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

On XX/XX/2022 I mailed a Dispute Letter to all three of the Credit Bureaus, to include Equifax. I mailed all of these by USPS Certified Mail and tracked all of them to their delivery dates. When I realized that it had been nearly 2 months without hearing anything from Equifax I call them on or about XX/XX/2022. 

In that phone call I made notes in order to reasonably follow through with receiving Investigation Results from Equifax. I first spoke with XXXX, XXXX ID # XXXX, who told me there was no dispute on file? I asked for her Supervisor and was put on a lengthy hold. When the call was picked up the Supervisors nave was XXXX, XXXX. ID # XXXX. Who proceeded to tell me that Equifax had never received my Dispute Letter. I replied saying that I had the USPS Certified Receipts to demonstrate that Equifax had in fact received my dispute on XXXX XXXX, 2022. XXXX simply denied that it had ever been received and, rather cavalierly, told me there was nothing left to talk about. They didnt have it and that was it, stating that there was nothing left for me to do other than file yet another Dispute? 

I informed both XXXX and XXXX of the fact that I have since received Investigation Results from both XXXX & XXXX. Where the disputes sent to them were sent on the same day I mailed my dispute to Equifax. In each case both XXXX and XXXX simply disregarded this information without reply as if it weren't even relevant to them. 

Here you will find four attached pages demonstrating 1. The letter I sent to Equifax, dated XXXX/XXXX/2022. 2. A copy of both the Purchase, for all three of the Credit Bureaus, and the Tracking Receipt for Equifax. 3. Two pages printed from the USPS Tracking site following the Dispute Letter to Delivery on XX/XX/XXXX. 

XXXX XXXX XXXX  Class Action Alleges Equifax Routinely Fails to Reinvestigate Disputed Consumer Report Information Rivera v. Equifax Information Services , Llc According to a class action, Equifax routinely ignores its reinvestigation obligation under the FCRA when a consumer disputes inquiry information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have noticed many inaccuracies on my credit report. On XX/XX/2022 I check my credit and found the account with XXXX financial # XXXX to be reporting incorrectly on my credit. 

I am not disputing the validity of the account however I am reporting inaccuracies on all three credit bureaus. The disputes were sent out on XX/XX/2022 stating the inaccuracies on my credit report. 

On XX/XX/2022 I received a response from Transunion stating the investigation was completed and the account was updated. 

Upon reviewing my credit on XX/XX/2022 I notice that Transunion never investigated my disputes. DATE OF LAST ACTIVITY, HIGH CREDIT and COMMENTS are still reporting inaccurate and inconsistent. 

I did not receive any response from XXXX or XXXX. 

I have attached my initial disputes, the credit reports with all the inaccuracies, the investigation completed by Transunion and an up-to-date credit report showing the inconsistent and inaccurate information. 

Please remove this account from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi Transunion has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my XXXX has me at a XXXX XXXX ove r XXXX transunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my XXXX 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 n 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 us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n 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 n now im XXXX n cant provide to my XXXX year old daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.
Product: Debt collection

I recently reviewed my credit report and I was shocked to learn that I have been a victim of identity theft. I found XXXX accounts that are not mine. I did not open these accounts. These are XXXX phone company accounts. XXXX which already went into collection. Please remove these accounts for me ASAP. Thank you so much for your help.
Product: Credit reporting or other personal consumer reports

On XXXX XXXX I applied for a pre-approved auto loan through USAA. The process was entirely online, and was approved fairly quickly. The interest rate appeared to be higher than I expected. When I received a written notification from USAA, I noticed the credit score was about 50 points low, resulting, I believe, in the higher interest rate. My score on XX/XX/XXXX across the 3 major credit bureaus ranged from 775-785. The score provided by XXXX to USAA was XXXX. I have talked to both XXXX and USAA three separate times. I will only address the last call with each, but I would like to note that XXXX makes it almost impossible to get a live agent on the phone. On the final call to USAA, I spoke to a resolution specialist named XXXX. He stated that what was provided on their letter was the exact score provided by XXXX. When I spoke last to XXXX, their supervisor, XXXX, claimed that XXXX did not provide a credit score at all, only the credit history data that USAA then used to generate its own score. I do not find this explanation credible. Obviously one of these two companies has made an error and refuses to admit it. In the meantime, I have a loan I can't use due to the excessive credit terms and a hard inquiry on my credit report for the next two years. Please investigate.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I have sent many prior requests to your company to reinvestigate several inquiries that I believe to be incorrect on my credit report. Aren't you required to complete these investigations within 30 days of receipt? I have heard of companies pulling people 's credit without permissible purpose and I have yet to see verification of those purposes provided by your company. I will once again list the inquiries in need of investigation : XXXX - XX/XX/year> - This item does not belong to me. I request that you remove this inaccuracy from my credit report. 

XXXX - XX/XX/year> - This item does not belong to me. I request that you remove this inaccuracy from my credit report. 

XXXX - XX/XX/year> - This item does not belong to me. I request that you remove this inaccuracy from my credit report. 

XXXX - XX/XX/year> - This item does not belong to me. I request that you remove this inaccuracy from my credit report. 

XXXX - XX/XX/year> - This item does not belong to me. I request that you remove this inaccuracy from my credit report.
Product: Credit reporting

I am enclosing a letter I received today on an Experian letterhead I believe to be a fraud. I tried to contact the Experian credit reporting bureau through the first XXXX # mention in the letter which is legitimate, but could not talk to a live person. I became suspicious and did not contact the second XXXX # in the letter. I have a security freeze, a precautionary measure, an all of my credit reporting agency accounts and even I can not access them without my pin # 's. I believe this to be a fraud. How do I contact an Experian live person to check on this, or get assurances that no one has been able to access/change my account?
Product: Credit reporting or other personal consumer reports

I reached out to the credit regarding updating information on my credit report But I was never late with XXXX XXXX XXXX When it clearly shows on my bill I made a payment on XX/XX/year> but Its reports I never made a payment in XXXX which is a lie I also sent them proof of the inaccurate information and they have not updated my credit report or provided me any information on how they verify the information Which is bond laid my rights according to 15 U.S. Code 1681
Product: Debt collection

Original complaint # XXXX-XXXX. I have recently discovered so much new information, that I am making a new complaint. 
On XXXX XX/XX/XXXX, I received a notice from my employer that the were garnishing my wages for a debt judged in State of Michigan XXXX judicial District Court, Judge XXXX XXXX. The Attorney is XXXX XXXX of Weinberg, Weinberg and Reis. The case # is XXXX. There was a default judgement to garnish my wages for the amount of {$3600.00}. 
I found out today, from the Court Clerk, that they claim that I was served, by alternate measures. The clerk told me the I was served by 1st class mail on XXXX XX/XX/XXXX, and that it posted XXXX XX/XX/XXXX. The address was XXXX XXXX XXXX, XXXX, XXXX. This is an address that I briefly stayed at over 15 years ago, with a girlfriend. It was her address. I don't know that this would be considered a residence, even when I did stay there. I have not even been to this address in over 15 years. In XXXX I moved to XXXX, XXXX. In XXXX I moved to XXXX, XXXX. I can easily prove that I was working at XXXX  XXXX XXXX through the dates involved in service, with no vacation. XXXX, XXXX  is XXXX miles away. 
The court case was for a XXXX XXXX that I did not have. I have never had a XXXX XXXX. I think this may be identity theft by my estranged wife. I have no details yet ; but, I believe the address where the card was opened, was XXXX, XXXX. Why would I live in XXXX ; then move back to a location that I briefly lived in 15 years ago. 
The Attorney tricked the court to get a default judgement on a case they couldn't win. They had used this address, and this type of service to evade liabilities under 15 USC subchapter V 1692i. I am sure nobody went to that address to attempt service. Had they done this, the residents would not know me. I also believe that they used this address to get the judgement in a limited jurisdiction court, that was friendly with them. The distance would make it nearly impossible for me to address the court or defend my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the FAIR CREDIT REPORTING ACT XXXX XXXX HAS VIOLATED MY RIGHTS.

15 USC 1681 SECTION 602 A STATE I HAVE THE ROGHT TO PRIVACY.

15USC 1681 SECTION 604 A SECTION 2 IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT WRIITEN INSTRUCTION.

15V USC 1666B A CREDITOR MAY NOT TREAT PAYMENT ON A CREDIT CARD ACCOUNT UNDER AN OPEN END CONSUMER CREDIT PLAN AS LATE FOR ANY PURPOSE
Product: Credit reporting, credit repair services, or other personal consumer reports

I called the major credit bureaus Equifax, XXXX, and XXXX yesterday. XXXX helped a little but not fully. I was hung up on by Equifax and XXXX while requesting correction on my credit report. I have mailed 2 certified letters on XX/XX/XXXX and XX/XX/XXXX requesting the same corrections. I feel like the credit bureaus are playing with consumers and flat out laugh about how many times they can violate us and the law. I know that I must give the bureaus my written permission to even provide any information on my credit report and it must be signed by me. That is listed directly under 15 USC 1681 ( a ) ( 2 ) ( b ) Furnishing A Consumer Report Without The Consent Of The Consumer. I do not and have not given them my consent and require the removal of all incorrect and false information I advise in this complaint.
Product: Money transfer, virtual currency, or money service

PayPal gives little indication it collects a foreign exchange fee of almost three percent for a purchase in foreign currency -- the purchase page defaults to a converted amount in USD, with only a subscript conversion rate and an ambiguous link to " View conversion options. '' Only elsewhere on PayPal 's website does PayPal indicate it makes money from currency exchange ( marketed as " competitive with rates used by banks '' ), which led me to call my bank after a purchase on XX/XX/2019 for XXXX GBP and learn PayPal took XXXX USD as an exchange fee. A quick search shows numerous other complaints on PayPal community forums and news articles about PayPal 's ambiguously disclosed foreign exchange fee.
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 XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX  Account Number : XXXX Account Name : 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 or other personal consumer reports

I have several hard inquiries that I do not recognize as I did not apply for credit and did not receive any credit or benefit from the unauthorized hard inquiries.
Product: Debt collection

I had filed a dispute in XX/XX/year> and my paycheck was still garnished although there was a dispute that was in progress through Midland Credit management. I had the item removed from my credit, and they still garnished me. I have made attempts to resolve this with Midland XXXX management with no success
Product: Payday loan, title loan, personal loan, or advance loan

On signing a contract on XX/XX/2023 ( Loan Max Title Loan in XXXX, NM ) for a loan using my automobile as collateral I was not told in explanation that {$100.00} per month extra would be added to cost to insure the vehicle, this above and beyond the interest charge. At no point did the agent ask for any proof of vehicle insurance of any kind, nor was the extra charge for further insurance stressed verbally. The clause covering this was not pointed out on signing. Not only is this an unexpected extra charge but it is also outrageously overpriced. Signing was performed on a computer screen, not on a drawn- up paper contract, and the process was somewhat hurried due to the number of pages to be signed/initialed. It was done 'sign here/initial here '. I've no problem with paying the interest charge, that was expected. I do, however, feel 'blind-sided ' by the extra monthly {$100.00} charge for insurance on the vehicle. If I had been aware of the extra cost I would NOT have taken out the loan.
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$1100.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$760.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$440.00} XXXX XXXX XXXXXXXX Balance Owed : {$620.00} ; XXXX XXXXXXXX Balance Owed : {$740.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$1400.00} ; XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$3200.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$180.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$210.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$58.00} ; XXXX XXXX XXXX XXXX Owed : {$43.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$730.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed XXXX {$3300.00} ; XXXX XXXX  Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft on XXXX XXXXI am going to provide you with local police report and ftc report.Some one stole my identity and they open up some credit card accounts.They are damaging my credit.Please help to remove these negative accounts from my credit report. 
XXXX XXXX XXXX opened on XX/XX/year> XXXXXXXX XXXX XXXX opened on XX/XX/year> These accounts not belong to me.

I need to buy my house very badly and i can not get a mortgage because of these negative itmes. 
Here is my local police report # XXXX Thank You.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please delete all allegations which are not demonstrated in clarity to be true, correct, complete, timely, mine, my responsibility, or else wise fully compliant.. I disputed the accounts but Equifax failed to send me evidence of the accounts in question XXXX/XXXX XXXX XXXX, XXXX/XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX, CA XXXX CU XXXX
Product: Payday loan, title loan, or personal loan

On XXXX/XXXX/XXXX, I was on the XXXX website looking to pre-order a new XXXX XXXX XXXX smartphone and I wanted to do the installment plan to pay for the phone. I submitted an application for credit on the XXXX website but the website gave me an error page. I refreshed the webpage which brought me back to the application for credit webpage which I resubmitted again. This time the it submitted properly but I was declined and it stated that a explanation was being sent in the mail. I called both XXXX and TD Bank and I ended up bounced around since nobody could answer any of my questions. Finally, I was told by a TD Bank Rep that I did have an account and provided me with my account number. 

I further asked how I can go about using this new credit line to purchase my phone and TD Bank told me to contact XXXX XXXX. XXXX XXXX told me it was an issue with TD Bank. I have called numerous times since then without any positive result or any further guidance on how to proceed. 

I ended up purchasing the phone at full price and no longer need the credit line. When I contacted TD Bank to let them know this, they said if I wanted to close my account then they would do that but it would show that I requested the close of the account on my credit report. I explained to them that I am closing it because there is no way for me to use this credit line since it is only valid for XXXX products on the XXXX website which neither I, TD Bank nor XXXX could figure out how to apply the credit line to my XXXX account.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response to the written requests I sent. However, any modes of reply or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as misleading information which now, given all my attempts to address it directly with the creditor, as wilful negligence and non-compliance with federal statutes. Below is the inaccurate account reporting on my credit report : BARCLAYS BANK DELAWARE - XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Transunion are reporting incorrectly that I am 60 days past due on the XXXX XXXX - partial account number XXXX. ( Please see page 2 of the attached credit report ). This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Product: Credit reporting or other personal consumer reports

The company reported information without prior authorization. The company also reported incorrect information about the account. The company claims the account was charged off and shows a balance and also states that I had late payments on two accounts. According to Consumer Law all information must be completely accurate. This company has caused me to be financially and emotionally stressed.
Product: Money transfer, virtual currency, or money service

buy a reservation through XXXX through paypal. The reservation consisted of one night in a hotel with all-inclusive service. non-refundable in case of cancellation. When I arrived at the hotel, the electricity service was going to be suspended, due to problems according to the hotel 's management due to external problems. I ask that my money be refunded because I do not buy a service to be without access or elevator, tv, air conditioning etc. both the hotel management and XXXX refused to refund me. I had to go to another facility paying more. Then I make the claim with paypal credit showing the proofs to return my money to me because although it was not refundable, the installation was not providing the service that I had bought and covered by consumer protection. result none of the 3 gave me my money back. Is there consumer protection or not?
Product: Checking or savings account

An " instant transfer to bank '' from XXXX to my checking account at PNC ending in XXXX for {$980.00} on XX/XX/XXXX  never arrived. I have attempted to resolve this with consumer banking support at PNC, the wire department at PNC and also the treasury management at PNC. 

XXXX asserts that the funds were transferred via the " bank-to-bank Real-Time Payment '' rather than an ACH or direct deposit. No one at PNC is able to assist me and no one seems to know what an RTP payment is even though there is an entire webpage on PNC 's site dedicated to RTPs. 

Again, XXXX has asserted that the funds have transferred. I do hesitate to escalate this situation ; however, PNC Bank is unhelpful and also unaware of their own services. The transaction ID provided by XXXX is : XXXX. 

I appreciate any assistance in locating these funds of mine and to ensure that they are promptly deposited in my account. 

Moreover, these missing funds that were not properly credited by PNC have unfortunately caused my checking to overdraft last month.