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

Hi I am submitting this XXXX XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion 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 719transunion has me at a score around 590. That is a huge difference. transunion 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 XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX 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 Transunion. 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 XXXX ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX now.with no help.
Product: Debt collection

XXXX closed the account many years ago and submitted it to CACH LLC for collection. This debt was disputed and the amount owed. CACH continues to report it every year to keep it open on my credit report and I have never received a copy of the orginal paperwork as requested from XXXX. XXXX is reporting it as well as CACH. So I have XXXX companies reporting the same debt each with different amounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please reverse the late payments reported on the following accounts : XXXX XXXX XXXX and XXXX  XXXX XXXX The accounts were never past due, I never made a late payment to this company ever please change this, I have a good relationship with these companies.
Product: Credit card or prepaid card

On XX/XX/2019 my wife and I went to XXXX for vacation at Now XXXX XXXX. We were approached by salesmen from the XXXX XXXX XXXX in the resort lobby.They wanted to give us information on their club. There was intense pressure from the salesmen. We told them we were exhausted from an early flight and needed to relax. They asked us to meet them for breakfast next morning at the resort where they began their heavy sales pitch. They took us to office promising all these perks for joining club. They said it would cost $ XXXX/person / night which would pay for the food and drinks at resort. There would be an annual fee {$150.00}. No other fees but more perks ; i.e. coupons to use at each resort. They pushed alcohol on us. They had a bar in their office which had several people walking around waiting to pop a bottle of champagne after we said yes. They pushed alcohol on us from the beginning. The total cost was {$40.00}. They wanted {$20000.00} down. We didn't have any high limit credit cards on us so they talked my husband into opening a card with Barclay Bank for {$13000.00}. We are disputing that with Barclay now. Barclay said that the application was approved under a dubious guise. The additional amount of {$7800.00} had to be wired by XX/XX/XXXX to make the 50 % down. When we got home I called the booking receptionist to check on a resort of theirs in XXXX XXXX. She said with a promotion in XX/XX/XXXX it would cost $ XXXX/night/person. She said there weren't any rooms in any of the resorts that were $ XXXX/night/person. The contract is full of many fees that wer n't mentioned during the sale. They gave us other benefits while we were there, such as expensive dinners, boat ride, tickets to musical show, massages, upgraded our room. No mention of having to pay anything back. These were gifts. After getting home we saw in contract that there were many fees not mentioned, plus they could go up on fees in future. We have sent an email to the company. We don't expect to hear from them. Their bank is XXXX XXXX but the money transfer was to XXXX XXXX XXXX.
Product: Vehicle loan or lease

I obtained a loan from OneMain Financial in XX/XX/XXXX for a vehicle for my daughter. I was insured the loan using the car and obtained extra services to make sure the car would be paid off in case of employment/accidents/death. I paid XXXX XXXX monthly on time, in XX/XX/XXXX, the car was totaled loss in an accident. My insurance company paid {$1000.00} over what was borrowed for the car. OneMain Financial is saying I still owe {$2000.00} on the loan after I have paid {$390.00} on this loan for over 3 years then the insurance company paid almost {$7000.00} when the loan was {$5500.00} for the car with added services to insure the loan would be settled in case of any issues.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately, I had two missed payments on an account that i was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. this account has not been delinquent on payments i've attached a copy of my report to this complaint on the following dates XX/XX/XXXX and XX/XX/XXXX I'm now requesting you investigate and provide verifiable proof with records showing that I had late pavements. Please investigate the information and provide verifiable proof with records showing that my payments were late on. I demand that you remove this information from my credit report if it can not be verified without violating the following consumer rights : 15 U.S.Code 1666b, 15 U.S.Code 1681 section ( a ) & ( b ) - Permissible purposes of consumer reports, and 16 CFR Part 313 PRIVACY OF CONSUMER FINANCIAL INFORMATION.
Product: Mortgage

Mr Cooper is charging me like XXXX XXXX ( I have to look at my last statement ) because I was in a forbearance do to COVID. Are they allowed to charge me? Now I have additional money to pay on gop of my 50 year mortgage
Product: Debt collection

XXXX, XXXX and XXXX encouraged me to submit an offer for 80 % of credit card debt after I stated the debt was due to identity theft. I never received validation of the debt before being taken to court. My statement was never acknowledged. I sent XXXX, XXXX and XXXX documentation that I was working with a debt-settlement firm to dispute the debt with no acknowledgement prior to court. None of this information was ever acknowledged. After the I paid timely payments for sixteen months, XXXX, XXXX and XXXX notified me over email that a payment 30 days prior was returned. I explained that my bank account was switched and attempted to pay but was told ( on a federal holiday ) to mail certified funds. I then asked for my total balance and offered to pay the remaining balance due and did not get a response until sixteen days later when told account was in default and the original offer was now void after I have continually tried to contact the firm. The law firm claims to have sent a letter, my statement of not receiving it was not acknowledged. I have, again, stated that this debt from 2020 was not mine with no acknowledgement. Communication has been negligent, coercive, and borderline discriminating. I believe that this firm has and continues to demonstrate gender discrimination by taking advantage of my gender and assumption that I would not know my rights and accept settlement. This law firm has 7,424,177 complaints and continues to commit fraud and theft to benefit high interest credit companies.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several endeavor to tell credit bureaus that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$1600.00} ; XXXX XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, 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. 
XXXX XXXX XXXX, has violated my rights 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 man 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: Checking or savings account

I opened and funded a high interest savings account with Valley Direct. They have been advertising all over the place with 5.25 % interest rate. 
The disclosure states, " As of XX/XX/2023 interest rates are 5.25 % '' I opened my savings account on XX/XX/2023, check the account and it states that the interest rate is 5.115 % I called to inquire and all they had to say was that rates change and I know this, but they have currents ads stating 5.25 %. Several banks offer this rate, but now my money is tied up here.
Product: Checking or savings account

NFCU has abused my intelligence along with my access and use of checking account, the whole time Ive had this account they never reported my excellence of banking. But I did receive a no access warning while out shopping and to call them and was not able view my account over 6 months ago. I called their fraud department and spoke XXXX and whom talked to with very condescending threats about me receiving a cash app deposit as if he was implying that I was money laundering and he sent me an affidavit to file out and complete and since this Ive havent heard anything. But I fo know all these banks that have closed my accounts are in legal trouble and laws suits themselves and Im suffering behind their fraudulent and the federal reserve needs to do something about this. Its ridiculous cause filing these complaints gets it nowhere okay XXXX you have NFCU listed in a mayor lawsuit for intentionally closing accounts no reason Im including myself as part of this abuse in this pending case.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting account, XXXX Account XXXX XXXX, has violated my rights. 

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 an account without my written instructions. 

15 U.S.C. 1666b. A Creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any reason.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a remaining balance due to AES that was consolidated with a loan I had with XXXX sent to a collections agency I was contacted by this collections agency XXXX XXXX, I paid XXXX to XXXX XXXX to pay these XXXX XXXX off. I spoke with XXXX XXXX at the company and they were to send documents to both loan holders that the loans are paid off. Only Illinois XXXX XXXX XXXX has remover the default from my credit and shows my payment paid. AES refuses to make any changes on my credit. And they still are trying to collect the same amount now from a different collection agency. This is ridiculous. My name is XXXX XXXX. My SS # is XXXX please help me clear this up with this loan causing problems with my credit scores I have paid this off and they refuse to allow me to pay off this loan. Yet will continue to report it delinquent.
Product: Credit card or prepaid card

This is the third day in a row where I have not been able to use my Citi Card due to their overzealous fraud department. I have called them and they have said the card would become active and I could use it, only for it to ONCE AGAIN be flagged for fraud ( sometimes on the exact same transaction that they said would be OK to use the card on ). This is unacceptable. Either let me use my card or prepare for a lawsuit as this is verging on discrimination at this point.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX J # XXXX XXXX, Tx XXXX XXXX ( XXXX ) XXXX XX/XX/year> To : XXXX XXXX XXXX XXXX : Formal Request for Deletion of Unverifiable Debt Compliance with FCRA Dear Sir/Madam, I am writing to formally request the immediate deletion of an unverifiable XXXX XXXX collection account that was previously reported on my credit report on Equifax. I recently disputed this account with XXXX, and after their investigation, the account was deleted from my credit report as of XX/XX/year>. Because XXXX has completely deleted this account, this serves as proof that the account is unverifiable and must be removed from my credit report with your agency as well. Under the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ), credit reporting agencies are required to delete any information that can not be verified or is found to be inaccurate. Since XXXX has removed the account after their investigation, it is now considered unverifiable and must be removed from all other credit reports immediately. 
Additionally, under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. XXXX ), data furnishers must not report information that has been disputed and found to be inaccurate or unverifiable. If this account remains on my report, despite being removed by another major credit bureau, it constitutes a violation of my consumer rights. 
I am formally requesting that your agency delete this account from my credit report within 30 days or less, as required by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Failure to comply with this request may result in legal action, as I have the right to pursue damages under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX ) for willful or negligent noncompliance. 
Please provide written confirmation of the deletion or an updated copy of my credit report once the account has been removed. If you choose not to delete this unverifiable account, please provide me with a detailed explanation of your decision, including the method used to verify the account, within the required timeframe. 
I appreciate your prompt attention to this matter and expect a resolution within the legally mandated timeframe.
Product: Payday loan, title loan, personal loan, or advance loan

XX/XX/XXXX I disputed both accounts due to late payments due to locked cards
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been in school and I am still currently in school. However, XXXX XXXX has added late payments when they should have differed. Multiple times, I have asked for that to be corrected, but they continue to refuse to remove the late payments. 
I was at Florida XXXX XXXX  from XXXX for my XXXX  's, XXXX for my XXXX  's, and currently obtaining my XXXX starting XX/XX/2022. 

Furthermore, under 15 USC 1681, I never consented to share my information.
Product: Credit reporting, credit repair services, or other personal consumer reports

There ar e two n ew items appearing on my credit report that have refused to do a federal consumer item verify. The items are years ago and the company 's are not able to verify or refuse to acknowledge the identity theft on my credit report.     AI would like to have these items removed from all credit reporting agencies due to the refusal of the institution to provide adequate infomation : ite m 1. Ac count  # 1 { $750.00} Balance  XXXX   XXXX  Original Creditor {$750.00} High Balance  XX/XX/XXXX  Opened Date  XX/XX/XXXX  Last Reported Individual Account.    Responsibility Medic  al  Remarks irem  2. A ccount  # 2 { $64.00} Balance  XXXX   XXXX  Original Creditor {$64.00} High Balanc ee   XX/XX/XXXX   Opened Date    XX/XX/XXXX    Last Reported Individual Account.   Responsibility Medical Remarks Note
Product: Credit card or prepaid card

I am submitting this complaint because I had XXXX credit card accounts with FNBO. On XX/XX/2022 I received the XXXX letter in the mail that stated they are suspending my ability to make any more transactions with XXXX of my cards. It also stated that to get my spending privileges reinstated that I need to submit copies of my driver 's license, social security card and a recent pay stub. I submitted these items through email and mail but on XX/XX/2022 I received another letter stating that the account had been closed and to destroy the card. I called them to question them about the situation and the reprezentive could not give me a reason why my credit account had been closed. All of my payments where on time FNBO had no reason to request my personal information as this is violation on my right to privacy. Also when they closed this credit card account it dramatically affected my personal credit score and they are also continuing to add interest as if the card is still active. I feel like I am being discriminated against because no one has any explanation to how and why this could happen. I also sent them a certified letter over 45 days ago regarding this matter and FNBO did not reply.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have expressed to XXXX XXXX credit card company that they were not reporting any accurate information. This is a fraudulent account and it has ruined my character. I have requested in writing by mail certified that they would stop reporting any and accurate information to the cra 's yet and still they are still reporting inaccurate information to the CRA 's. There has not been any information verified according to the CFPB compliance with consumers. All of this is caused by a lot of stress and harm to my well being as far as attaining a home and other essential services.. Please stop violating me as a consumer!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a host of hard inquiries that I have previously reported to be fraud on three credit reporting agencys reports. I have no knowledge of these inquiries. 
Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This complaint is filed pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) to request that the Consumer Financial Protection Bureau ( CFPB ) assist in the removal of fraudulent accounts appearing on my credit report. These accounts were opened as a result of identity theft and contain inaccurate and false information. The fraudulent accounts are as follows : XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Inquired on XXXX XXXX, 2023 These accounts have resulted in fraudulent credit reporting and collections on my consumer credit report. I demand that these fraudulent items be removed immediately and that all related collection activities cease in accordance with my rights under the FCRA and FDCPA.
Product: Debt collection

I am writing in regards to a notification I received today XXXX/XXXX/2017 on my credit reports. A collection was added to my reports and I want it removed immediately! The company is Americollect and the amount is for {$170.00}. I have never heard of this company and I do not owe them any money! I never received a dunning letter in the mail to dispute this matter. I want this inaccurate information removed from my credit reports immediately!
Product: Checking or savings account

For ethical reasons and because of sub par standard operating procedures being locked into my Direct Express Comerica Bank account has become untenable. I have found an online bank that meets my needs. I have asked the customer service agents at Direct Express/Comerica for the banking routing number and for my account number. Those numbers I would need to move where my monthly funds are deposited, I was told to speak to the person at The Social Security Agency to move my account to only then be told by them that Direct Express needs to provide me with the aforesaid info. I have had other bank accounts and never has such information been so coveted. I am locked into an account with a terrible apr and with a bank with dubious investment practices, terrible customer service and a loss prevention team that didnt notice my account being hacked for 3 months.
Product: Credit reporting or other personal consumer reports

Nelnet Failed to send me Proof of Signed Agreement To Pay Them anything and They Continue to Send documents or Government Mail to Places I DON'T LIVE that Breaches My PRIVACY AND SECURITY That Needs To STOP They Were Taken Off Of My XXXX and THEY NEED TO STOP REPORTING TO ALL CREDIT AGENCIES STOP TRACKING AND HARRASSING ME IT's Their Responsibility To Sent The Proof Not For ME TO GIVE THEM MY SIGNITURE OR ANY ID TO Compare anything to They Had my Address from The CFPB yet they continue to send my information to Delaware that is a whole different State.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 15 USC 1681 section 602 gas violated my rights.

Also, USC 1021 section 604 It also states a consumer reporting agency can not furnish an account with ought my written instructions. 
Account XXXX XXXX XXXX XXXX was paid off and is not showing. I have contacted company nothing was done.