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

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXXXXXX 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

In accordance with the Fair Credit Reporting Act 15 USC 1681 Section 602a States I have the right to privacy 15 USC 1681 Section 602a Section 2 states a consumer reporting agency can not furnish an account without my written permission 15 USC 1681a also requires such reporting agencies to be 100 % correct in there reporting. In have requested written documentation from your agency and the data furnisher 's you use. The data furnisher 's have related they have no such accounts on my record so I am requesting the written information from your agency : XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$32000.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$2500.00} XXXX XXXX XXXX # XXXX {$620.00}
Product: Debt collection

I had an account for internet services with XXXX, now XXXX that was opened in XX/XX/XXXX. When I attempted to pay my bill online, their site was unable to locate my account because someone had transposed my last name when my account was opened. 

I called into customer service and they were unable to correct the issue or locate my account. My account was suspended due to late payment, the amount due at this time was around {$90.00}. Because of the poor customer service, I elected to not have my accounted reinstated and returned the equipment. I did not receive a final bill from them attempting to collect the total amount due on my account or stating the total amount due. 

In XXXX of this year, I received a collection notice from AFNI , Inc, for the amount of {$300.00} for this account. There was no explanation as to the final charges. I was able to settle the account by paying {$180.00} ( estimated ), but the account now is being listed as 'settled for less that the amount due ' on my credit report. I was not advised this is how it would be reported when I was offered the settlement amount when paying the collection with AFNI. 

This collection is now being listed on my credit report, even though I 've paid this off, and will continue to be listed until XX/XX/XXXX. I do not believe this has been a fair process in the handling of collecting on this account by either XXXX or AFNI. XXXX because they erroneously recorded my account in the first place, and AFNI because they did not inform me the payment would be listed as a settlement in reporting to the credit bureaus.
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 bankruptcy, XXXX  XXXX discharge.. XXXX Account XXXX XXXX XXXX Account XXXX  XXXX Account XXXX XXXX XXXX .. Account XXXX  # 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 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

Hi I am submitting this 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 XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days n they record the calls XXXX 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

I have tried on numerous occasions to have these inaccurate debts removed my credit reports. I was never given notice that I had a right to dispute them before they were added. Upon checking my credit reports, that is how I found out about the accounts. I have disputed the debts with this company, asking that they validate that I have done business dealings with them, also asking that they send me proof of my signature agreeing to pay them.
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. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. Or 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 card or prepaid card

I made a cash advance of {$500.00} on XXXX XXXX'18. After the cash advance, I made a payment of {$500.00} on XXXX XXXX'18 and {$750.00} on XXXX XXXX'18. I was expecting Chase to apply the  additional payments in that month to cash advance as it is the highest APR. 

The customer representative initially kept insisting there was no payment of {$500.00} made in that month. When I asked to be connected to supervisor, the supervisor told me the rules around Cash advance APR could be tricky and Chase charge interest on cash advance until the next statement is generated. During our conversation I am not sure if she hung up or call got disconnected but I never received a call back. 

It is unfair for me as a customer as I made the payment to avoid high interest balance but Chase has different ways around that rule. 

The rule says that any additional payments should be applied towards high interest balance. When I made more than minimum payment Chase should have applied those to Cash advance as it started charging interest on the Cash advance at the time of payment. 

A few other discrepancies I observed in my statements : 1 ) When I refer to statement generated in XXXX'18, the amount subject to cash advance amount is {$370.00}. As per the supervisor, if Chase doesn't apply additional payments towards cash advance until statement is generated, then how did balance subject to Cash advance went down from {$500.00} to {$370.00}? 

2 ) Then in XXXX'18 statement why did balance subject to cash advance jumped to {$530.00} when there were no Cash advances in that month?
Product: Checking or savings account

Regarding a Wells Fargo checking account - being an accountant I actually monitor the account throughout the day so I observe in real time how debits and credits affect the account. At one point in the day, when the account had something like a {$3.00} balance, Wells Fargo allowed a {$14.00} charge to go thru then bringing the account to a negative balance. There were not enough funds to cover this charge so it should clearly have been rejected. Nope, not at Wells Fargo who revels in making their earnings thru the {$35.00} fees assessed on their accounts. By allowing the {$14.00} charge to go thru and have the account go negative, they then assessed the {$35.00} fee.
Product: Credit reporting or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT COLLECTION XXXX XXXX XXXX XXXX, VA XXXX ACCOUNT 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.
Product: Vehicle loan or lease

CREDIT ACCEPTANCE CORP IS REPORTING A ALLEGED ACCOUNT THAT I DO NOT RECALL NOR RECOGNIZE AS A RESULT I BELIEVE THIS ITEM MAY BE A RESULT OF IDENTITY THEFT AND I AM TAKING THIS STEP TO REMOVE THIS POTENTIALLY FRAUDULENT ITEMS FROM MY CREDIT REPORT..
Product: Credit reporting or other personal consumer reports

I am refiling this complaint to UNITED COLLECTION BURE Original creditor XXXX XXXX XXXX for allowing the fraudulent accounts on my credit report. I filed an FTC report, with the identity theft report number XXXX. As I checked my credit report these fraudulent account is still reflected on my credit report. I was expecting that I can count on them to protect my information and to provide accurate credit reports. There are multiple inaccurate information on my credit report the balances, date of late payments, payment status, date of last payment, and violation under FCRA policy and CFPB rule on medical collection.I have again attached the FTC report together with the letter of explanation for the reasons why these accounts should be corrected or deleted from my files.
Product: Credit reporting or other personal consumer reports

Hey XXXX XXXX XXXX XXXX and this is not a third party filing this complaint. I am overly frustrated with the investigation into the inaccurate accounts reporting on my consumer report. Ive given them over 60 days and they have failed to properly investigate my issues. At this moment I would have to Demand immediate removal of attached accounts. Thank you.
Product: Checking or savings account

XX/XX/2020 : I wanted to connect my banking information to XXXX XXXX and was told to go to CFPB to have my bank connected to the app once I had put in my credentials.
Product: Credit reporting, credit repair services, or other personal consumer reports

In response to my CFPB complaint XXXX, and other associated complaints, XXXX has updated ALL 5 Collection accounts on my XXXX credit report as " closed ''. This is not good enough whatsoever. While I'm pleased that XXXX/XXXX  has closed those shady accounts, they are still on my report and that is not acceptable. 

As all five of these are considered " unpaid, closed collection accounts '', I have the right to have these five accounts removed from my credit report entirely. Closing them is not enough, I respectfully demand that : 1 ) These five accounts are REMOVED, not " Closed '', from my XXXX, XXXX, and XXXX  credit reports 2 ) That XXXX  sends me a signed letter of deletion for all five accounts 3 ) That XXXX  instructs [ their law firm ] " The Law Office of Harris and Zide '' to stop threatening to sue me, since they clearly have no basis to collect on closed collection accounts, and that the Law Office of Harris and Zide sends me a signed letter stating they are no longer collecting, in any form, on either of the accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

us dept of ed/XXXX is a negative account, account no XXXX .... appearing, wrongfully with damage to my credit rating on experian and transunion accts. 
The famously wrongdoing creditor was cited recently in the news as one of their chief executives quit because he couldn't stand the chaos.He said we get over 500000 requests for credit correction per month.They are not being investigated but verified without any investigation on the part of the creditor.This executive was 2nd or 3rd in power to XXXX, the presidents new appointee to head the DEPT OF EDUCATION. 

ON MY ACCOUNT THE FINAL PAYMENT WAS MADE BY ME ON XX/XX/XXXX. 
I NEVER MADE A SINGLE PAYMENT AFTERWARDS, THE DATE OF FIRST DELINQUENCY IS XX/XX/XXXX LEADING TO CLOSURE/TRANSFER.THIS ACCOUNT ACCORDING TO CURRENT CREDIT LAW OF CALIFORNIA SHOULD HAVE BEEN DELETED NO LATER THAN XX/XX/XXXX.YET BOTH BUREAUS CONTINUE TO REPORT WITH THEIR INACCURATE PAYMENT HISTORIES AND ILLEGAL DAMAGING REPORTING, QUITE GRAVELY SO WITH STATUTORY DAMAGES ACCORDING TO THE FCRA
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft. The following Information is fraud. 
FRAUDULENT ACCOUNTS : XXXXXXXX XXXX  BALANCE : {$34000.00} ACCOUNT NUMBER : XXXX Date opened - XX/XX/XXXX XXXX XXXX BALANCE : {$450.00} ACCOUNT XXXX Date opened - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX : {$5000.00} ACCOUNT NUMBER - XXXX Date opened - XX/XX/XXXX XXXX XXXX XXXX  BALANCE : {$320.00} ACCOUNT NUMBER : XXXX DATE OPENED : XX/XX/XXXX SOCIAL SECURITY ADMINISTRATION BALANCE : {$000.00} ACCOUNT NUMBER : XXXX Date opened - XX/XX/XXXX FRAUDULENT INQUIRIES : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I am signed up for XXXX credit monitoring, and received an alert that a new collection account has been added to my credit reports. I have attached a screenshot of this from my XXXX credit monitoring service. 

I never received any correspondence from Franklin Collection Service regarding this debt. If i would have received this information, I would have paid this debt immediately during the validation period so the account would not show on my credit report. 

I contacted Franklin Collection Service and asked to speak to a supervisor. The supervisor had an extremely standoffish and rude tone and told me to take it up with the post office because he said they did send me documentation. When I asked him to send me another copy of the documentation that they sent me, he said " too bad '' and to, again, take it up with my post office. 

Unfortunately I am rebuilding credit so I am aware of how these situations work. Franklin Collection Service never sent me the initial information and communication about them having this debt, and I never even knew about it until my credit monitoring service picked it up. 

I am requesting that this account be deleted from my credit reports due to Franklin Collection Service not following the proper procedure to communicate this debt to me. 

Please let me know if you need any additional information from me. I will be glad to assist in order to get this matter resolved.
Product: Credit reporting or other personal consumer reports

I am writing to request the correction and update of my personal information as reported by your credit reporting agency under the Fair Credit Reporting Act ( FCRA ). The personal information that should be reported is as follows : - **Full Name : ** XXXX XXXX XXXX **Current Address : ** XXXX XXXX XXXX XXXX, XXXX, PA XXXX XXXX **Date of Birth : ** XXXX - **Social Security Number : ** XXXX Please ensure that only this information is reflected in my credit file. If there is any other information present, I request its immediate removal. It is crucial that my credit report is accurate, complete, and up-to-date. 
I expect this information to be updated immediately and request written confirmation once the changes have been made. If you require any further information from me to facilitate this request, please contact me at your earliest convenience. Thank you for your prompt attention to this matter.
Product: Student loan

My student loan was held by XXXX XXXX and was to be transferred to ATG. ATG said they did not receive my student loan. I need help to find the student loan. I ran my credit report, it does not show who is servicing this loan. The student loan has been " gone '' for almost 1 1/2 years.
Product: Debt collection

AD Astra Recovery Service XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX Has been sending me collection notices in the amount of {$300.00} the collection has been reported as past due. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.
Product: Checking or savings account

I received notification of several withdrawals in my account to XXXX. Two where automatically refunded than taken again. For a total of {$3800.00} I attempted to file fraud on the transactions and they closed my account. Since the account was closed I have no way to contact anyone at the bank about the fraudulent charges. Only XXXX was included in the fraud. Another {$2000.00} to XXXX was made and they would not allow me to file on the account. I receive XXXX from the department of veterans affairs and the bank is stealing protected income.
Product: Debt collection

To whom it may concern, For several months we been having problems with Bsi financial services processing our mortgage payment which were purchase in postal money orders. Bsi financial wanted us to sent the payment to a XXXX XXXX which we did for years but in several month our mortgage payments was arrive late we start sending to physical address which we mail out payments on the XXXX XXXX XXXX or XXXX now I did spoke to a manager at Bsi financial stated he'll take care of it. XXXX my Mortgage payment change and was sent out.XX/XX/XXXXXXXX payment sent out. XXXX XXXX we sent out XX/XX/2022 payment XXXX XXXX I notice the money order XXXXXX/XX/XXXX short immediately I contact Bsi financial to inform them I sent a {$1.00} money order I tried to payXXXXXXXX XXXX  by phone with my debt card they would not accept it only bank router number only on XXXX XXXX I received the envelope with money order the address cross out it state return to sender refused unable to forward also I have original money order stub also have letter that was sent back as I writing this Bsi call me twice I said hello hello no answer I guess they wanted proof they call me back at least say something.Also they charge a late fee which I don't feel that it fair I'm confused why send the {$1.00} dollar money back. why?
Product: Credit reporting or other personal consumer reports

Hello my name is XXXX XXXX I rented from XXXX XXXX at XXXX XXXX XXXX XXXX TN last year and during move in they gave me dirty apartment and said you do not have to pay for it as you have recorded it in the inspection list during move in. So after I moved out in XXXX last year everything was good until this XXXX they reported my account to collection about the cleaning charges. I asked them to send evidence of cleaning and I will pay the charges which was never sent. So I reported this to XXXX and Equifax. XXXX did the investigation and removed that from my account as it was a fraud charge. But I have been doing back and forth with Equifax since 3 months providing them all documents, police report but still without doing the investigation they are saying account belongs to you. whereas I reported about fraud charges and not about account belonging to me. So please help me with this to complaint about Equifax not doing the investigation. Also I was even assaulted in the community for which I had to call XXXX and I had asked to move-out but they said you have to stay the whole term till the end of the lease and never did leave me to move out.
Product: Prepaid card

I hold several e-gift cards and gift cards from Amex, but I can not use any of them for my online purchases, and they were also declined at local in-person stores. These cards are practically useless, and I am struggling to pay for essential groceries. I need to use these cards and want to ensure that the amounts shown on them are actually available, but I can not find any store that accepts them. 

On XX/XX/year>, I tried to make purchases using these cards, but none of them worked. Following Amexs guidance, I also attempted to add them to my XXXX XXXX, but that failed as well. This situation is confusing and extremely disappointing.
Product: Student loan

I have been called about repayment of my student loan from a different service to find out it must be a scam. The first number I programmed in the phone is no longer in service. I had gotten a text today saying my payment is due in 2 days. The number that they gave today is XXXX XXXX XXXX. The text also tells me that it is student Apex. What is the best way to stop there payments?
Product: Credit reporting, credit repair services, or other personal consumer reports

the items listed above are recorded due to fradulent and unauthorized inquiries on my report please delete all hard inquiries. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I had money transfer problems and there was no live agent or XXXX number to call
Product: Vehicle loan or lease

I went to buy a new XXXX XXXX on XXXX XXXX from XXXX of XXXX. They got approval for my credit financing for the loan from BECU XXXX XXXX. I signed the purchase agreement and brought the car home. For days later I received a letter from the dealer to return the car immediately as the financing had been denied. I was not given a reason why the financing has been denied.