23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX and XXXX, also XXXX, I have not been successful, this company is tek collect inc, XXXX XXXX XXXX, XXXX XXXX tel -XXXX, this debt is reported to my XXXX, XXXX report . I have tried numerous times to get this deleted, I have not been successful. I call they keep me on hold, do not come back to speak to me, one person was very rude. I just did not call anymore. someone have a similar name, and they just pinned the debt on my credit file. Also I have a debt company by XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, tel # XXXX that is still showing on my XXXX  file, I had it deleted on my XXXX  report, I requested numerous times to get it deleted on my XXXX , I even send them a copy of XXXX showing deleted, no luck yet. Please I need this resolved. I turn to you, because you do get things done right away. You have help me get a lot of debts that show that was not mine. Thank you again.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am submitting this complaint against Equifax due to multiple unauthorized, inaccurate, and unfairly reported items on my credit report, which violate my rights under the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). These inaccuracies are unjustly harming my creditworthiness and financial opportunities.

1. Inaccurate Collection Account The following collection account has appeared on my credit report without my authorization or consent. Under 15 U.S. Code 1681s-2 ( a ), data furnishers are required to ensure the accuracy of the information they report. This account must be removed immediately : XXXX XXXX XXXX ( Account : XXXX ) Reported on XX/XX/XXXX Balance : {$1800.00} 2. Closed Account with Unfair Late Payment Marks The following closed account reflects late payment marks that unfairly harm my credit profile and fail to meet reporting standards under 15 U.S. Code 1681b and XXXX : XXXX  XXXX XXXX ( Account Number : XXXXXXXX ) Balance : {$2700.00} Opened : XX/XX/XXXX These late payment marks must be removed, as they do not meet legal standards for fair and accurate reporting.

3. Inaccurate and Unfair Late Payment Reporting by Equifax Equifax has inaccurately reported late payments for XXXX, XXXX, and XX/XX/XXXX on my mortgage account with XXXX XXXX XXXX ( Account : XXXX ). These payments were misreported despite the fact that my billing statements were not provided at least XXXX  days before the due date, violating 15 U.S. Code 1666b of the Truth in Lending Act ( TILA ).

This misreporting also violates : 15 U.S. Code 1681i Requiring credit reporting agencies to conduct proper investigations of disputes.

15 U.S. Code 1681s-2 Mandating data furnishers to ensure accuracy and promptly correct errors. 
I have already disputed these inaccuracies with Equifax, but no corrective action has been taken. These errors must be removed immediately to ensure compliance with federal law and prevent further unwarranted damage to my credit score.

4. Request for Immediate Investigation and Correction I formally request that Equifax conduct an immediate investigation and remove the inaccurate and unauthorized items from my credit report. These errors are a direct violation of federal law and continue to cause significant financial harm by limiting my ability to obtain fair credit opportunities. 
I have attached supporting documentation, including my FTC identity theft report, to substantiate my claims. 
I trust that the Consumer Financial Protection Bureau ( CFPB ) will intervene to ensure that Equifax takes appropriate action to correct these violations and comply with the FCRA and TILA. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX
Product: Credit card or prepaid card

I was recently contacted from XXXX regarding a fraudulent account that appears under my name and social from Discover Card I never given anyone permission or consent to open said account. I immediately reached out to Discover to report that this card was not mine and was given the complete run around. They tried to give me an address to write into. 

Unhappily I escalated to a manger who in return gave me a number to the executive office. Once I indicated to the executive office that I filed a complaint they said it will be handled through that channel.
Product: Student loan

Something very suspicious is occurring and I urge you to please read this statement in its entirety because I suspect attempts at discrete impropriety from these companies that explain why I currently have no ability to see my balance, see my payment history or even attempt to pay any part of my loans. 

On XXXX XXXX, 2020, at XXXX XXXX I received an email from my original loan servicer, Cornerstone Education Loan Services ( Uheaa ). The email stated that my loan servicer would be changing to XXXX XXXX around XXXX XXXX, 2020 and it provided modestly detailed information with respect to how the transition would unfold. 
Note : At that point, my loan information, including principal balance, interest, and payment history were all still accessible on the Cornerstone website platform, i.e., my Cornerstone account. 

The email clearly states, " XXXX XXXX will contact you after your federal student loan account has been transferred and loaded to its system. '' It is now XXXX XXXX, 2020, and I have not been contacted by XXXX XXXX. 

Curious about the state of my transfer I logged back into my Cornerstone account to see if there had been any update or if my account reflected the initiation of this transfer in any way. Strangely, while my account still exists, it is entirely void of information with respect to my loans and payment history, which is highly concerning. 

I have not been contacted by XXXX XXXX, I have not received a welcome letter with account information, and I have not received my new federal student loan account number as referenced in the email provided by Cornerstone. 

Note : As of today, should I want to go online and pay part of my principal or interest, I would be unable to do so as my account is somehow in limbo. Should I need to check my payment history or share loan information/history with my university as I prepare to register for this next semester, I would be unable to do so. Now, imagine that this current state of affairs continues through XXXX and the moratorium of interest ends, my loans will technically start accruing interest without me being able to pay them. The aforementioned limbo status of my account prevents me from paying any of the principal or already accrued interest before the end of the moratorium. Come XX/XX/XXXX, I will be paying more interest than planned because I am unable to apply anything to the principal in the meantime. This seems unethical to me, and I would think that this violates my rights on multiple levels. Shouldn't this be illegal? I have no accessible information regarding my student loan payments, no proof of my billing history, and I have no way to pay.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted all three credit bureaus numerous times indicating I never asked these companies to run my credit and wanted proof that i was indeed me. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX & XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX They have never provided me with my signature or proof of any kind with any of these companies.
Product: Credit reporting or other personal consumer reports

I used TransUnion 's phone system to lift a security freeze to allow my bank to check my credit rating. In my notes from the last time I did this, I used a PIN to have a bit of security for this process. But today, the system asked only for my zip code, DOB, SSN, and street address number. Then it lifted the freeze. This is really ridiculous. I called their support line and they said they removed the option to use a PIN last year but gave no reason. All the information they required is easily obtained from the web after all the security breaches we've had ( partly from credit reporting agencies! ), so their process in practice has no security!
Product: Money transfer, virtual currency, or money service

My complain involves two banks, Citi Bank and XXXX XXXX XXXX. 

XXXX XXXX XXXX XXXXXXXX checking account was open over 13 years. 
XXXX. Citibank checking account was open on XX/XX/XXXX. It was closed on mid XX/XX/XXXX. It was reopened on XXXX XX/XX/XXXX. 

On XX/XX/XXXX I tried to do an external inbound money transfer of {$3000.00} using Citi bank online facility. The money was to come from my Bank of Checking account to my Citi Bank checking account. 

After transfer was initiated the money was withdrawn from XXXX XXXX XXXXXXXX checking accounts but was never deposited into my Citibank Bank. The reference number is XXXX. 

I see a message that Looks like were not able to complete this transaction. Please contact your external bank for more information. 

I called XXXX XXXX XXXXXXXX and informed the issue. The created a claim based on my complain. 
As part of complain, on XX/XX/XXXX, XXXX XXXX XXXX initiated an unauthorized money transfer and withdrew {$3000.00} from my Citi bank checking account and deposited in my XXXX XXXX XXXXXXXX Checking account and closed my claim. 

I still have {$3000.00} withdrawn from XXXX XXXX XXXXXXXX checking on XX/XX/XXXX, that I never received in my Citibank. 

When I call XXXX XXXX XXXXXXXX customer service, they say that your claim is resolved and we deposited {$3000.00} back to checking account. 

When I call Citibank customer service, they say your transaction on XX/XX/XXXX is cancelled and money was returned back to XXXX XXXXXXXX XXXX. ( I think the money didnt get deposited in Citibank was because the account was closed and just reopened on XX/XX/XXXX ) But the money that deducted on XXXX was from my exiting funds with Citibank checking account. 

I still have not received my money of {$300.00}, that was deducted from XXXX XXXX XXXXXXXX on XX/XX/XXXX in my Citibank account. 
Attached is XXXX.transaction details from XXXX XXXX XXXXXXXX XXXX XXXX transaction details from Citibank and XXXX XXXX Screenshot of failed external transaction transfer from Citibank. 

I am frustrated calling both banks. Both tells me to call the other Bank. Please help in getting my money back that withdrawn from XXXX XXXX XXXXXXXX that never went to Citibank.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX continue too not help in this matter ive not had a chance card
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I contacted TransUnion about the following negative accounts XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$2600.00} ), XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$0.00} ), XXXX ( Date Opened : XX/XX/XXXX, Balance : {$0.00} ), XXXX ( Date Opened : XX/XX/XXXX, Balance : {$53.00} ), XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$0.00} ). Its been over 45 days and TransUnion havent respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Credit card or prepaid card

On XX/XX/2021 I got an alert that my Bank of America prepaid edd debit card had a low balance. I checked my account and saw that there were 5 atm transactions from a XXXX atm totaling {$1000.00}. I immediately called and filed a claim, then I filed a police report. I heard nothing back from the bank so I called again 2 weeks later. They said it was still pending and call back in a week. I called back in a week and the bank said that it wasnt showing up and that they would re file another claim. Its been over a month and I just received a letter from the bank stating that this claim has been closed and that they believe the account or the claim have been the subject of fraud or suspicious activity. They stated that I will not be reimbursed. I went to login to my account and I am now locked out of my Bank of America prepaid account and I can not withdraw the money that is in there. They said that it is an issue through the edd and to call them. The edd is saying that it is a Bank of America issue.
Product: Credit card

I was recently considered late on a payment ( payment was made just after XXXX on the due date ). The payment was made on the due date and the cut off is arbitrary for an online payment. I make all my payments online and Discover is the only company that imposes this. The second complaint is the amount of the late charge being excessive. The balance is {$1000.00} and my average monthly payment has been {$36.00}. The late charge alone was {$35.00} and doubled my most recent payment. Last, the 18 % interest rate is outrageous. I have good credit and my credit score is over XXXX. I can get a lower rate if I apply for a new card. I do n't want another card with Discover. I stopped using it when they changed a due without notification causing a late payment. They also sent the account to a collection agency even though it was not delinquent and never had been. It took months to be resolved. So NO WAY do I want to do business with Discover. 

What I want is the late charge reduced and the interest rate lowered.
Product: Credit reporting, credit repair services, or other personal consumer reports

i am a victim of fraud, i did not do these inquires nor do i know where the collections came from. 

XXXX XXXX XXXX Collection {$400.00} XXXX XXXX Collection {$4600.00} XXXX | XXXX | XXXX XXXX XXXX XXXX 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 card or prepaid card

So I have been trying to use this XXXX prepaid Visa and it keeps declining it everywhere. XXXX can't link it to my XXXX pay, XXXX, or anything. I even tried buying a XXXX card with it, so I could complete my transaction, from XXXX XXXX onlineXXXX XXXX  online, and XXXX and nobody is accepting it. It says the card is active and that there is more than enough money for it, but it keeps getting declined everywhere. I also have a XXXX  master card that has been doing the same exact thing. I tried calling the company and all they told me was well at least it has money on it for a different purchase. When XXXX ) no I bought this card to make this purchase. And XXXX ) why the XXXX are these people allowed to sell cards that claim you can use it for online purchases when NOBODY will accept them. And I don't even think it is a matter of places accepting them, it has something to do on the card company 's end. So I have over XXXX dollars that I needed to be able to make my purchases and now I am screwed because nobody accepts the XXXX things. Help me.
Product: Credit reporting or other personal consumer reports

Hello, My problem is I have a collection debt on my credit report and it was recently opened but I don't know where this collection is coming from I'm worried about my identity being threatened
Product: Credit card or prepaid card

I ordered a dresser from Ashley furniture with my Ashley furniture credit card. The delivery drivers ruined my walls going up the stairs and the corners of the dresser which will cost more than the dresser to fix. As of today, XX/XX/2020 it has been 94 days. I have called several times and they said that theyre still working on it. They have also reduced my credit limit for no reason. No one can help me when I call and its very frustrating.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living human being. I have rights under 15 U.S.C 1681 Equifax is governed by 15 U.S.C 1681 and they violated my rights numerous of times. 

I demand the accounts listed below to be removed because according to 15 USC 1681, I have the right to privacy and I did not give written permission to furnish these accounts : XXXX XXXX XXXX Acct # XXXX XXXX XXXXl Acct # XXXX XXXX XXXX Acct # XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Inquiry XX/XX/2021 XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX credit card account is not reporting on my transunion and XXXX credit report. I have made numerous calls to please have this account report. This account is in excellent standing and last payment made was {$800.00}. Having positive information report will help my credit score. Its been months since I reported this account is not reporting
Product: Credit reporting or other personal consumer reports

To whom it may concern I am writing to dispute the following information on my credit report and have the following information removed from my file. The items I need deleted are listed below. I am a victim of identity theft and did not open these accounts. Also, demand these inquiries be removed from my credit profile I didn't initiate any of them. I ask that these items be deleted to correct my credit report. Fraududlent accounts : XXXX XXXX original creditor : ( XXXX XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX. Fraudulent inquiries : FXXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

I have around ( XXXXXXXX XXXX and XXXX XXXX ) $ XXXX stored in BlockFi and I use them as my main credit card, this morning I tried to withdraw money from them, and they do not allow it, they seem to have used my money for their own gambling and now they blocked withdrawals. 

What can I do?
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent inquiries are on my credit report. Please have all fraudulent inquiries removed. 

Inquiry details XXXX XXXX  XXXX ( XXXX ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Hotel and travel ) XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

I sent a letter to the company, several months ago and asked for the balance to be corrected, since a IRS form 1099 C was submitted to the IRS and accepted. Also the addresses on the report are un-mailable and need to be removed, the phone numbers, and email address.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I was offered a work from home job with CardConnet as a XXXX XXXX XXXX XXXXXXXX position via text from a XXXX XXXX and asked if I wanted to proceed with an online interview. I just signed up for a couple job sites a day before so I had no reason to think it was a scam. The interview was through XXXX. He introduced himself as Hr Hiring Manager XXXX XXXX and explained the job and the role. I was told I was going to get sent a check for {$2400.00} so I could get an encrypted laptop and the programs required. On XX/XX/XXXX I deposited the check via mobile deposit into my bank, XXXX XXXX XXXX, and then was informed the vendor, XXXX XXXX, wanted to use XXXX as the form of payment to get the equipment needed. After the check became available in my account on XX/XX/XXXX, I transferred the funds from my XXXX bank to XXXX. After about 5 failed attempts with the XXXX payment, I was getting frustrated and told them I was over it and that I just wanted to send their money back. So, I was given the vendor, XXXX XXXX, bank information for a wire transfer, which I sent within the same day. I used my XXXX debit card to make the wire transfer. Today, XX/XX/XXXX, I received an email early morning saying the wire transfer from XXXX XXXX was completed. This afternoon, I received a call from my bank, XXXX, informing me that the check was fraudulent and now my bank account is negative {$2400.00}. They also informed me that a legit job would automatically supply me with what I need to start work and that I got scammed, and unfortunately they see a lot of it. I was told to reach out to XXXX and XXXX XXXX to see if they can cancel/refund the money. I did a dispute with XXXX, and XXXX said to contact the recipients bank, XXXX XXXX XXXX, since the transfer was completed on their end. I also did a fraud claim with XXXX XXXX. I finally got a hold of XXXX XXXX XXXXXXXX and told them the situation. They told me that unless I'm on the recipients account, there's nothing they can do about it and they apologized for what happened to me. They suggested I submit a fraud claim through my bank even though they called me. I ended up doing that and answering the questions to the best of my knowledge. I was hoping XXXX XXXX XXXX would accept the recipients information given to me to cancel/refund/flag the transaction but they didn't really seem too concern that somebody banking with them was scamming people.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$XXXX} ; XXXX XXXX XXXX XXXX Balance : {$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

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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. 


XXXX XXXX XXXX XX/XX/2022 I never authorized this inquiry XXXX XXXX XXXX XX/XX/2022 I never authorized this inquiry XXXX XXXX XXXX XXXX I never authorized this inquiry XXXX XXXX XXXX XXXX XXXX  I never authorized this inquiry XXXX XXXX XXXX XXXX  XX/XX/2022 I never authorized this inquiry XXXX  XXXX XXXX XXXX XXXX I never authorized this inquiry According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Product: Credit reporting or other personal consumer reports

I checked my report and saw unauthorized inquiries, please remove immediately. 
Transunion : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting 2 collections from XXXX XXXX XXXX. 
I spoke to Equifax and start a dispute but i was told this account will stay in ur credit file even if XXXX XXXX XXXX did not respond to us within 30 days they will close the case and accounts will stay and it is against my right.