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

When I investigated my credit report, I realized that some of the information was erroneous. Equifax and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXX XXXX Balance {$240.00}
Product: Credit reporting or other personal consumer reports

I woke up this morning and was shocked to see a XXXX point decrease of my equifax XXXX  score because I had been fixing my report ever since i found out my identity had been stolen. I checked my report and it turns out that an account that was already removed before was added back onto my credit report under a different name.
Product: Debt collection

I believe the account is invalid. DNF Associates LLC needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to any breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. Further, the alleged account was transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed item then I require the account to be removed from my credit & their records.DNF ASSOC XXXX
Product: Bank account or service

I have a checking account with Chase Bank. They have deceptive ways of showing my available balance. Sometimes all of my pending charges are subtracted from my available balance. But sometimes a pending transaction will appear on my list of transactions, but will NOT have been subtracted from my available balance. Such that, I believe that including all my pending transactions, I have enough money in my account to cover everything. But then my account can become overdrawn, because my available balance was actually lower than what the bank represented it as being. Then they are able to charge me an overdraft fee. I understand that I have a responsibility to keep my own ledger of my transactions, but frankly, that 's why I have a modern, online banking account, so that it can do it for me. If I simply take a cursory look at my account balance, and see that a charge is listed in my pending transactions, I assume that it is reflected in, and has been deducted from, my available balance. Especially if I have XXXX pending transactions, which is very common considering how often I use my debit card. Because in the columns where it displays the withdrawal/deposit/balance for each item, if a transaction is pending, it does n't show you the balance column. So unless I add up all XXXX transactions and compare that to the actual available balance, I would n't know that I did n't have enough money to cover my account. It 's just misleading. I have been charged {$10.00} overdraft fees twice now, which is n't an exorbitant amount, but it 's the principle of the thing.
Product: Credit reporting or other personal consumer reports

I discovered unauthorized inquiries on my credit report this morning and have no idea why theyre there. I refreshed my browser multiple times, thinking it might be a glitch, but the issue persisted. I am deeply frustrated and insist that the documents I submitted be thoroughly reviewed so I can stop worrying about this.
Product: Credit reporting or other personal consumer reports

Ive sent in A letter to XXXX, Experian, and XXXX over 30 days ago and they repeatedly told me to wait for a call back to handle this matter. I explained to them that they only had 30 days to respond and they failed to do so. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other in accordance with the written instructions of the consumer to whom it relates. XXXX XXXX and Experian do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, Experian, and XXXX ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that A financial institution may not disclose nonpublic personal information. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states 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. 15 U.S. Code 1681e states Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX, XXXX, and Experian are not maintaining reasonable procedures, and is in violation of severals even the ones I didn't state.
Product: Credit card or prepaid card

Citicard declined a fraud claim. They fail to comprehend that I had 2 credit cards in my name on the same account as well as the card being used in 2 different locations. My card was fraudulently used on XX/XX/XXXX at XXXX XXXX, XX/XX/XXXX {$39.00} XXXX XXXX, XXXX XXXX XXXX XXXX {$100.00}, XX/XX/XXXX XXXX {$190.00} XXXX XXXX and XX/XX/XXXX {$320.00}. XX/XX/XXXX XXXX XXXX {$320.00} XXXX XXXX  I used my card on XX/XX/XXXX at XXXX, XXXX and XXXX in a different city and I sent them all addresses of my legitimate transactions and the fraud transactions as well as mapquest showing the miles and time and that i cant be in 2 different places at once. My chip stopped working in XXXX  and I requested a replacement card. I never destroyed the chip card that sometimes worked. I had two cards in my name on same account and one was lost. They actually told me to file a police report, call the merchants and requested the front and back of mine and my husbands drivers licenses. The total fraud is like {$600.00}. I have been a Citicard member since XX/XX/XXXX and spend $ 2-3k a month on Citibank and pay in full every month. Im not sending in my drivers license. Can they legally request this information? Im concerned about identity fraud and I feel they dont need this information.
Product: Debt collection

Today alone I have been contacted 4 times by American express, they threaten me. Claimed that if I did n't pay them {$6000.00} this month that they would drain my account and seize all of my assets
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit reports state I have a repossession account in which I do NOT have with VW. Please delete.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Equifax and XXXX are not updating this balance correctly on my credit card. I would like for this cc to be updated with a XXXX balance
Product: Credit reporting

Outdated information and negative old medical collection accounts continued to be report by XXXX despite payments made in full.
Product: Credit reporting or other personal consumer reports

This complaint is against Transunion. I submitted a complaint on XX/XX/2023 because Transunion dropped my score XXXX points overnight, and told me the reason was based on an algorithm. Complaint number XXXX. After filing my complaint, Transunion put my score back to where it was. Now, however, they are slowly lowering my score, XXXX points the other day, XXXX points today, to get me back to where I filed my complaint. While I realize scores are not going to match with other agencies, there should not be a XXXX point difference. And again, could not get a reason why Transunion only is lowering my score every few days. 

I want my score back to where it was. I pay my bills.
Product: Credit reporting, credit repair services, or other personal consumer reports

i noticed some fraudulent inquiries on my credit report that i did not authorize. Please remove it from my report immediately.
Product: Mortgage

XXXX   XXXX   XXXX   XXXX    filed complaint for foreclosure on property without including /mentioning previous existence of  XXXX  loan modifications.
Product: Credit reporting, credit repair services, or other personal consumer reports

Multiple Disputes letter sent XXXX XX/XX/2022 Got Update From TRANSUNION XX/XX/2022 Consumer Reporting Agency policy to report consumers nonpublic information is only applicable if all the disclosure requirements have been met by law by each Financial Institution under 15 U.S. Code 1638 and 15 USC 6802. I XXXX XXXX the consumer, sent three notices certified mail about the validity and accuracy of the accounts below. The Consumer Reporting Agency was given the opportunity to ensure accuracy and produce all general disclosures with consumers written consent required by law 15 USC1681b upon there reinvestigation. In response Consumer Reporting Agency stated that all accounts are accurate and have been Validated however the Consumer Reporting Agency failed to provide any Disclosures from each Account in question 15 USC 1681i. Disclosures are in fact a part of the accuracy of each account by law under 15 USC 1638 and 15 USC 6802. Failing to provide disclosures upon reinvestigation of Accounts listed the Consumer Reporting Agency has no consent to furnish 15 USC 1681b. These Accounts and the Consumer Reporting Agency have not complied with15 USC 1681e and 15 USC 1681m. I the consumer have rights and the Consumer Reporting Agency failed to comply with requirements of the law 15 U.S. Code 1681i along with other Laws and Regulations listed above that fall under The Truth and Lending Act, Consumer Financial Protection Bureau, Federal Trade Commission, Contract Law, and State Law. 

XXXX XXXX Alleged Balance {$1000.00} XXXX XXXX XXXX XXXX Closed PAID {$77.00} XXXX XXXX ACCOUNT NEVER OPEND
Product: Credit card

My problem is wuth American express. my problem is best described in the email I sent to the top officers of the company and the follow up email Dear 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 ( Chief XXXX XXXX, XXXX XXXX XXXX ) SEE BELOW letter Follow up note I am disappointed that you did not respond to my email of XX/XX/XXXX ( See below email ). You can disagree with my belief I was misled, but being ignored is a greater disservice to a loyal customer. 
XXXX XXXX XXXX XXXX note I have been a loyal American express card holder for over XXXX years in XXXX format or another. As a card holder starting out in the business world holder and as a business owner and president of a legal recruiting company. In fact, over the course of my career I have placed lawyers at American express. I was a gold card holder for many years but as my needs changed I became a green card holder. Most recently, I paid for a cruise on the XXXX line on XXXX XXXX in the amount of {$7500.00}. Prior to making the payment I called Amex because I was concerned about travel interruption insurance and the agent assured me that it was in place. I also believe these calls are recorded so there should be proof the event exists. To make a long story short I contacted covid and had to cancel my trip. Believing I was covered, I got the appropriate documentation from my physician to forward to Amex. To my utter surprise I was informed I wasn't covered. As a business person I have survived by being very cautious about details, and given all the possibilities in the current world environment I never would have left myself exposed. 
Needless to say, this experience has been very disappointing, and I plan to cancel my card after this. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a collections account opened at XXXX  XXXX on XX/XX/XXXX with a balance of {$2200.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

My wages were garnished due to this disgrace of a debt collection company using XXXX XXXX XXXX to take me to court. They never served me and could not prove that they did on XX/XX/XXXX in court. They served some man back in XXXX of XXXX that claimed to be my roommate. I live alone, work from home, and had been home working on the day that they served whomever this man was at THE WRONG ADDRESS! I tried to settle this debt in multiple occasions after I found out about XXXX XXXX XXXX  on XX/XX/XXXX of XXXX when my HR told me these people reached out to them asking for personal information. I had no idea who they were. I called and some lady started yelling at me like a maniac because I wouldnt give her my personal information. I dont know who you are so why would I? 

I called Midland to tell them that I knew nothing about this lawsuit and had been trying to settle it since I learned about it. The law firm refused to settle because I wouldnt give them a financial statement. LEGALLY I do not have to!! Instead they tried to bully me into this by garnishing my wages. I could not afford this and had to empty my account because of these disgusting, unethical, XXXX XXXX law firm. When I reported their tactics to midland, some XXXX guy using a fake name said he would have some department call me back and they never did. I dont run from my responsibilities and the fact I tried to settle this is good faith and was met with yelling and very rude people is by far the most disgusting part about this. 

The debt was charged off while I was STUCK IN XXXX DUE TO COVID 19 AIR CLOSURES FOR ALMOST A YEAR IN XXXX. The original debtor was aware and couldnt hold onto the account and I understood. I came home and got a job in XX/XX/XXXX. I had been trying to settle with the original debtor through the credit repair company that I had hired because I wanted to get my cards back. It was not my fault the world shut down. They put me through all of this nonsense and had the audacity to tell me to not be angry. Youve embarrassed me at my job, youve harassed me, and used a con of a law firm who couldnt even serve the right address which gave me no time or room to even settle this because they filed a judgment against me based on serving a complete stranger! There are XXXX addresses where I live that are identical except separated by street, court, circle or place. We barely get our mail delivered to the right address. They served another address and then used my real address on the service. XXXX XXXX  I called today to get this removed from my credit and some other XXXX guy with a fake name told me to call back in 7-10 days so that they can verify with the law firm that the debt is paid. I want this off my credit and I hope both the law firm and Midland get hit with a class action law suit for their unethical tactics. People like me who are not running from their responsibilities do not deserve this treatment.
Product: Credit reporting, credit repair services, or other personal consumer reports

TO : Equifax I am writing to dispute ( XXXX ) items on my credit report. XXXX XXXX XXXX ( XXXX XXXX ) and XXXX XXXX XXXX XXXX XXXX XXXX XXXX, According to XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXXXXXX ) is reporting that the account was opened on XX/XX/XXXX. I have enclosed a copy of the card and page 4 from my XXXX XXXX credit report which proves the account was opened on XX/XX/XXXX - - - not XX/XX/XXXX. 
Also according to XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX is reporting that the account was opened on XX/XX/XXXX. My XXXX XXXX credit report indicates that the account was placed for collections by XXXX XXXX on XX/XX/XXXX. I have enclosed page 5 from the XXXX XXXX credit report as proof the XX/XX/XXXX date is an error. I believe this account was opened in XXXX, however the credit report doesnt say. 


Respectfully, XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX my Bank of America card was stolen. As soon as I noticed the card was missing I went online and closed the card. It was to late. Someone checked the account then withdrew XXXX dollars and then used the card at a grocery store for another XXXX dollars. Also used it for a uber. This should have not been allowed for one because the withdraw limit a day is XXXX dollars and I already withdrew XXXX eariler that day myself. I tried to call right away to put in a claim because it definetily wasnt me. I was told I had to wait till monday to put in a claim. I called first thing Monday morning and filed a claim I was told to wait a few days to call and get a provisional credit. I waited 5 bussiness days calling today XX/XX/XXXX and now they are telling me I have to wait 10. My major issue here is that i can sneeze wrong and I have to call and argue to get my account turned back on so how did they let a theif steal over the daily withdraw limit and not have the card blocked. Now I am fighting to get my money back and will probally have to cancel vacation plans I had with my son because i can not get the money back in a timely fashion that shoul have never been taken in the first place as per their policy on daily withdraw limits. That and the fact they lock my card just about every time I try to use it but let a theif wipe my account out.
Product: Mortgage

SPS, Select Portfolio Servicing, purchased my mortgage from the previous lender ( XXXX, XXXX XXXX XXXX ) in 2019. SPS is conducting activities during the payment process designed to deceive the customer, and to cause customers to incur additional fees because of SPS ' intentional delaying tactics. 

For example, they will not permit me to log in to pay my account until I receive a " verification email '' from them. This is the procedure I have had to endure each month when I try to make my payment, for the past nine months. 

They say on their web page : " We'll send your code to the email address listed below. Please verify this email and click Continue ... ... Allow time for the email to be sent. We will send it immediately, but other factors determine how quickly you will receive it in your inbox. Be sure to check your SPAM folder if you have one. If you waited but never received an email from us, please contact customer service. " After this page is published they then fail to send the email, at least not until after the online session times out ( Screenshot attached ) or you call customer service and wait on the telephone for an extended period of time, last time was about 40 minutes. Then when you do get a customer service representative on the line, they tell you it is your fault because you " cleared the cache '' on your computer, and that by doing so you have removed their capacity to recognize the computer you are using. As if they have the privilege of determining which compute I might use to make my payment, or how I should operate it! Outrageous! 

As of this moment it has been just over 35 minutes since I received notice at their website that I should check for an email, and none has arrived. 

They are trying to generate late fees and service fees by this tactic, and it is simply fraudulent. So far I have managed to spend the time each month to comply with their foot dragging, but it is infuriating.
Product: Credit reporting or other personal consumer reports

This is an addition to the first dispute I forgot to send this off so please add to my first dispute this is not in error and you have 4 business days to block this information please do this at once