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

XXXX Equifax Account : XXXX XXXX XXXX XXXX Original balance : {$27000.00} Date opened : XX/XX/XXXX Account name : XXXX XXXX Balance XXXX {$6600.00} Date opened : XX/XX/XXXX Never lived at the following addresses : Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX My rights have been violated : They are furnishing and reporting inaccurate information on my credit report.

15 U.S.C 1681 Section 602 A. States I have the rights to privacy.

15 U.S.C 1681 Section 604 A. 2 : it also states a consumer reporting agency can not furnish a account without my written instructions I have contacted them several times and just recently today XXXX with no successful outcome.
Product: Credit reporting, credit repair services, or other personal consumer reports

Over 45 days ago, XXXX to be exact, I notified the credit bureaus of inaccurate items on my credit report and asked them to verify the items they claim to have verified. This process has been very stressful due to the fact they never reply in a timely manner. I feel like I am being taken advantage of and feel as if I need to take this matter to court. I need help with these problems and stress they are putting on my personal life.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, EXPERIAN XXXX XXXX add a hard inquiry on my credit report per Experian.
Product: Checking or savings account

I have filed a complaint against Fifth Third bank on XX/XX/XXXX complaint # XXXX. Fifth Third responded on XX/XX/XXXX with no explanation for freezing my bank account without doing any investigation of funds, The funds are clearly protected funds I have no other source of income. Fifth Third banks failure to research and do a 60 day look back and review my accounts has cost my family thousands of dollars. I am supporting XXXX minor children on a fixed income after my wife past away on XX/XX/XXXX. I am also on XXXX. Fifth Third neglected banking duties. Costing my family thousands of dollars in legal fees. This all could of been avoided if Fifth Third did a  investigation before freezing the account. Fifth Third Bank has not taken any responsibility to my complaint # XXXX and has not offered any resolution to miss management of my funds.
Product: Credit card or prepaid card

My Bluebird by American Express account was suspended for reasons unknown to me on Friday, XX/XX/2019. I received an email to contact XXXX XXXX XXXX. Upon contacting XXXX XXXX XXXX shortly after I received the email, I was told My account was permanently suspended and given no options to collect my remaining balance of {$490.00} and was told my account could not be recovered. I contacted XXXX XXXX XXXX again on Monday and was told to provide my mailing address so a check with the remaining balance on my card could be mailed to me since my account was permanently suspended and could not be unlocked. I provided my mailing address and was told a check would be in the mail and that I would receive it in 7-10 business days. I have not yet received any of my remaining balance so once again I contacted XXXX XXXX XXXX because I received another email that showed my remaining balance was still on the account. On XX/XX/2019, I spoke to a woman who told me that they could not send a check despite what I have been told and was told to contact Bluebird Customer Care via mail and gave me a mailing address as they do not have a phone number. I now have to wait for my letter to be received by Bluebird Customer Care and then wait an additional 10-15 business days for a response. I only wish to get my remaining balance Off of the account as I no longer want to do business with this company.
Product: Checking or savings account

I been with Hancock Whitney bank 6 years and all of suddenly they closed my bank account for no reason with cause but I was told that I can go to another bank and open a account, it was really strange I had no debt with them and they refused to give me a accurate reason for why they did so
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of all accounts listed below, as I am a victim of a data breach. Pursuant to 15 USC 1681c-2 ( a ) and the Fair Credit Reporting Act ( FCRA ) 605 ( b ), I am entitled to take these actions to protect my credit. 
The accounts and public records in question are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

I have been attempting to get a HELOC for over 3 weeks. I have reached out to Equifax on multiple times requesting that they release my information for these loans. The interest rates and equity fluctuate with the market. They are costing me money and valuable renovation time with holding up the release of my credit file. The first 2 weeks they advised there were no blocks, finally someone told me to send my DL and SSC on Friday XX/XX/2022. While this was the first time requested I immediately faxed to the provided number XXXX. I was told this would be updated immediately. Unfortunately that was not the case after following up again and spending a total of about 3 hours on the phone I was advised that it could take up to 5 days before my information is corrected. This is an abuse to me and costing me higher interest rates and delayed projects because of their systems and insufficient staff to adequately resolve customer issues!
Product: Credit reporting, credit repair services, or other personal consumer reports

The information they are displaying on my credit profile is factual inaccurate. In the Status : they state collection, government insurance claim.. but that factual true. Not to mention the last date Active. They certified all their information was correct. But this was not the case. I have enclosed a copy of my contract of Past- due debt owed but on an Agreed monthly installed monthly plan. Not what is and has been place on my credit profile over the last several years that I have been disputing.
Product: Checking or savings account

Rolled over a CD on XX/XX/year>, changed mind and closed it on XX/XX/XXXX. The fund received was the beginning balance on XX/XX/XXXX, no interest at all.
Product: Debt collection

'I get voice message from them and I respond to them they said its we debate collect and we need to to talk to here I tell here she cant speak English or read English I try to help here but she is has beginner of XXXX XXXX and she has XXXX XXXX and XXXX XXXX and XXXX and she is not able to walk and she insists to give my mother hard time and make discrimination against us because we come speaking XXXX I think it kind of harassment against an old womanly mom is very low income she only live on XXXX $ and XXXX $ food stamp is these enough to live now and pay bills or she threatened no to stop eating and kill here self because of the American law I hope someone in that country take care of week people Who is responsible for my mom life threatening
Product: Debt collection

COMPANY DEBT CREDIT SYSTEMS RESPOND WITH FAKE APARTMENT LEASE AND PRIVATE CONSUMER INFORMATION DEBT CREDIT SYSTEMS LLC PURCHASED A LEASED ONLINE AND APPLIED ALL CONSUMER INFORMATION AND ADDED OUTSTANDING BALANCE. ALL FALSE INFORMATION REPORTED BACK TO CFPB UNDER THEIR WATCH.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2023. XXXX XXXX reported late payment on my credit report and after thorough investigation, the company found out they made an error reporting late payment to 3 credit bureaus. This account was never late.
Product: Vehicle loan or lease

Ally has not been properly managing my payment for a car I received a loan from Ally and Ally is sending me bill statements saying I am 3 months behind. I have all my bank and money orders from day one showing I am currently updated on all payments. Ally also cancel the Extended warranty I purchased for the car and got the money back and did not notify Me they got {$3800.00}. Back for the warranty I call about getting the car repaired and Ally claim I call 3 weeks after getting the car. And cancel the extended warranty. I told her that You are a liar she claim she had a record of my call I ask to hear it She said ok left the phone on hold and came back 3 mins later saying she couldn't find it. She said the money went back to the lien holder which is Ally and they did not notify me that they received that money and did not deduct it from the payment of the car. Now the dealership said that they can not fix the car. If NO MORE THAN XXXX XXXX XXXX DEALERS ARE SUPPOSED TO FIX IT. THE MANUFACTURER 'S WARRANTY IS SUPPOSED TO BE ON THE CAR UNTIL THE CAR IS PAID OFF. OR IT FALLS UNDER THE LEMON LAW. WHICH MEANS I AM SUPPOSED TO GET ALL MY PAYMENTS BACK FROM THE LIEN HOLDER.also I am looking for a lawyer on the fraud committed.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXX INQUIRIES XXXX FCU - XX/XX/XXXX, XXXX - XX/XX/XXXX, XXXX XXXX - XX/XX/XXXX, XXXX XXXX - XX/XX/XXXX, XXXX FCU - XX/XX/XXXX, XXXX XXXX - XX/XX/XXXX, XXXX FCU - XX/XX/XXXX, XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX CARD - XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account Number XXXX XXXX XXXX XXXX, Account Number XXXX XXXX Department of Education, 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: Debt collection

I filed several disputes online via XXXX  with TransWorld about medical collections that have been negatively affecting my credit reports. I filed the disputes and both times they were acknowledged as affected by natural disaster. I then received notice via XXXX  that some disputes and also the collection being reported were dropped. Some of the smaller charges. But via the mail I receive two validation letters for two/three collections. These letters include medical records of the procedures I had gotten whilst at the hospitals. For this reason I fully believe my HIPAA rights were violated and demand the collections be removed from my credit reports in all credit bureaus and the amount due to any and all collections be {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX a supv. with the Special Handling Fraud Dept. with Transunion Credit Reporting told me that not one of the 3 certified sent complaints or any of the cfpb  complaints they have not received or seen I'm now demanding they Remove All FRAUD ALERTS from the credit file of the XXXX XXXX XXXX file and also Dispute these Inquiries as Fraudulent and VALIDATE them as anyone could have submitted these credit apps. In my giving name XXXX XX/XX/16, XXXX XXXX, XXXX XXXX-2/5/16 Also remove any personal statements on this file and all FRAUD alerts as Transunion was not able to generate any qiestions for me to VALIDATE sho I Was so he said to write a letter I have done that and still nothing has been done they were sent 3 certified mailings still nothing has been done add XXXX XXXX XXXX XXXX Loma XXXX California XXXX to my file as another address
Product: Credit card or prepaid card

On XX/XX/2018 I was making a reasonably large purchase in the amount of {$3700.00}. I had {$4100.00} in my account. I called Netspend customer service to ensure the transaction would proceed without issue. I was reassured that there would be no problem. I informed them the location, amount and company name the purchase would be from. approximately 3 minutes later, the card was swiped and declined. Netspend held {$4100.00} on the {$3700.00} charge. I called customer support and they informed me that Netspend holds 15 % on all rental charges. This is something that is not in the terms and conditions. customer support informed me also that to receive my money back, i would have to provide them with a confirmation receipt that the transaction was declined. upon providing them with the only documents i was able to get, they informed me that it was insufficient and that there was nothing more they could do. The merchant had sent them an email with the declined receipt attached. 2 representatives would not transfer me to a supervisor, and all of the reps would not allow me to be transferred to a united states call center. XX/XX/XXXX, i received a call from their corporate headquarters to verify the transaction had been cancelled. The funds were immediately released to my account with no further question. I spoke to XXXX XXXX, Corporate customer experience representative. I asked him where this information was in the terms and conditions, he informed me that it was in " pending transactions ''. after searching through the document, i was unable to find anywhere that addressed rental transactions. I asked him to locate it for me, after which he quickly ended the call stating he didn't have the time. I am very upset with the customer service of this company. There is a huge communication barrier in the fact that many of the representatives do not understand the english language well. To top off the matter, they will not transfer their customers to an american center where the communication will not be a barrier. If customer service is an important matter, this company is not one to give business to.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is not a duplicate of a complaint already received because it is a complaint yet to be answered. I am complaining because I have yet to receive what I have been requesting from Experian and XXXX XXXX XXXX XXXX ( XXXX  ). I am contesting the XXXX XXXX XXXX XXXX trade line on my credit report. A car was wrongfully purchased in my name and was fraudulent. I can prove this but need two items ; 1 ) a copy of the permissible permission and application used to process the loan and 2 ) a dated copy of the credit report issued to XXXX. I will then be able to prove the loan was fraudulent. I am continually sent the attached application but it is the wrong application and irrelevant because the application is undated, incomplete, and even states incomplete applications will not be processed. Therefore, I need the completed and dated application that was processed for the loan on my report and a dated copy of my credit report to prove the loan was fraudulent. I have yet to receive either.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX Request for Accuracy and Reinvestigation of Charged-Off Account Under the Fair Credit Reporting Act ( FCRA ) Dear XXXX Card, I am writing to formally request a reinvestigation of the charged-off account associated with my name and/or account number XXXX in accordance with the Fair Credit Reporting Act ( FCRA ). I believe there may be inaccuracies in the reporting of this account to the credit bureaus and wish to ensure that all information being furnished is accurate, complete, and up to date. The FCRA requires that furnishers of credit information maintain strict standards of accuracy, and I would like to verify that the information reported by XXXX XXXX complies with those standards. To assist in your investigation, I am requesting the following : 1. A detailed review of the information associated with the charged-off account.

2. Verification of the accuracy of all reported details, including dates, amounts, and any relevant history.

3. Correction of any inaccurate or unverifiable information.

4. Written confirmation of the outcome of your reinvestigation, including any changes made to the account information. 
Please complete this investigation within the time frame prescribed by law and notify me of the results in writing. If additional information is needed, please do not hesitate to contact me. Thank you for your prompt attention to this matter. I look forward to receiving confirmation of your reinvestigation and any corrective actions taken. Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I asked for legitimate documents to prove the appearance of these items in the credit report. 

XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

Upon reviewing my Consumer Reports, I noticed that there are XXXX or more inaccurate late payments recorded for accounts on which I have never been late. Consumer Reporting Agencies play a crucial role and have a responsibility to report consumer information with maximum accuracy. I have always made timely payments for the accounts. [ XXXX ] : [ XXXX ] Please investigate this matter and provide statements proving these payments were late. If proof can not be provided, I request that these payments be updated to reflect their accurate, on-time status as I was never late. 

Thank you,
Product: Debt collection

A collection account was posted to my credit report by Credence Resource Management a few months ago. I disputed the account as I had no knowledge of it and it was removed after 30 days, and then has resurfaced again on XX/XX/XXXX. I have been receiving credit alerts from the credit bureaus indicating my information has been spotted on the dark web. Name, social, email etc. I have attributed this account with these activities. 

I have never had a business relationship with XXXX as this is the company the collection agency is trying to collect for. I have re-disputed this collection activity with XXXX Credit Bureau. They advised I get a police Report and file a report with the FTC which refer me to this website. 

CREDENCE RESOURCE MANA has flagged your account as Collections on XX/XX/2023. 

Source : XXXX XXXX : CREDENCE RESOURCE MANA Address : XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX Activity : XXXX XXXX XXXX ( Collections ) Balance Date : XX/XX/2023 Balance : {$2000.00}
Product: Debt collection

On XX/XX/XXXX, I received a letter from the debt collection company named " Transworld Systems , Inc. '' ( XXXX XXXX XXXX, XXXX, PA XXXX ), claiming that I owed to XXXX XXXX of XXXX {$440.00}. 

On XX/XX/XXXX, I wrote a letter to Transworld Systems with a copy to the XXXX XXXX XXXX stating that I already had paid the alleged debt. I enclosed with my response information of the electronic payment that I did ( confirmation number ) and notified that the equipment was pickup by a XXXX employed on XXXX XXXX, XXXX. ( Please, see Exhibit XXXX ). 

A few days later, on XXXX XXXX, Transworld sent to me a XXXX letter alleging that the same debt mentioned before was unpaid. I responded again that I already had paid the debt and that the equipment was returned, so, no balance was pending. I also asked for a cease and desist of sending to me their collections letters. ( Please, see Exhibit XXXX ). 

However, on XX/XX/XXXX, I received a XXXX collection letter ( dated XX/XX/XXXX ) alleging that the same debt was still unpaid without any consideration to the letters and supporting documents that I previously submitted demonstrating that I paid the alleged debt in full since XX/XX/XXXX. 

These insistent and continuously submissions of letters asking for a non-existence debt are obviously an illegal harassment against me. So, herein I am asking from the " Consumer Financial Protection Bureau '' their protection of these XXXX companies ' illegal harassments ( XXXX XXXX and Transworld Systems , Inc ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a personal loan with XXXX XXXX XXXX, in XXXX, Georgia in XX/XX/2020 and they have failed to report complete and accurate information concerning my loan to all THREE major credit bureaus such as Equifax, XXXX  and XXXX. The loan is for {$2500.00} and the current balance is {$1600.00}.
Product: Credit reporting or other personal consumer reports

I noticed that your company is continuously reporting inaccurate and incomplete accounts on my credit report. I never failed to inform you numerous times via mail about this issue however, I have never received any actions on your end. Please delete these inaccurate accounts on my credit report immediately. 
XXXX. XXXX Account # : XXXX XXXX. XXXX OF XXXX Account # : XXXX XXXX. XXXX XXXX XXXX Account # : XXXX XXXX. XXXX XXXX  Account # : XXXX
Product: Credit reporting or other personal consumer reports

RE : TRAFFICKING BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of trafficking. The information listed below, that is currently listed on my credit report is a result of that trafficking.Listed below are the Personal Information that are being challenged Incorrect Name : - XXXX XXXX XXXX Incorrect Name : - XXXX XXXX XXXX Incorrect CurrentAddress : - XXXX XXXX XXXX XXXX XXXX  XXXX Incorrect XXXX : - XXXX Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR  BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF TRAFFICKING IN PERSONS. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : XXXX XXXX XXXX XXXX  [ DOCKET NO. XXXX ] RIN XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF HUMAN TRAFFICKING ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TO THIS MATTER!!
Product: Credit reporting or other personal consumer reports

I instructed TRANSUNION to investigate XXXX an XXXX XXXX because the accounts are FRAUDULENT. These accounts were established using identification without my permission