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

I didn't give Authorization / Authorize too open accounts / pull and/or use my credit too open new accounts ( Identity Theft Victim - Equifax Data Breach ) ... 
@ @ @ @ @ XXXX/XXXX/EXPERIAN @ @ @ @ @ XXXX XXXX XXXX XXXX : XX/XX/2018 Amount : {$580.00} ( Fraudulent Account ) XXXX XXXX XXXX : XX/XX/2018 Amount : {$380.00} ( Fraudulent Account ) XXXX XXXX XXXX : XX/XX/2018 Amount {$2900.00} ( Fraudulent Account )
Product: Debt collection

I paid my HOA bill for this year and last year. My HOA turned it over to a collection company. I emailed the collection company a copy of my bank records. The collection company put it on my credit and it has damaged my credit. I paid {$500.00}, {$250.00} in XXXX and {$250.00} in XXXX. The bill was {$350.00}!
Product: Debt collection

XXXX had the debt for 5-6 years and they never set me any information about the repo like when it was sold for how much which is required.. Now NCB MANAGMENT SERVICES is on my credit report for this debt and when I asked for validation of debt they sent me letters of the billing statements and not proof that the debt was mine or that they tried to contact me before adding this to my credit reports which has no ruined my credit.XXXX I sent them a letter asking for proof of sell and the amounts the vehicle was sold for.. I sent this to them more than 30 days ago and have not heard back..
Product: Debt collection

CASHCALL has reported a charge off account on my credit report and now started aggressively attempting to collect debt on the account that does not belong to me in first place. After requesting validation of debt, cashcall provided " loan transaction history '' in my name or similar name showing payments made but NO evidence or image of the payments they received. They also provided " promissory note '' in my name but at the address I never resided at ... Further more contract 1 ) has NO signature, 2 ) ss #, 3 ) date of birth or 4 ) the name of the loan originator AND 5 ) it shows an interest rate of 139.12 % which is a usury for the state of CA where it was originated and states the originator is governed by the laws of California where limit is 10 % Now I received a collection call, letter and threat to legal action from cashcall and XXXX XXXX for an erroneous loan, supposedly opened in 2014 ...
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; Experian and XXXX  are reporting incorrectly that I am ( 120-180 ) days late on the XXXX partial account numbers XXXX. XXXX  and XXXX  are reporting that I am ( 120-180 ) days late on the XXXX partial account numbers XXXX and XXXX. ( Please see pages attached from my credit report. ) First, all of these accounts report a {$0.00} balance and {$0.00} past due. Second, these accounts are currently being coded as an I5. These accounts should be coded as an I1. I have contacted the bureaus and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureaus to report accurate information. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding information on a credit report. This false reporting of lates is seriously harming my credit score and all of these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Product: Credit reporting

EQUIFAX CONTINUES TO REPORT A PUBLIC RECORD THAT BELONGS TO A FAMILY MEMBER ON MY CREDIT REPORT. THEY WILL NOT FURNISH ME WITH THE SOURCE OR HOW THEY ARE VALIDATING THIS PUBLIC RECORD..RECENT CLASS ACTION SUIT ( XXXX XXXX VS. EQUIFAX ) SHOWS THEY ARE INCORRECTLY VALIDATING PUBLIC RECORDS ON CONSUMERS CREDIT REPORTS.THIS IS REALLY HURTING MY REPORT. XXXX AND XXXX HAVE BOTH REMOVED THIS PUBLIC RECORD. I DEMAND THAT EQUIFAX REMOVE THIS PUBLIC RECORD FROM MY REPORT IMMEDIATELY AND SEND ME AN UPDATED COPY OF MY CREDIT REPORT.
Product: Debt collection

Never received information about the debt. debt appeared on credit report. Not able to verify if the debt is mine
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX SS XXXXXXXX XXXX XXXX To whom it mar concern, I was going over my credit file and found some items that are incorrect and never verified. FCRA 623, 609 violation. I request the following unknown address be removed from my file : XXXX XXXX XXXX XXXX OH XXXX. 
The following accounts are not XXXX XXXX complainant Per 15 U.S.C 1681e Whenever a consume reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. Please delete the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I used to have a COSTCO Citi card. They wanted to charge me for membership. I had already paid my membership in person. Yet they wanted to charge me again. When I refused to have them charge my account they kept assessing late fees. The current balance solely due to late fees is {$290.00}. They say that they can continue charging me. This has to be illegal!
Product: Credit reporting

XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Duplicate entries, debtor : XXXX XXXX account # same as XXXX, triple reporting, aged out account XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. As expected, CFPB and TRANSUNION have disregarded my request AGAIN for the DELETION of the account below which is not mine. I am so baffled by this situation! You guys seem like a lot of passing the blame or no accountability. Well, whatever the reason, I'm beyond bothered. Under Section 614, restrictions on investigative consumer reports [ 15 U.S.C. 1681l ], you only restrict to investigate my personal file if no adverse information in my report ( other than information which is a matter of public record ) may be included in a subsequent consumer report unless such adverse information has been verified in the process of making such subsequent consumer report, or the adverse information was received within the three-month period preceding the date the subsequent report is furnished. Please delete the account below : XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXXXXXX XXXX XXXX XXXX XXXX I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to 15 USC 1681s-2 they are suppose to 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

I sent both copies of bill XXXX in full to Experian the bill was XXXX XXXX XXXX. Experian stated that I still owe XXXX which is not true I re sent Experian both copies by mail and they stated that there not changing my report, I sent same copies to XXXX and they posted that payment was played in full. I don't know how Experian does business.
Product: Money transfer, virtual currency, or money service

PayPal had closed my account for no reason I just have gotten a the account with PayPal I have {$400.00} I want my account covid-19 and all the other stuff that is going on in the world I am broke I am not able to get to my money I need my money ASAP. If you guys could please help me out with PayPal and their problems that would greatly appreciate that.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian refuses to investigate the following accounts that are fraudulent. These accounts do not belong to me. I have contacted experian online and they refuse to accept my dispute online. The also refuse to connect me to a representative to handle my dispute over the phone. They have been fraudulently re-inserted onto my Experian credit report.The following accounts are not mine : XXXX XXXX XXXX. # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX. # XXXX XXXX. XXXX XXXX- 4 accounts # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX . # XXXX
Product: Credit card or prepaid card

I was shocked when I reviewed my credit report and found late payment on the dates below : -30 Day Late -XX/XX/XXXXXXXX XXXX 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

Ive had my cashapp for XXXX  years now I just had a couple of unauthorized transactions that I couldnt get my money back for
Product: Credit card

Never received credit card and installation not professional! 
Cancel and pickup exoskeleton installation
Product: Debt collection

i was checking my credit # XXXX, and notice that this company : PORTFOLIO RECOVERY ASSOCIATES Account XXXX Account typeDebt Buyer ResponsibilityIndividual Date opened XX/XX/XXXX Status Collection account. {$2.00}, XXXX past due as of XX/XX/XXXX. 
this company purchase this so called debt, without my consent, i was a victim of a data breach and know all of the sudden i have this company buying debt without my consent. 
how is this legal?
Product: Credit reporting

Also mark " Unable to get my credit report or credit scoreSubsection : " Problem getting my free annual report '' Bureau : TransUnion, LLCI the consumer have been unsuccessful of obtaining my free credit report from TransUnion , LLC which is in direct violation of Fair Credit Reporting Act ( FCRA ) 15 U.S.C 1681j. 612. Charges for certain disclosures ( a ) Free Annual Disclosure ( 1 ) Nationwide Consumer Report Agencies ( A ) In general. All consumer reporting agencies described in subsections ( p ) and ( w ) of section 603 shall make all disclosures of pursuant to section 609 once during a XXXX-month period upon request of the consumer and without charge to the consumer. 

Me the consumer, have been trying to receive the free copy of my credit report from TransUnion LLC for over XXXX years, and they are unwilling, and wo n't fulfill my request. 

TransUnion , LLC. Also is unwilling to help me establish a account on there website via XXXX I 've been transfered multiple times to there different number to resolve the issue, and it has yet to be fixed. I keep getting error " We are unable to complete your request ''. I 've already filed a dispute for a collection I 've paid off, and they do n't understand that I wan na track my status via the account access feature that TransUnion LLC offers free of charge. 

None of there agents speak good XXXX, or XXXX poor XXXX I ca n't understand there requests half of the time, or what they are trying to tell me when I have a issue. This is totally unacceptable. The " techs '' on the other line who I am trying to talk to, want to get off the phone as fast as possible, want to do the minimal amount of work, and do not care about the consumer. I would n't be writing this complaint if they would 've spent a extra XXXX minutes with me the consumer to resolve my issue. Total lack of transparency. 

I 've already submitted information per TransUnion LLC dispute page stating I 've paid off the debt collection, and the account is closed. I 've been told XXXX different answers1. The dispute was opened XXXX XXXX 2015 and is being processed and reviewed2. The dispute was opened/received XXXX XXXX, 2015 and is being processed and reviewed. 
3. My dispute was unsuccessful account to another " tech '' and tell me I had to re-file. I ca n't refile if another " tech '' is stating I already have a dispute open? 

I have attached a settlement from the Debt Collection agency, stating my account balance is {$0.00}. I want this remark removed from my account ASAP, I want to get access to my free annual credit report from TransUnion LLC, and I want my account established.
Product: Checking or savings account

I recently opened a BMO checking in savings online in got approved for the accounts I go to login in 2 days later this bank took my deposits out of my account then frozen my accounts. I went to the branch to pickup my debit card every was fine now they saying they cant do any business with me with I have a online account with them also had for 2 years I never wrote any bad checks on my account or anything just deposits cash in my account the most I did on my BMO account was file a dispute for money taken out of my account
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX XXXX sold my mortgage to XXXX. XXXX reported the status as a transfer. I attempted to dispute this status in XX/XX/XXXX. XXXX received payment of the loan on my behalf, it was paid in full. The status as transfer to other office has negatively impacted my score from high 600 range down to high 500 range. XXXX did not disclose during the initial contract that they may sale my loan and it result in a negative impact to my credit score. XXXX is discriminating based on another entity paying the loan. IF I had directly paid the loan off, XXXX representative explains that the status would be reported as Paid. The loan was in fact paid off by XXXX to XXXX. At this point I have not been able to receive credit because I show as a high risk because other entities can not tell where XXXX transferred the loan to as the status states transferred to another office. The loan was not transferred to another office, but paid by another entity on my behalf. In XX/XX/XXXX I paid the loan off with XXXX, but still XXXX shows as transferred to another office, and my report continues to be impacted by the creditor XXXX not reporting accurate information. I have suffered great loss in providing for my family as I have been denied loans based on the misleading and inaccurate credit reporting by XXXX and their failure to inform me of these foreseeable challenges with their practice prior to obtaining my loan.
Product: Debt collection

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Way XXXX MI XXXX Re : Acct # XXXX To Whom It May Concern : I am sending this letter to you in response to a notice I received via a posting on my credit report dated XX/XX/XXXX. No notice was received via mail or telephone prior to this posting. Be advised, this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested. 

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your office provide me with competent evidence that I have any legal obligation to pay you. 

Please provide me with the following : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any papers that show I agreed to pay what you say I owe ; Provide a verification or copy of any judgment if applicable ; Identify the original creditor ; Prove the Statute of Limitations has not expired on this account ; Show me that you are licensed to collect in my state ; and Provide me with your license numbers and Registered Agent. 

I would also like to request, in writing, that no telephone contact be made by your offices to my home or to my place of employment. If your offices attempt telephone communication with me, including but not limited to computer- generated calls or correspondence sent to any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter. 

This is an attempt to correct your records, any information obtained shall be used for that purpose. 

Best Regards, XXXX XXXX XXXX Law Reasons : You are in violation under 15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/invalidated Credit Information and 15 U.S. Code 1681e ( b ) - Compliance procedures maximum possible accuracy Also law reason that can used about inaccuracies You have violated law 15 U.S.C. Sec. 1681i ( a ) for a CRA to conduct a reasonable reinvestigation to determine whether XXXX XXXX  opened collections acct # XXXX XX/XX/XXXX for a past due balance of {$1000.00} as of XX/XX/XXXX is inaccurate Please remove this account immediately
Product: Credit card or prepaid card

Hello, I would like help with my Barclays credit card XXXX account. A few weeks ago without any kind of notice my credit limit was lowered {$11000.00} to {$7500.00}! I use this credit card for everything because of the rewards to my son 's XXXX plan. This action is not fair to a good customer for over 15 years. 

I have NEVER paid late and I pay the entire balance every month. I received a letter stating that I had too much unsecured debt and that is why it was lowered. I have had debt for several years and slowly paying down each month so that explanation makes no sense to me. When I called for help I was connected to XXXX who did not listen to me and kept judging me about my debt. This decision by XXXX also lowered my credit score XXXX points. 

I am requesting my credit limit to be at least $ XXXX and also a better explanation for unfairly making this extreme reduction. 

Thank you, XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Someone has been using my information and open of a capital one account, XXXX account, and XXXXXXXX XXXX XXXX I did not make any of those accounts! I just put a fraud alert out with XXXX. But I need help getting to the bottom of who stole my paperwork to be able to do these things. I just disputed it with XXXX, but still I need to make sure this wont ever happen again! I want all these accounts removed from my credit report for fraud! I did lose my wallet years ago but it only had my social and ID that was expired in, I did not know thats all it takes for someone to steal your identity! This has been a traumatizing experience, I just want this to get fixed!
Product: Credit reporting or other personal consumer reports

I have unauthorized inquires on my XXXX credit report on XX/XX/year>! I would like these items removed. According to the FCRA, these unverified and unauthorized items must be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account with SWISS COLONY / XXXX XXXX XXXX, WI XXXX, was disputed and deleted back in XX/XX/2020, for being a non-reportable account. This account was opened as a noncredit reporting and noncredit based account. The creditor keeps reporting this account after it's removed, causing me financial hardship, pain, and suffering.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX # XXXX - account on file in error, was never delinquent, dates incorrect, Cased with state was closed by Custodial Parent,, all information incorrect, date opened, date of last payment, comments, date last active disputed this and it came back verified when clearly the information to both bureaus isnt event the same
Product: Student loan

I applied for three Private Student Loans through XXXX XXXX in XXXX, XXXX, and XXXX. 

A few years ago, about XXXX, XXXX XXXX left the student loan business and Firstmark Services became the servicer of my loans. 

I received notification from Firstmark in XXXX, while I was still in medical school, that my all of my loans had entered repayments because I had " exhausted in-school deferment. '' When I called and spoke to a representative of Firstmark Services, she did not know what this term meant. She placed me on ( lengthy ) hold three separate times in order to figure out what was going on. When she did provide an explanation, it was ill-explained and did not correlate with any of the terms in my original promissory note. 

I then called the XXXX XXXX Student Loan Department, who is the original provider of these loans now. They had never heard of " exhausting In-School Deferment, '' nor is it in any of their contracts. 

Firstmark is refusing to reconcile this, and says I must begin making ~ {$500.00} in monthly payments starting next month.
Product: Checking or savings account

I originally contracted and booked a trip with XXXX XXXX for XX/XX/XXXX. They debited {$4600.00} from my account on XX/XX/XXXX. On XX/XX/XXXX they informed me they would not be moving forward with my trip and that they would not be refunding my money. 
Per their contract if they did not give notice of 40 day or more the client ( myself ) had the right to request a refund or a future date. I requested a refund of which they declined to give me back my money. This was in XX/XX/XXXX. I at that time disputed the charge with Citi Bank. I was denied my claim because XXXX XXXX said that they were rescheduleling my trip to a future date of XX/XX/XXXX. 

On XX/XX/XXXX from XXXX saying they were NOT going to give me my money back, they were NOT rescheduling my trip and that they were going into bankruptcy. I then went back to Citi to reopen the dispute and appeal as XXXX did NOT do what they promised. 

Citi bank has now for the XXXX time denied my claim even though if the service was for a future date they are suppose to honor it and re open this dispute.