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

In XX/XX/2018 I canceled my cellular service with XXXX XXXX XXXX in the middle of the billing cycle. They verbally informed me that I would be billed for only 50 % of the month of service. I relied on that verbal agreement. When the bill arrived they billed me for the entire amount of {$180.00}. I called to complain and they said it was their policy to bill through the end of the billing cycle. I reminded them that they made a verbal agreement with me to bill be for 50 % ( {$93.00} ). They refused and turned me over to a collection agency when I refused to pay the full bill.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 i sent off a dispute letter and still havent recieved a response
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a complaint and Experian lied and said these accounts do not appear but the false accounts by XXXX XXXX and XXXX XXXX are is still being reported despite their lie that they are not.
Product: Debt collection

I had a XXXX XXXX card opened through the XXXX XXXX XXXX XXXX XXXX XXXX in XXXX. The last payment that I could make was in XX/XX/XXXX. The credit card went delinquent. In XXXX when I filed taxes to get my stimulus money from the rebate, my whole refund/stimulus money was garnished. Transworld systems sent a letter that I owed XXXX for the XXXX XXXX card. Then I received a letter from bureau of fiscal service stating my refunds will be offset. In XXXX TransworldXXXX  XXXX XXXX my XXXX XXXX XXXXXXXX XXXX Every month my social security gets offset. The statements that are sent keep getting bigger. They have taken several thousands of dollars from me and they say I still owe XXXX. I dont believe this debt is legally enforceable due to the age and the excessive inconsistent fees added on every month. Im low income and receive XXXX and XXXX through the state. I rely on my social security benefit. The credit card was only a XXXX credit limit. They have collected far more than what the limit ever was. The amount they offset each month doesnt go towards the principal because they keep adding interest and excessive fees.
Product: Checking or savings account

I closed my account and they kept allowing transactions to attempt withdrawals and I was charged NSF fees. 
I complained and said the account has been closed. They didnt care and let the account go negative over {$700.00} in fees then wanted me to pay them back for the bank fees. I refused so I was reported to XXXX XXXX I couldnt open an account with any bank for over a year. 

This occurred in 2011 I believe. 

Account name XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent over 6 requests to have inaccurate address removed from Experian Credit Bureau ; on XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX and XX/XX/XXXX. Each request has never been answered and never removed.
Product: Mortgage

I took out what should have been a short term loan until I sold the property. However, this has turned into an issue where I have been unable to pay off the loan. The company keeps adding renewal fees to the loan each year and capitalizing the amount to the loan balance. The interest rate is very high. I have tried to pay this off to no avail. Please help!
Product: Credit reporting or other personal consumer reports

According to experian this account was charged off with inaccurate dates reporting. Since then the date, High Balance, Last Verified, Date of Last Activity, Date Opened, Last Payment, and Credit Limit has been inconsistently updated. On Equifax the date last active is ( XX/XX/year> ), on XXXX it's ( XX/XX/year> ), on XXXX the date last active is ( XX/XX/year> ). If the information is coming from the original creditor the dates should be the same. We can not say these account are 100 % accurate so it is deemed INACCURATE. Please delete this account from my report. 

Data Reporter Name XXXX XXXX XXXXXXXX Account Name Number : XXXX
Product: Credit card or prepaid card

Back in 2015, we noticed a charge on our Macy  's credit card called " XXXX XXXX  '' so we called Macy 's who said that we needed to call the XXXX XXXX company directly to cancel it. We had opened an account at a register during checkout and never signed anything so we did NOT approve this! We called the XXXX XXXX number and they assured us it was cancelled. Now, we discovered just a couple of months ago that they have continued to charge us ongoing since then! We called in again and they see that we cancelled it back in XX/XX/XXXXbut have not credited our account for the charges since XX/XX/XXXX... Nor did they ever stop charging us!!! Macy 's keeps telling us to talk to XXXX XXXX  but when we call XXXX XXXX, we are just told it has to go to a review process and then nothing ever gets resolved. We have been dealing with this for months now and have gotten nowhere. We NEVER agreed to this " protection '' and are being taken advantage of. Shame on Macy 's for doing this to us! I am outraged and will not shop there again until it is resolved.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX # XXXX XXXX XXXX  XXXX ( Original Creditor : XXXX ) # XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
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  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Bankruptcy Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : 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

On XX/XX/2021 I received an email from Citizens One Personal Loans congratulating me on my purchase of XXXX XXXX XXXX The email provided me with a line of credit account number. I called to immediately notify the company this was a fraudulent attempt and after providing my personal information, the representative stated there was a piece of information I provided that did not match the application. She stated she would send the complaint to the credit agency to file as fraudulent. According to Citizens Bank, the line of credit approved was for {$1600.00}. I do not own an XXXX or even own a television. I do not have any friends, family members, or even a spouse that owns an XXXX 

I took action freezing all of my credit reports and filed a report with XXXX to dispute the inquiry. XXXX denied the dispute. Upon calling XXXX, I asked why it was not approved and could not get a clear answer because of a language barrier. I did instruct the rep to mail my denial to me for review ( they are not able to email and the PDF on their website would not open ). I disputed the inquiry on XX/XX/2021, here is the confirmation number of the dispute : XXXX, and again disputed it a second time with confirmation number : XXXX. I am filing this because I do not know what further actions to take.
Product: Debt collection

A debt collector called Credit Collection Services keeps calling my work phone and leaving voice mails on my work answering machine. I have caller ID so the number they are calling from is XXXX. These calls are constant throughout the work week and I 've even come into them on a Monday where they 've left them on the weekends. They are calling all the time.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is an updated complaint. On XX/XX/2022 I notified TransUnion was notified by me XXXX XXXX and the CFPB of the violations that they are clearly guilty of. I will upload all exhibits. On that day the company was notified by the CFPB and also on Monday XX/XX/2022 at XXXX am my violation letter and invoice was signed for by XXXX. I have not received a response from transunion. I have also asked for description and procedure of the reinvestigation of the XXXX account that they stated was verified but they never provided me with the information. I asked for this two different times and I have disputed these accounts for three years now and this company is reporting false and misleading information and also incorrect information. They are in violation of the FCRA and they haven't responded to my complaint and they have not paid the invoice.
Product: Credit reporting or other personal consumer reports

You can not understand question asked by computer or live person. Also want you to answer false things that you never apply for, car, payday credits, banks home loan, ect, not me, havent work or driven in years because of disable. I have not seen it in years. The lady dont seem to care about wrong questions she asked for at least XXXX credit card in pass, i had a old credit report and what she saying its not me
Product: Credit reporting, credit repair services, or other personal consumer reports

On correspondence dated XXXX XXXX, XXXX, I wrote to this company asking for Validation documents for account number XXXX. More than 30 days have passed, and this company still has not sent me any validation document. This is a violation of Both FCRA and FDCPA. For the other referenced accounts, I have never received any validation documents as well. Almost two months and nothing has been sent to me to prove the validity of this item. This is my last resort and I am not going to hesitate to get my legal counsel involved.
Product: Credit reporting or other personal consumer reports

My account # with XXXX is XXXX. My school loans were paid off in XXXX of 2023. XXXX has not sent an account status to the credit bureau in years in spite contacting them numerous times and filing multiple complaints. I need them to report my status to credit bureau that my loans have been paid in full. 

XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/XXXX around XXXX EST I set up a funds transfer from my outside bank to my USAA checking account in the amount of {$2000.00}. To date this transfer has not been completed. I attempted to access my account on XX/XX/XXXX and was denied access stating that I was required to complete a W9 before being allowed access to my checking account. I was transferred to an electronic W9 form that did not work with an error message that instructed to call USAA for assistance. I attempted to gain access to my checking account for a while longer before reaching out to USAA XXXX. I spoke to XXXX XXXX XXXX. She told me that it was required that I complete a W9 yearly despite my having no products for my business at USAA and USAA sending all of my investment products over to other companies several years ago. 
I asked to have my account unblocked immediately. My request was denied. I was told that I would have to complete the form that was not accessible on the web before my account could be released. 
I asked to have the form sent to my account so that my account could be released. XXXX refused to send the form to my documents. 
XXXX also refused to transfer my call to the department that handled the block and W9 forms.

I have also signed W9 's previously. 

XXXX was unable to provide a reason as to why the bank needed a W9 or as to why the bank allowed me access to my accounts on XX/XX/XXXX but blocked my access on XX/XX/XXXX and did not completed my transfer from XX/XX/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. 

Account name : # XXXX, XXXX XXXX, Account name : # XXXX, XXXX XXXX XXXX XXXX, Account name : # XXXX XXXX XXXX XXXX Accounts name : # XXXX XXXX XXXX XXXX, Accounts name : # XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, have 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 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 card or prepaid card

I purchased a vanilla one prepaid card from XXXX in the amount of XXXX dollars. A couple of hours after purchasing I noticed four purchases that I dont authorized nor make in the amounts of XXXX, XXXX, XXXX, and XXXX dollars. I immediately phone vanilla one about these transactions and they did cancel the card. I also reached out to where to the company where these unauthorized charges was made and they was very helpful and attentive. They communicated with me in a timely manner, unlike one vanilla, and they told me since this was a prepaid card I need to contact one vanilla. Ive have called and emailed them several times, which is documented, about my dispute of XXXX dollars. I still have the receipt and packaging of proof of purchase.
Product: Checking or savings account

I attempted to make a {$3700.00} Cashier 's Check deposit to my Bank of America personal savings account by visiting a local branch of theirs here in XXXX, TN on Wednesday, XX/XX/XXXX. The check was drawn from XXXX XXXX  here in XXXX, as part of a withdrawal also occurring on XX/XX/XXXX. XXXX at XXXX XXXX  stated to myself in person at the branch located on XXXX XXXX XXXX, XXXX TN that the check had been paid, and also proceeded to give me written documentation to that effect. 

Upon arriving at the Bank of America branch on XXXX XXXX here in XXXX this morning ( XX/XX/XXXX ) I had it confirmed that the email that Bank of America sent me indicating a hold on the funds of {$3700.00} until XX/XX/XXXX XXXX was indeed correct. The manager at that location said quote " I'm just a little pebble on the sand and I can not help you. '' However, she did give me written confirmation indicating this new portion of my account 's funds as included in the grand total column, that column being labelled " Available Funds. '' Upon further investigation, however, these funds will not be available to me for withdrawal until the stated time of XX/XX/XXXX. The customer service representative with Bank of America I spoke with this morning ( XX/XX/XXXX ) accused me of fraudulent activity and said " this check has a hold on it because of fraud. '' Unfortunately for her, there is no evidence of fraud on my part or on the part of XXXX XXXX. The only evidence for fraudulent activity appears to rest with Bank of America. Therefore, the Bank has until close of business local XXXX time on XX/XX/XXXX today to return these funds to me. If the Bank of America officials refuse to comply with this deadline, I will bring this matter to the attention of other law enforcement agencies at either the local, state, or federal levels ( where applicable ) for possible criminal prosecution to the fullest extent of the law. I need these funds to pay for living expenses when I return to XXXX, Arizona, on XX/XX/XXXX, and I find this behavior on the part of Bank of America to be unethical as well as possibly illegal. That is all at this time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been disputing with the three bureaus for a long time. Now I'm really getting inpatient. Please delete these addresses immediately. I also have more accounts attached to the documents that. I've been fighting for way too long on these accounts that do not belong to me / late payments that im not aware. 
*These are not my accounts / addresses *I don't recognize these inquiries *I have never been late on payments The Bureaus have been violating my rights by not giving me proper documents proving that they can obtain such information on my credit report with no signatures no proof of verification /no validation no signatures no XXXX. Please help me cause I'm taking this to the next level after this
Product: Credit card or prepaid card

I have reason to believe that Synchrony Financial is attempting to use dishonest, fraudulent tactics to extract late fees from customers. On XX/XX/XXXX, I applied for and was granted an XXXX XXXX   Credit Card backed by Synchrony Financial. On XX/XX/XXXX, I still had not received any form of card, bill, or statement from the company. I attempted to go online to access the account, but they require an account number. Since I had never received a bill, card, or statement, I did not have the account number. I tried to use their telephone system, and it also required an account number. I was then able to get a representative on the line, and he verified my ID with my mailing address and social security number. When I asked for the account number so that I could submit a payment, he said that the law forbade him from giving the number over the phone. I then asked to speak with a supervisor, and they placed me on hold for over 30 minutes before disconnecting me. I am trying to make a good faith effort to pay my bill, and Synchrony is actively preventing me from accessing my account to do, which will lead to late fees and interest charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX DOB XXXX SS XXXX I am trying to protect my credit file and update the correct information address and status. 
the following address are not mine and/or incorrect. Please delete/remove the following addresses : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX, OH XXXX The following phone numbers are not mine please remove/delete them : ( XXXX ) XXXX, ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

Since 2019, I have been attempting to dispute the inaccurate reporting on my Navient account, which shows as 90 days past due in XXXX  2019. This information is incorrect, as the account was supposed to be in deferred status during that time. 

I have sent multiple letters and filed disputes online to address this issue, but it remains unresolved. This inaccurate reporting has negatively impacted my credit and hindered my ability to obtain other opportunities. 

If you review the account history, you will see it marked as No Data ( indicating deferred status ) prior to this, so it is unclear how it jumped from deferred to 90 days delinquent. 

I am requesting that this error be corrected and removed from my credit report immediately. I look forward to your prompt response and resolution of this matter. 

Thank you
Product: Credit reporting or other personal consumer reports

OF FRAUD. INQUIRES BELOW ARE UNAUTHORIZED ACCOUNTS IN A DATA BREACH. PLEASE DELETE BLOCK REMOVE FROM MY CREDIT REPORT. I CONTACTED CREDITOR TO DELETE REMOVE BLOCK FRAUD ACCOUNTS AND NO RESPONSE.REMEDY PLEASE DELETE REMOVE FROM MY CREDIT REPORT. 
XXXX ; XXXX ; TRANSUNION ; I CONTACTED CREDITOR TO DELETE REMOVE BLOCK FRAUD ACCOUNTS AND NO RESPONSE.REMEDY PLEASE DELETE REMOVE FROM MY CREDIT REPORT. 

XXXX : 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 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  CLAIMS OF FRAUD. ACCOUNTS BELOW ARE UNAUTHORIZED ACCOUNTS IN A DATA BREACH. PLEASE DELETE BLOCK REMOVE FROM MY CREDIT REPORT. I CONTACTED CREDITOR TO DELETE REMOVE BLOCK FRAUD ACCOUNTS AND NO RESPONSE.REMEDY PLEASE DELETE REMOVE FROM MY CREDIT REPORT. 
XXXX ; XXXX ; TRANSUNION ; I CONTACTED CREDITOR TO DELETE REMOVE BLOCK FRAUD ACCOUNTS AND NO RESPONSE.REMEDY PLEASE DELETE REMOVE FROM MY CREDIT REPORT. 

ACCOUNTS : Account Name Account Number 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  THIS INFORMATION IS TRUE TO BEST OF KNOWLEDGE.
Product: Credit card

Macy 's New York accessed my credit report / file without my permission. During a recent deposition ( within last 6 months ) where I have challenged Macy 's for adding my name as a joint owner to my wife 's Macy 's closed credit account for collection purposes, I was provided with a screen shot of both my credit details and my wife 's credit details accessed by Macy 's on XXXX XXXX, 2003. I did gave Macy 's permission to access my credit details nor did I apply for a credit card with my wife. My wife visited the Macy 's Department store at the XXXX XXXX XXXX in XXXX, XXXX and requested an individual credit card. I was not with my wife at the time was working in XXXX at the time. Statements initially were only in my wife 's name but at a much later date, unknown to either of us, Macy 's added me to the account. This action has had a negative impact on my job search and I have sought legal action through the courts.