23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This is not my account I have no knowledge of this account and they are reporting on my credit report without any not notification or communication to me. They are in violation of FDCPA rules and laws. This is not my account. I have never heard of it. There are rules before reporting on a credit report. They are in violation I have made them aware. 
I have never spoke with you. Or received the letter. You just put it on my credit report thats in violation of the FDCPA rules.
Product: Credit reporting or other personal consumer reports

Complaint Title : Inaccurate Reporting by XXXX XXXX XXXX on Experian Credit Report Details : I am disputing the reporting of a XXXX XXXX XXXX account ( Account Number : XXXX ) on my Experian credit report. From XX/XX/year>, to XX/XX/year>, the account was actively managed by a third-party collection agency, XXXX  XXXX XXXX  ( XXXX  ). However, XXXX XXXX XXXX reported the account as being in " collections '' during this time, which is misleading and inaccurate. 

Despite providing this information to Experian and requesting a correction, they refused to update the reporting. Experian stated that XXXX XXXX XXXX does not need to reflect XXXX  involvement, even though this omission creates an inaccurate and incomplete account history. 

This conflicts with my rights under the Fair Credit Reporting Act ( FCRA ), which requires accurate and complete reporting of account information. I request that the CFPB investigate the following : XXXX XXXX XXXX : Why did they fail to update the reporting to reflect XXXX involvement during the specified period? 
Experian : Why did they refuse to address the clear discrepancy in reporting?
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a issue with someone using my personal information I have several inquires that I never made from the following companies please delete the following INQUIRES : XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX  XXXX, XXXX XXXX. I do not have any loans or services with any of them. Errors please delete.
Product: Credit card or prepaid card

This is the complaints of American Express Deceptive Behavior. 

Date : XX/XX/2021 Amounts : Issue regarding the available credit given and allowance of autopay transaction that hasn't happened for months to appear Actions : I called the Rep of the special team service for this issue : I entered into a program that paid a fixed amount of money monthly over a year. On the XXXX, they will debit my account on another bank. At the beginning of the contract, the agreed that the credit that I got was $ XXXX - unpaid amount. they issued a letter and mailed to me about it ... then they changed the terms and conditions without notifying me. They keep changing the credit available and when they mentioned that I got a certain credit available on XXXX after the payment, they didn't honor it. 

The point is, they only charged me on XXXX for an agreed amount but not mentioning that I should paid the credit amount that I have used outside the program payment. 

This morning, I called the Rep, she told me the amount that I used that belonged to XXXX credit line... I asked her why she allowed XXXX to charged me an autopay that they didn't appear for months already, and she said she could let another olive oil amount ( that haven't appeared on the statements for months ) went through. I then told her that then I am not going to pay for those amount. She then said that she could decline the olive oil one but needed to keep the XXXX one. 

She even declined American Express has sent me an email notifying me that XXXX has an autopay. She was manipulating what I should think. 

On XXXX this month, AE is supposed to give me $ XXXX credit line, but with the transaction of just less than {$11.00}, my credit line is XXXX. 

This is not the first time happening that I have exercised enough patience. 

She then keeps telling me that if I pay all the rest of unpaid amount, I can have unlimited credit limit... I think this is very deceptive. I told her if I believe in what their card company on the online statement that I have so many credit line and buy something ... and it turned out got rejected .... this would be so embarrassing!!! Shall I ask for the compensation for this too? 

I paid more last month for {$800.00}... I couldn't understand why this happened. AE staff even coerced me in the chat log. There is a recording for the conversation between the staff and me. 

They can cancel my card and terminate the service but not to do things like this. I think your agency should take proper steps to warn them and they should receive disciplines. 

Thanks so much
Product: Consumer Loan

History : I submitted a insurance payout check from essurance to US Bank to pay off my auto loan. The bank has confirmation within their record keeping of possession of check and I have email confirmation ( XXXX/XXXX/2012 ) from XXXX XXXX that they are in passion of the check. XXXX in a call stated that there was an issue, the essurance check was more than the payout of the loan we agreed that U.S. bank would write me a check for the difference. I followed up with US Bank and was advised XXXX no longer works with US Bank, they were unable to locate the essurance check, and my account was now in collections. I have tried for over three years to resolve but bank representatives state they can not help me that I must make a payment. Bank reps have refused to return my calls or agree to meet with me. The balance has been reported to collections affecting my credit. I read an article about your agency 's ability to resolve matters and I seek your help.
Product: Credit reporting or other personal consumer reports

Transunion, XXXX, & XXXX continue to report inaccurate information on my consumer report and it causing me harm. There are several names and addresses listed on my consumer report that are incorrect. I have previously disputed this same information with the consumer agencies which they stated they verified as accurate how is this when I know my own name and where I reside. I have attached proof of my identity and residency. My name is XXXX XXXX XXXX my address is XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX update my consumer report immediately. 

Transunion 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  ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. 
( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 
( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Product: Debt collection

I'm called almost weekly by Harris & Harris about debt collection. The voicemail is always a prerecorded message from someone named XXXX XXXX asking for me to contact one of their representatives. I've checked my credit report multiple times and have yet to find any trace of collection notices. I'm worried to call back because I do not want to be taken advantage of. They've called on the following dates this year from multiple numbers : XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XX/XX/XXXX, XX/XX/XXXX. XX/XX/XXXX, XXXX, XX/XX/XXXX. XX/XX/XXXX, XX/XX/XXXX, XXXX.
Product: Mortgage

U.S. Bank has not approved my short sale package. 
The property address of the short sale is below XXXX XXXX XXXX XXXX XXXX XXXX CT XXXX We have a buyer made an offer 4 months ago and the buyer is able to meet the their appraised value amount. It's horible to get U.S. repsonse and accept short sale. Very slow repsponse or no response. U.S. bank does not look at my sitting short sale file to approve the purchase contract. U.S. Bank DID NOT get the the short sale moving, keep dragging for 5 months. U.S. Bank really has no accountability for any deadlines. U.S. BANK HAS been really hard to deal with short sales .US Bank shareholders should fire the management immediately for getting paid and not doing their job.
Product: Money transfer, virtual currency, or money service

I placed an online order with XXXX XXXX XXXX on XX/XX/2022 for the amount of {$400.00} + {$15.00} express shipping = {$420.00}. When I got to the payment page, they instant messaged me and said only XXXX payment accepted. Hesitant but I authorized the XXXX payment ( direct debit from my checking account ). Then the company stopped responding, phone # on webpage either says unavailable at this time or I get an answering machine for which I have left several messages requesting a full refund. I contacted my bank ( JP Morgan Chase ) since the chase mobile app offers zelle payments. Multiple calls and multiple branches of Chase, they can not help me the funds are instant and they can not recover them. I contacted XXXX and can not speak to anyone so I filled out the customer complaint / help form and have not heard back from them. All contact info for the ammo shop are either not responding or disconnected.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a XXXX  Senior Citizen on fixed income Social Security XXXX   Benefits. I have been using the Credit Monitoring System of " XXXX XXXX   '', for 8-9 months now, and am very pleased with the accuracy that seems to surpass Transunion 's Reporting System. I am also an avid advocate against Preditory, Coercive, and Compellant Strategies used by banks and credit unions behind the scenes that Consumers are not aware of, due to adverse transaction clearing behind the scenes on Bank Credit Cards.

I recently filed complaints against XXXX XXXX XXXX 's XXXX  Card for NOT using electronic clearing methods that cause the Consumer to have a blind spot regarding their balance, in the amount of ONE FULL MONTH, due to the use of SNAIL MAIL, instead of electronic clearing methods of same day or next day clearance. 

I come before you today to report that Transunion Credit Reporting System not only falls behind the accuracy guidelines, but also tends to act IMMEDIATELY on what they feel is adverse information, before the account has time to automatically resolve itself due to a BANK SYSTEM ERROR, in favor of the CONSUMER. 
It is my opinion that this is unfair to anyone who does not have the Financial Training from XXXX XXXX that I do ... and I am finding that I am having to call Transunion once a month, to correct their information ( which can not be done unless it is a DISPUTE. ) A BANKING ERROR CAN NOT BE DISPUTED, as I found out today-and the incorrect information can not be changed or disputed. 

My suggestion to resolve this problem in the Transunion Reporting System is to prevent the credit unions from OVERREACTING to what appears to be adverse, but instead is an error in favor of the CONSUMER. AND, Transunion outsources to INDIA for Customer Service, which makes it even more confusing due to the lack of US Consumer Banking and Fair Credit Reporting Guidelines. 

Most errors will be resolved by the next Treasury Payday that clears on the XXXX  of each month, when it comes to Fixed Income Beneficiaries.

Would it be possible to have a Systems Analysis Check on Transunion Reporting so that it does not seem so hostile and interrupt the Banking Activities regarding Lines of Credit and so forth. 

Thank you for your time and attention to this hot button issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im writing to you today to inform you I was the victim of identity theft. Per FCRA section 605 b you are required to remove/block any account listed on an id theft report. Please find the required documents to assist in blocking of the erroneous information which is being posted to my report. Here is the list of account that does not belong to me or was opened without my permission. XXXX XXXX According to FCRA Section 605B ( a ) Equifax shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Debt collection

Wakefield and Associates placed a debt on my account XX/XX/2020 for the amount of XXXX. I never received a call or notice in the mail to resolve the debt. All the debt from XX/XX/2020, when I was involved in a car accident. I was represented by an attorney, so the account should have been sent to my attorney instead of on my credit. I called to let the company know I never received a letter from them and asked them to send me a letter they have yet to send me a statement.I also asked them remove the account of my credit and they refuse to remove the account.
Product: Credit card or prepaid card

Hello, On XXXX I attempted to log onto my Comentiy Bank XXXX Credit Card account to make my payment due on XXXX. A message on the website indicated that there was a system update and we would be unable to access our accounts. No advanced notice of this outage was provided. As the day progressed the message was updated to : " We are currently undergoing a planned system update that has taken longer than expected, thank you for your patience as we work to restore service as quickly as possible. In the meantime, your account information remains secure through this update. We apologize for any inconvenience caused by this disruption. '' As of XXXX I am still unable to access my account online and make a payment. To attempt to remedy this I called the customer service number provided and an automated message said that because of the system update they could not access or make changes to any accounts. 

As a consumer I am extremely concerned that they will try to hold me liable for late fees/charges because I am unable to pay or access my account. I would like to reiterate I have never missed a payment and would have happily paid prior to the due date had the bank informed us of this service interruption.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unverified accounts on my credit report The credit agencies Never verified or complied with the rules of the FCRA ( XXXX XXXX  XXXX # XXXX ) AND ( XXXX XXXX  XXXX ) it's been way pass 30 days Please have them delete the unverified accounts. 
Thank you see enclosed proof
Product: Mortgage

My sister transferred funds from my mother 's HELOC accountto her personal account per Bank of America. These transfers occurred approximately XXXX years after our mother died. 

Original HELOC had XXXX co-signers. XXXX are deceased and I am the third. B of A suspects my sister represented herself to be our mother and made transfers of approximately {$300000.00} between XXXX and XXXX. 

My sister continued to make all interest payments. Further she sold house, collateralizing the HELOC XX/XX/XXXX and made no principal payment from sale proceeds, yet she provided the buyer a Warranty Deed. Bank of America charged off the HELOC in amount of {$340000.00} XX/XX/XXXX and it appears on my XXXX credit report. I had no knowledge of this until XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has reported all my inquires credit cards and loan accounts under my sister 's name ( XXXX XXXX ) we are twins and have the same birthday and social security number are off by one digit so I need the XXXX XXXX, XXXX, XXXX, XXXX XXXX, and discover under my name XXXX XXXX and there should be nothing under XXXX XXXX.
Product: Money transfer, virtual currency, or money service

I tried to access and transfer my funds {$120000.00} from Trust Wallet starting on XX/XX/year>. I was informed that I had to pay a service fee of 20 % as a service fee. I paid the service fee, then they asked for an Acceleration fee on XX/XX/year>. I wired these fees because I thought it was only way to access my funds. On XXXX they notified me that they were holding my funds because it suspected money laundering and wanted another 30 % of the funds. I then requested the rules of the platform and contact information to ask more questions. They refused to provide the information. I was scammed and feel so XXXX. I had no experience in XXXX investing and I let someone talk me into the investment.
Product: Credit reporting or other personal consumer reports

on XX/XX/year> i mailed a letter stating that there was inaccurate information being reported an my consumer report, an i wont the company to update it with new information delete all old information 15 U.S.C. 1681i of the Fair Credit Reporting Act ( FCRA ) states that consumer reporting agencies ( CRAs ) have 30 days to investigate and respond to a consumer dispute.

Its been over 35 days an still has not got a response back
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 items 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 items listed below : XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX CT XXXX XXXX TX XXXX, XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX Balance : {$0.00}, XXXX  XXXX XXXX Balance : {$350.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$3800.00}, XXXX XXXX Balance : {$960.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX  XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy Reference # XXXX XXXX Date Filed/Reported : XX/XX/XXXX, XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

This is NOT a XXXX  complaint. do NOT place a XXXX  alert in my XXXX XXXX. 

I have challenged the reporting of a XXXX  on my XXXX XXXX  XXXX separate XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

I demanded each and every document that they have in their XXXX  possession on each of those XXXX. This demand was made pursuant to the FCRA 15 UCS Section 1681g. They were specifically asked not to merely state that is has been verified as this is not in compliance with the law. This must be done in XXXX XXXX XXXX reporting. 

In the event they did not have any documentation in their XXXX possession as of the XXXX  of these XXXX, under the Fair Credit Reporting Act Section 1681 ( i ), ALL unveried accounts must be promptly deleted. Moreover, I disputed the validity of each of the XXXX, under Section 611 ( a ) ( 5 ) ( A ) ( i ) of the Fair Credit Reporting Act. 

If they do not have any documentation in their les to verify the accuracy of these XXXX accounts, they are required to delete them immediately. Failing to do so is damaging my XXXX and XXXX 

I demand the XXXX be properly verified with physical documentation and in XXXX XXXX XXXX reporting ( and not just verified through a XXXX XXXX  ) or it MUST be removed immediately.
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 Number : L XXXX and list of Inquiries 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

The lender deleted tradeline after I have made 65 months of payments in good standing which took my credit score down 100 points causing me not to be able to make home buying purchase and shows poor credit standing plus company charged me late payments and has over charged my account over the last 3 years I have made {$60.00} per month over the regular balance when I called the company they refused to assist and stonewalled and was confrontational the company admitted they deleted the tradeline and the was a cease and desist put on my account that i did not request
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XX/XX/XXXX Trans Union LLC XXXX XXXX XXXX po box XXXX XXXX, PA XXXX Subject : Formal Dispute of Inaccurate Bankruptcy Information on My Credit Report To whom it may concern, I am writing to formally dispute the bankruptcy information that is currently reflected on my credit report, as provided by your agency. I am fully aware that bankruptcy-related data may persist on a credit report for a maximum of ten years. However, I firmly assert that this particular information is both erroneous and detrimental to my credit score, as well as my ability to secure credit. Under the provisions of 15 U.S.C. 1681 ( a ) ( 4 ), it is your responsibility as a credit reporting agency to uphold the principles of accuracy and consumer privacy in credit reports. The inclusion of this bankruptcy data not only constitutes a factual inaccuracy but also infringes upon my consumer right to privacy. 
Chapter 7 Bankruptcy Discharged XX/XX/XXXX XXXX U.S. Bankruptcy Court I am requesting that you remove this inaccurate bankruptcy information from my credit report immediately, in accordance with my rights as a consumer under the Fair Credit Reporting Act ( FCRA ). 
Please provide me with written confirmation of this removal and an updated copy of my credit report once this change has been made. 
Thank you for your attention to this matter. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Arizona XXXX {$1000.00} Original date of service : XX/XX/18 Sold to Miramed Revenue Group I went to the my Doctor 's office for something that should not have been sent to a lab for results. I was not aware of this cost of {$1000.00} or I would not have consented to the lab work being done. In the past I was treated with a prescription, but this particular nurse practitioner had repeatedly wanted to send things to the lab. 

I got the bill and called the Doctors office. They told me it was just too bad, & my responsibility to pay it. 

The results even indicated that all I needed was a prescription to remedy the problem.