23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

A fraudulent account was opened under my name and charges were made. As a result, my credit score has decreased substantially and my credit report has negative items.
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 XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

This company is contacting me as the result of a conflict between a company I owned and  XXXX   XXXX   XXXX . I have complaints about this issue with both the FTC and FCC yet this company has the audacity to try and collect on a debt that does not exist because  XXXX   XXXX   XXXX  broke their contract with me and violated the false advertisement law. If the collection company wants to stay involved with this issue after reading the statement I sent to the FCC and FTC then I have a lawyer that would love to talk to them.
Product: Checking or savings account

I was notified by my credit union of some suspicious ATM withdrawals via automated SMS. I indeed did not make these four withdrawals at an ATM in XXXX ( Im in XXXX ),  and the credit union opened the dispute and shut off my card. Within the same day, they closed the dispute and denied it. I called to ask why, and they said its because theyre assuming I lent my card to someone, because it was a chip and PIN transaction. I told them I had my card in my possession in XXXX when these withdrawals happened, yet they denied it and are not giving my the approximately {$700.00} back.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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

In accordance with the fair credit reporting act XXXX  account XXXX XXXX bal XXXX acc number XXXXXXXX XXXX  bal XXXX acc number XXXX XXXX bal XXXX acc number XXXXHas violated my rights. 15 U.S.C 1681 section 602A states I have a right to privacy. 15 U.S.C 1681 section 604A section 2.It also states consumer reporting agency can not furnish a account without my written instructions ... my ss number is XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I need clarification as to why you are reporting certain information on my credit report. The collections account that Im referring to is XXXX XXXX XXXX. I am aware section 609 requires you to have a contract bearing my signature verifying that the debt truly belongs to me. Despite my efforts to resolve these matter, it remains unresolved. I request immediate investigation and removal of these items, as it is incorrect and does not reflect my true credit history and this account isnt mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX and XXXX credit reports are having trouble correcting false information that World Finance has imputed to my credit reports. I never had 2 loans with 2 sets of identical data ( late payments from XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). The story starts off with me disputing the Late payments on ONE ACCOUNT with World Finance that resulted from World purchasing loans from XXXX XXXX XXXX XXXX. The LATE PAYENTS were resolved and erased from my XXXX report. Unfortunately XXXX and XXXX are still showing the late payments AND AS TWO DIFFERENT LOANS but with identical late payment information. As you can imagine my credit scores on these credit reports are HAVING A DOUBLE EFFECT because of this error. I've send several CERTIFIED LETTERS WORLD FINANCE but to no avail. IN SUMMARY, WORLD FINANCE somehow can't understand the showing two loans ( one that I never had is a violation of the Fair Credit Reporting Act! I've called representatives there and they can not seem to UNDERSTAND that i never had 2 loans BESIDES THE ONE THAT WAS PURCHASED FROM XXXX XXXX XXXX LAST YEAR ( World Finance Loan Number XXXX ). Therefore, i have 2 sets of late payments for the same months ... .the other loan they are reporting is under the titles of PERSONAL CREDIT PLAN or WORLD FINANCE CORPORATION-LOAN XXXX XXXX ( WHICH I NEVER EVER HAD ) but you can tell from the report that reporting data and lates ARE the same even though they are listing two different account numbers. So i'm alerting the CFPB before i reach out to my attorney and costs me money. Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX XXXX has been used to put HARD INQUIERYS on my EXPERIAN CREDIT REPORT. These companies are letting credit card companies go through the XXXX report that was put on credit reports many years ago. I have good credit report but these lies of hard inquireys.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/XXXX but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to submit a complaint against TransUnion, one of the major credit reporting agencies, for their refusal to investigate my dispute. Despite providing adequate identification, TransUnion claimed they did not believe it was me and refused to proceed with the investigation. 

On XXXX XXXX, I submitted a dispute to TransUnion regarding an error on my credit report. To verify my identity, I provided three forms of identification : 1. State ID 2. Bank statement 3. Social Security card Despite this, TransUnion responded stating they could not verify my identity and refused to investigate the dispute. I believe this is unreasonable and unjust. 

I request that the CFPB investigate this matter and take appropriate action to ensure TransUnion complies with fair credit reporting practices. 

Please find attached a copy of my dispute letter, TransUnion 's response, and the identification documents I provided. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

PLEASE REMOVE AND DELETE ALL LATE PAYMENTS FROM MY PROFILE. THEY ARE IN VIOLATION OF THE FCRA : DEPT OF EDUCATIONXXXX XXXX
Product: Student loan

I have taken out {$26000.00} worth of student loans ( subsidized and unsubsidized ) from EdFinancial ( loan provider ) as evidenced by my college website, spread throughout XXXX semesters for my XXXX XXXX XXXX. According to the receipt and my bank records, on XX/XX/XXXX, I paid off {$27000.00}, which covers all the necessary loans. The difference in amount is due to interest that I already paid. 

As of XX/XX/XXXX, I received an email from studentaid.gov saying that I missed a payment. I log in and check For some reason, Studentaid.gov says that I still owe {$20000.00}. I contacted Edfinancial on XX/XX/XXXX, over the phone to say why I still owe {$20000.00} when I paid off all my loans and interest back on XX/XX/XXXX, and the customer service representative said Edfinancial updated their system to a new one recently and dont have access to any receipts saying that I have paid them the {$27000.00}. To solve this issue, Edfinancial requests that I submit proof of the receipt and upload it to their portal : I did exactly that on XX/XX/XXXX and attached the receipt of my payment to their portal. 

As of today, XX/XX/XXXX, I received an email from Edfinancial saying I owe {$990.00}, I have no idea where this number is coming from, Then I login to their website, Edfinancial showed that I owed them {$20000.00}, Summary : I paid off all my loans already, and I have proof of that from my bank statements that I can pull up, as well as the email confirmation receipt from Edfinancial. However, as of XX/XX/XXXX edfinancial seems to still want {$20000.00} from me. 

According to the above screenshots, I ONLY took out {$26000.00} loans, all together, to fund my XXXX XXXX XXXX from Edfinancial, I paid the website {$27000.00} on XX/XX/XXXX. As of now, out of the blue 2 years later on XX/XX/XXXX ( today ), Edfinancial wants me to pay {$20000.00} in additional.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not got a response from credit bureau regarding inaccurate public records.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have been reaching out for months now because i see inaccurate information being reporting on my credit report. each credit bureau reports diffrent data which is proof that they are not 100 % accurate in their reporting. 
XXXX XXXX XXXX each bureau reports a different date of last activity XXXX XXXX XXXX You have the wrong date of last activity XXXX XXXX Please remove this late payment because its inaccurate and pulling down my XXXX XXXX! 

XXXX XXXX remove due to inaccuracy - I never paid late XXXXXXXX XXXX XXXX Each bureau has different info in the historical payment data this is inaccurate and all lates need to be removed XXXX XXXX XXXX XXXX Please remove this late payment because its inaccurate and pulling down my credit score! 

XXXX XXXX XXXX XXXX XXXX  XXXX Please remove this inaccurate account because the date last active is inaccurate. 

XXXX XXXX XXXX XXXXXXXX Wrong date of last payment
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I was recently made aware of a negative inaccurate item on my credit report by your company.This account shows as written off on my credit report and I have not received a 1099-c. Please supply me the 1099 c. This is false reporting and if not removed I will move forward to suing for statutory damages. I request that you please do the following within 30 days : 1. A copy of the original contract or agreement that forms the basis of the debt. 2. A detailed itemization of the charges, including dates, amounts, and descriptions of services or goods provided. 3. Proof of ownership and chain of assignments, including : - Assignments or transfers from the original creditor. - All subsequent assignments or transfers. - Verification of each assignment 's effectiveness date. Proof that you licensed in my state, and provide me with your license number ; 1. Verification of the accuracy of the debt amount. 2. A statement indicating whether the debt is subject to any statues of limitations or other defenses. If you fail to provide this information within the specified timeframe, we will consider the debt to be unvalidated and potentially invalid.
Product: Student loan

I was denied the option to any sort of repayment plan. I had spoke with Navient multiple times about financial hardship, and the only options I had were pay what they wanted or deference. I have also had issues with payments being processed incorrectly.
Product: Debt collection

company contacted me threating me telling me why I couldn't pay them right now as I told her over 6 times in a row my father died and do not have any money due to funeral cost she still was very rude and started telling me why would I want to hurt my credit like I was a XXXX kid I tried telling her I will try my best to make a payment as soon as I could she still nagging me well pay something right now with a debit card and we will save it for future payments I told her I was considering bankruptcy she then stated why would u do that I told her cause I cant afford to pay my bills at this time to due family issues then she got mad and I hung up she just threaten me the entire call this was in 2018 and balance is not accurate to me adding charges that are out of my means of monies
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like the credit bureau to update my report to reflect the correct balance due on my XXXX account. The balance due is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts listed aren't mine. Not sure why they are there. My name isn't even right, and there are some addresses I have never lived at. Please remove them.
Product: Checking or savings account

I applied for a XXXX account with this bank on XX/XX/year>. I received a message that they needed to review my application and would respond within 3-5 business days. So I found another bank to deposit my funds with and transferred them there. 

That same night, they withdrew {$25000.00} from my checking account without authorization. 

I reached out to the bank on XX/XX/year> and spoke to supervisor, XXXX, who told me I would need to file a chargeback with my bank in order to get my funds back. I asked XXXX for, but he was unable to provide any evidence that I gave permission for this transaction to take place - only an unsigned CD account agreement. XXXX XXXX XXXX Total Direct Bank would not return my funds without a recall request from my bank. My bank indicated that it would take upwards of 10 days for the investigation and for funds to be credited back to my account. My account is currently about $ XXXX negative, and I won't be able to pay my mortgage, and will be hit with numerous NSF fees as a direct result of Total Direct dba XXXX XXXX Bank.
Product: Credit card or prepaid card

Hello. On Saturday XX/XX/XXXX I noticed money miss for the XXXX time. I had {$9.00} on the card, then added {$75.00}. But the available balance said I had {$68.00} available. I printed all my statements from the day I opened it on XX/XX/2023. I added up all the debits and all the deposits. There was {$73.00} missing from the card. I went to the bank branch to find out what they could do but since money was missing and it wasn't a specific transaction, they told me they would have to charge {$20.00} an hour to investigate it. I noticed money missing in XXXX, XXXX, XXXX, and another time in XXXX. The bank also printed out all my statements and I added it up there for them ; proving that money was indeed missing.
Product: Checking or savings account

I opened an account with chime on XX/XX/2022 about a week after I deposited some funds into the account, the day after when I attempted to log in to the app chime stated my account was suspended due to security reasons. I called everyday for 2 weeks straight they asked me to provide 2 forms of ID as well as 2 proofs of adress I obliged after I did so I stopped receiving emails from chime even automated responses I sparsely called after that maybe once or twice a week in the following months since I'd given up hope. each and every time I called I was told that my case was being " escalated '' I was also told I'd receive an email after each call. save for the initial emails from the 2 weeks i had called I received nothing. I asked for a check or for my funds to be transferred to a separate account they agreed after 2 weeks now I still have received absolutely nothing from chime. Today I sent a complaint with the XXXX I also called XXXX and was transferred to a XXXX XXXX representative that essentially gave me the same XXXX XXXX  that I've been receiving from chime all I want is my money back and I have done my part.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am having an issues with a collection company. They are reporting on my credit for something that is not mine. Enhanced Recovery Corporation. They are reporting that I owe XXXX money which I do not. I have not have XXXX in ten years. I have ask over and over again for a validation of debt and no one can give me one. If you cant prove that is mine how can you report it? I cant verify something without proof. Again I have NOT had XXXX in ten years. If I do not get an itemization statement or this is not remove I will sue in small claims court.
Product: Debt collection

I had a outstanding debt of XXXX from Medical services from XXXX in XX/XX/XXXX. XX/XX/XXXX Illinois Collection Services entered a collection of XXXX that appeared on my XXXX Credit report. I have contacted the collection agency to pay the debt and they indicate that while my credit report debt shows XXXX collection, I actually owe an additional XXXX, totaling XXXX. The rep says to pay the XXXX will not remove the collection from my credit report. I do n't have any other medical debt with XXXX and have not been provided with any documentation to say otherwise. Since XXXX XXXX the debt has been consistent at XXXX but I am unable to resolve it because Illinois XXXX is illegally asking to pay an additional XXXX. Additionally, my XXXX credit report as of XXXX XXXX, that I have a new collection from Illinois Collection Service of XXXX which is the same debt that was put on my credit report in XXXX XXXX. The debt in showing closed but as a new debt. This is effecting my credit score and ability to secure credit at a competitive rate. I call Illinois Collection Services today, XXXX XXXX in which I was told again that I would need to pay the additional XXXX in order for the XXXX debt to be removed, I asked to speak to a supervisor. I finally hung up after 20 minutes on hold. The staff is unprofessional and are unwilling to resolve this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

3 reporting credit beauru I haven't been applying for credit cards I know I get rejected and with not so hot credit rating they think I'm made of money like Donald Trump I been fighting to get negative and inquiry removed and no luck and I'm tired of credit beauru treating me like either a little kid or criminal I even gone far to go with credit repair service and not getting anywhere fast and I refuse to get high interest loan and it's not fair they all think I'm made of money like Donald Trump is which I'm not if I had Donald Trump money wouldn't need credit but yet they give credit to illegal immigrants
Product: Credit card or prepaid card

I created a dispute ( XXXX ) with Citi credit card for our transaction with XXXX XXXX  as they gave us dirty damage and unhygienic room in XXXX XXXX XXXX We booked the hotel in 4 start but the room they gave us was very dirty and damaged, see like its a run down hotel, we tried to change it whene we were in XXXX and also follow up with on duty XXXX XXXX holiday team with all the pictures, but they also fail to help us So when we get back to USA we created a dispute with XXXXty bank credit card, but they refuse to follow up with XXXXXXXX XXXX and closed the dispute even without trying to help or follow up with them. 

They closed the dispute with comment that, i am disputing the inconvenience due to the quality of the services, but that not a true In XXXX XXXX there are Start Categories defined for every hotel in the world and when I booked the holiday package, I booked the room for a family in a 4 star hotel and paid a premium rate for it.

As per XXXX XXXX  holiday website that Hotel was a 4 Star hotel So this is not an inconvenience, but this is considered as Cheating and Fraud to customers, where they assigned Cheap, Dirty, Unhygienic and Damaged rooms when we paid the money for a family room in a 4-star hotel category
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom it May Concern, I am writing to file a complaint against Equifax credit reporting agency for violating the Fair Credit Reporting Act ( FCRA ) by reporting outdated addresses on my credit report. The following XXXX addresses, as old as 18 years ago, are still being reported on my credit report in violation of the FCRA : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Pursuant to the FCRA, credit reporting agencies ( CRAs ) must " follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates '' ( 15 U.S.C. 1681e ( b ) ). This means that CRAs must have procedures in place to verify the accuracy of the information they receive from their sources and must investigate and correct any errors that are reported to them by consumers. Additionally, the FCRA requires that CRAs must " maintain strict procedures designed to prevent the reappearance in [ a consumer 's ] file of obsolete information which is blocked '' ( 15 U.S.C. 1681c ( a ) ( 5 ) ). After seven years, the information must be removed from the consumer 's credit report.

Furthermore, 15 U.S.C. 1681i ( a ) ( 1 ) ( B ) of the FCRA specifically pertains to the responsibilities of CRAs in the event of a disputed credit report. If a consumer disputes the accuracy of the information in their credit report, the CRA must investigate the dispute within a reasonable period of time and if the investigation finds that the information is inaccurate, the CRA must promptly delete or correct the information.

I, therefore, request the Consumer Financial Protection Bureau to investigate this matter and take appropriate action against Equifax for its violations of the FCRA. I respectfully request the CFPB to require an update of my report to reflect the accurate and verifiable address and request the deletion of any information relating to any outdated addresses being reported. I further request Equifax to facilitate a copy of any changes to my report pertaining to this complaint. 

Note : I have attached copies of both my old and new driver 's licenses to facilitate this complaint. 

Sincerely, XXXX XXXX