and responses to cover up their misdoings. after I told them I am going to report them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting incorrectly a medical collection on the XXXX XXXX XXXX in the amount of {$1700.00} - account number XXXX. ( Please see page 3 of the attached credit report. ) This account does not belong to me and is falsely being reported on my credit report. This inaccurate reporting is seriously harming my credit score. I have contacted the bureau to fix this error. This collection item needs to be removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX, who is submitting this CFPB complaint. This complaint to Experian was the result of their non-compliance with my request and their refusal of getting the items, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned items for they were found erroneous and unauthorized. 
US DEPT ED XXXX Balance : {$3000.00} US DEPT ED XXXX Balance : {$39000.00}
Product: Debt collection

Ive attempted to discuss the issue with transunion they are refusing to comply and are not removing a negative account from my credit report. Its under investigation passed 30 days. They said they did a thorough investigation but they are lying since the account has not been reported or updated since XX/XX/year>
Product: Debt collection

I received a letter from XXXX stating that I own over {$28000.00}, It may be for a credit card. I do n't have credit cards for the last 15 years.
Product: Checking or savings account

I received an offer in the mail to open a checking and savings account and receive bonuses. The terms were as folllows : " To Earn Bonus : To earn a {$300.00} Checking bonus, open your first new personal checking account between XX/XX/XXXX and XX/XX/XXXX and have at least one single direct deposit of {$500.00} or more post to your new checking 1 Official USPS Change-of-Address Form https : XXXX... 
XXXX of XXXX XX/XX/XXXX, XXXX account within 60 days of account opening. To earn a {$300.00} Savings bonus, open your first new personal savings account on the same date as the above new checking account ( direct deposit not required ) and make at least XXXX single deposit of {$200.00} or multiple deposits totaling {$200.00} into the new savings account every month for XXXX consecutive months as noted in the table below. A total of {$600.00} must be on deposit in the new savings account as of the date noted in the table below. To earn the total {$600.00} bonus, you must qualify for both the Checking and the Savings bonuses noted above. '' The offer code was XXXX, and after registering the code, I made sure with XXXX that it was registered correctly. 

I went into the branch in person, twice, to make sure the account was coded correctly to receive the bonus. Both times, representatives told me that the account was coded for a different promotion : " $ XXXX checking ( with a single direct deposit of {$500.00} or more ) + $ XXXX savings ( with {$15000.00} minimum deposit ) '' A requirement to maintain a {$15000.00} minimum deposit on the savings account is substantially different ( and worse ) than making a single deposit of {$200.00}.
Product: Debt collection

I paid this debit in full once I was able. They they labeled it as paid off or bad debt and left it in collections at 0 valence. Then my credit score went down over 20 points because they made it look like ireopened the account like I missed a payment, only I didnt. The collection was only opened to be looked at so I could pay it off. I literally have the pay off letter in my hand as Im typing this note, with the account number, dates and everything. They left it in collections in all credit bureaus I believe except one maybe.
Product: Credit reporting

I dont have credit card XXXX XXXX XXXX in my name and Social security
Product: Credit card

Citibank says that they presented to my bank XXXX a bill pay in XXXX of 2023 which I have been set up with for over 4 years and everything was always paid. Then for some reason citi says XXXX returned the payment request for XXXX on XX/XX/2023 then online said the payment was returned due to acct frozen. So I contacted my XXXX  banker and they said absolutely not that the account was never frozen and there was plenty of money in acct and when they researched it it shows Citi never even presented it for payment then I spoke with citi and got the run around and requested a manager and never got to speak to manager just got put on hold for over an hour
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report and noticed there was some information on my report that is inaccurate. I am in the process of buying a home and the information that is being shown is holding up the process. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 30 days. During the investigation period, the item I am disputing must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting my name, address, and telephone number updated and remove any other names, addresses, and telephone numbers that do not belong to me. The following account in dispute is listed below : Placed for collection:XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX, PA XXXX Loan Type : DEBT BUYER **This company is reporting on my credit report that I reaffirmed this debt. This is incorrect and they are violating HIPPA rights with this misinformation. 
Placed for collection:XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX This company is reporting that this account is correct and is not consistently reported across the three credit reports. This debt is incorrect and needs to be removed. Please notify me that the above items have been deleted pursuant to 611 ( a ) ( 6 ) [ 15 USC 1681j ( a ) ( 6 ). I am also requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. Please Delete Telephone numbers that do not belong to me as well.
Product: Money transfers

I purchased a money order on XX/XX/2016 ( to cover my rent ) at XXXX from XXXX, GA XXXX. I mailed it out on XX/XX/2016. It is XX/XX/2016 and my rental company still has n't received the money orders. Last week I contacted my rental company to ensure they had n't miss-placed them and also to advise them of whats going on. After carefully researching they have n't received them either. Monday morning I contact western union to track the money orders. After speaking with an agent he advised they have n't been cashed. He advised to wait a few more days because it can take 10-15 days in the mail ( Which I 've never known a money order to take that long ). He then proceeds to let me know after that I could file a claim and pay XXXX ( non-refundable ) to have them place a stop payment and it would take an additional 6-8 weeks before they could process it and send my money back to me. At this point I think that is ridiculous giving this is my rent money and I do n't have money just laying around to pay an additional XXXX to my rental company. I asked if he could send me an email detailing what we spoke about so I could forward it to my rental company and he told me no. I asked to speak with a manager. He proceeds to place me on hold for an hour and never came back. I called back and had to explain myself to yet another person who placed me on hold again for 30 minutes. At this point I am very frustrated. I called the next day and spoke with another young lady having to yet again explain the situation and I let her know I just would like to speak with a manager and for her not to place me on hold. She proceeds to get a manager. The manager gets on the line and I explain the situation yet again. She informs me there is a form she would have to send me via email and she could also send the email to me to send to my rental property. I thank her and wait 3hrs for this email that never arrived. I call back again only to explain the situation to another agent. The agent says oh she forgot to tell you it will take her 24/48 hrs to send you the emails. This timeframe is running into the holiday season which means I would n't technically receive the email until monday XX/XX/2016. I feel as if this is ridiculous and this is my rent money and I could be evicted and have a small son. Customers should not be treated in this manner. I do know that companies have policies and procedures but I also know they can bend for certain circumstances because the manager said they could. Whatever can be done needs to be done as soon as possible. My living situation is in jeopardy and I feel like the agents at western union could care less.
Product: Credit reporting, credit repair services, or other personal consumer reports

After I reviewed my report on XXXX, I realized that the company was not making any changes, everything was being reviewed and wasnt changed and I discovered also on my status from cfpb my complaint was closed, please I need my complaint resolved immediately, all the late payments need to be deleted, because in 2019 the company has given us an extension for the issue payment and the government has given us also right to pay in the future, please I need my complaints resolved immediately.
Product: Debt collection

I told them to stop calling me on Sundays it is not a good day for me and they continue to call me every single sunday.
Product: Mortgage

I have previously submitted to CFPB a claim against Bank of Oklahoma and Bank of Albuquerque. I have been trying to get a loan modification on my current residence that is almost {$20000.00} upside down in value. After almost 3 years I am still no further in working with both the bank and the attorney 's involved. I am wishing to stay in my home and also the Bank sent a letter stating our home would be taken over by HUD and to submit a packet to HUD for renting the property if it came down to that. I sent a packet to the address given and the packet was sent pack to me as undeliverable. I am again contacting the CFPB because I am still getting no answers to my questions and no closer to a refinance. The stress of this situation has caused many problems and I would like to just pay our mortgage and move forward. Please help me resolve this issue. 

XXXX XXXX ( XXXX Loan Name )
Product: Credit reporting, credit repair services, or other personal consumer reports

I emailed regarding a late payment that was made. Requesting a 'goodwill ' adjustment because it was reported to the credit bureau as a late payment and we have been working our butts off to pull our credit out of the gutter and restore it from bad choices made as kids. As seen by my 17 % interest rate we really need this adjustment made. We have made all other payments ON TIME or BEFORE the due date and to be told that this will not be adjusted off is very discouraging. 

My husband pays all of the bills in our household and he was out of work for ONE MONTH with XXXX. I can provide all of the supporting documentation needed for this. I have reached out to the lender letting them know we had a financial hardship and our timely payments prior to this matter should have been more than enough proof of that. In turn I received what seems to be a pre-generated response : We have received your request for a goodwill modification of the account information on your credit file. While we are sensitive to your request, due to our commitment to furnishing accurate information, we are unable to grant your request for a goodwill modification. That being said, if you believe that we have reported inaccurate information concerning your account to any consumer reporting agency, please send us a dispute notification indicating the specific information that you believe is inaccurate along with any relevant information that supports your dispute. The dispute notification should be sent to First Investors Servicing Corporation, Attn : Compliance Department, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, Georgia XXXX. 

Please assist us in this matter. 

Thank you.