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

I've found that my credit report has erroneous information. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

Zip fraud Transactions is use my name XXXX XXXX  and XXXX to deliver someone else and zip or cooperate us They use my name to delivery and use my card and account and refunded issues not responding
Product: Debt collection

i recently reviewed my consumer report and noticed that SUNRISE CREDIT SERVICE was reporting my personal private information to XXXX, XXXX, XXXX XXXX without permissible purpose, and also attempting to collect an alleged debt that they can not verified or validate based on ( FDCPA ) 15usc 1692 ( g ) b.
Product: Debt collection

I connect the Deb collector and asked for a demebt validation and who they are as well as how this debt concerns them, they're replied they are and affiliate of the XXXXXXXX XXXX XXXXXXXX owns if XXXX XXXX XXXX I called XXXX XXXX and they should they are not connected and then I called debt collector back and was told they don't have to seen and proof rights to collect nor validate this debt owe d.
Product: Credit reporting, credit repair services, or other personal consumer reports

A series of parking tickets were accumulated by my wife through XXXX  XXXX  University in the fall of XXXX. These tickets were eventually brought to collections. It is important to note that this debt did not originate from a contract, and according to the National Consumer Assistance Plan: XXXX , should not appear on my credit report. Starting in the spring of XXXX and through the summer this issue had be disputed to the three major credit agencies, XXXX, XXXX, and XXXX. However, all three did not apply the National Consumer Assistance Plan, and the hit to my credit was not removed.
Product: Money transfer, virtual currency, or money service

XX/XX/XXXX, I tried to transfer money via XXXX. However, I was not able to connect with my PNC account due to PNC policy change. 
I tried to transfer XXXX  XXXX to XXXX. I have done this a few times before.
Product: Credit reporting or other personal consumer reports

XXXX XXXX ran a hard report on my name which should have not been done because I got multiple accounts with them and they made my credit score dropped XXXX which shouldn't matter It was supposed to be at like XXXX  but they falsely did a hard run on my credit score and my credit score supposed to be locked or frozen that I did here on this site not too long ago less than a month ago. So how were they able to do the whenever I've put a freeze on my credit report here on this site. Make it make sense please.
Product: Credit reporting or other personal consumer reports

Dear TransUnion Consumer Solutions I am writing to request a detailed description of the investigation process followed by your agency in regards too the disputed accounts on my credit report. Pursuant too the Fair Credit Reporting Act ( FCRA ) 15 USC 1681i ( 7 ) ( 7 ) Description of the reinvestigation procedure.

Under Section 15 USC 1681i ( 7 ) credit reporting agencies are obligated to provide a description of the investigation within 15 days of receiving a consumers dispute.

I received a letter from you saying the accounts listed below were verified but I would like to know what you verified. Can you send me a detailed description of what you verified? 
Accounts XXXX XXXX XXXX ( XXXX ) Provide the description of the procedure of the investigation used to verify this account if you can not remove this account at once. 
XXXX XXXX XXXX XXXX  ( XXXX ) Provide the description of the procedure of the investigation used to verify this account if you can not remove this account at once. 
XXXX XXXX ( XXXX ) Provide the description of the procedure of the investigation used to verify this account if you can not remove this account at once. 
XXXX XXXX XXXX ( XXXX ) Provide the description of the procedure of the investigation used to verify this account if you can not remove this account at once. 
XXXX XXXX XXXX ( XXXX ) Provide the description of the procedure of the investigation used to verify this account if you can not remove this account at once. 


Public Records 1 Bankruptcy XXXX XXXX ( XXXX ) Provide the description of the procedure of the investigation used to verify this account if you can not remove this account at once. 
XXXX Bankruptcy XXXX XXXX ( XXXX ) Provide the description of the procedure of the investigation used to verify this account if you can not remove this account at once. 


Sincerely, XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

My credit card was stolen and used to make charges. I reported it immediately to the company as soon as I was aware of it. I filed a police report. HSBC continues to try to collect this and has damaged my credit. Some of these charges are in countries I have never been to. HSBC requested I fly at my own expense around the world to all these places to file police reports. They even wanted me to fly to the city in XXXX where their fraud team is in XXXX. They did nothing to investigate and closed their investigation before even providing me with a full list of the charges. I reported to the credit bureaus that these charges were fraudulent and HSBC replied that they " can't contact me ''. I reported these charges within the time required by law. I am not legally responsible for any of them.
Product: Debt collection

I noticed I had a debt to this company and I havent been given enough information to verify this debt
Product: Credit card or prepaid card

On XX/XX/XXXX, I sat through a XXXX timeshare presentation where I was informed I could utilize a Barclay credit card as a down payment towards a timeshare. I initially declined the offer because of possible high interest rates. The sale rep stated that the card would have a low interest rate due to the company working hand in hand with the credit card company, I later found out the companies are one in the same. The sales rep proceeded to run the credit of both my friend and I and returned stating " You both fall into our tier XXXX category '' which he explained was great credit tier and the interest rates would be low. A few minutes later, he returned and handed us our forms which stated otherwise, what we did n't know is that he had already charged the cards. When questioned about the interest rates being so high, 25.99 %, he stated, well you do n't have to utilize the card. The card had already been charged towards the down payment on the timeshare. I have since disputed the {$8500.00} paid to XXXX XXXX for a timeshare in which I have not been able to use due to lack of availability and they are refusing to refund me my money or handle the issue with the credit card. I would have never opted to purchase the timeshare nor credit card, if it were n't for the misleading and false advertisement, the deceptive information provided and the bait and switch tactics used by XXXX and it 's employees.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX XXXX XXXX Balance Owed : {$14000.00} XXXX XXXXXXXX Balance Owed : {$2400.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$250.00}
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>, has violated my rights. 

I looked at my Experian credit report on XXXXXXXX XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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: Student loan

My personal and financial information was compromised without my authorization. The Family Educational Rights and Privacy Act ( FERPA ) protects the confidentiality of student records. This breach is a clear violation of FERPA and your responsibility to safeguard my information. Given the severity of this breach and the resulting compromise of my personal and financial information, I request that you immediately cancel and discharge my student loans debt in full.
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 Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account XXXX : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : 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: Debt collection

I start a complaint XX/XX/XXXX, and XX/XX/XXXX. The amount which I do not recognize. I also send in my left to show me proof that this debt is mine.
Product: Credit reporting or other personal consumer reports

I reviewed my consumer off report and noticed there are inquires that I never authorized. Consumer reporting agencies have assumed a vital role and have a duty to report consumer information with MAXIMUM accuracy. I have been a victim of identity theft and would like an investigation on who gave permission to authorize the following inquires XXXX employees XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/202XXXX XXXX XXXX Please investigate and provide the proof that I gave permissible purpose aka hand writing consent to authorize these inquiries.
Product: Bank account or service

This complaint is in regards to a joint checking account with Santander Bank ; my son & I opened the account approximately 10 years ago. My son XXXX is the primary user of the account. Over the 10 years he has never bounced a check. XX/XX/2015 he made a mistake and the account became over-drafted ( he did n't realize ) a few days later he received an automated deposit in which made the account positive again. He then paid his rent and other bills with out knowing he had been charged several over draft fees. This resulted in the account again becoming over drafted. Apparently he was allowed to continue to use his ATM debit account due to the fact the account has over-draft protection. The account went several days into over draft before he realized the entire situation. Once I called the bank & spoke with the branch manager they had charged the account {$40.00} per day with a total of {$750.00}. The manager after checking with her regional supervisor agreed to refund {$100.00}. My complaint is as follows : myself nor my son where given written or verbal notice of the over draft of the account or fees being charged. 
1 ) The fees are excessive in nature! 
2 ) The overdraft protection should n't allow the consumer continue to engage in charges to the account when over-drafted after a certain amount of usage. 
3 ) The bank has misused overdraft protection allowing the bank to charge the consumer absorbent fees without notice. 
4 ) The fees charged to the account and action taken by the bank is egregious towards consumers.
Product: Mortgage

I'm having an issue within wellsfargo 's covid19 forebearance program, in XXXX I opted for 3 month suspension. After I learned more about it I called XXXX asking for information on how I would be paying back the loan forebearance. On both occasions the rep sidestepped abby concrete options on how i would be paying back the forebearance. They would not give me a concrete plan! Add my loam is a XXXX XXXX loan, they said I couldn't defer the 3 months without a loan modification, and i can't get a loan modification if I'm unemployed, and the only reason i asked for forebearance wad because there fed said i could grey one. Them they took away my online link to pay my mortgage online before the forebearance was over. There is no transparency from wells Fargo on what my option is to pay the forebearance. A lump some payment is a long shot. I read that XXXX XXXX backed loan ther servicer is supposed to offer the consumer deferment. It seems that wells Fargo is partly being vague about the terms ...
Product: Debt collection

On today XX/XX/2018 approx XXXX central standard time I received a call from a debt collector. I explained driving filing bankruptcy. I attempted to explain can't get attorneys information driving I was unable to pull over he gets angry and hangs up. The call didn't drop he was angry and badgering me for the information. I was trying to advise to call me bk on tomorrow would be happy to get the information. This debt collectors name is XXXX XXXX that called me. So after he hung up I called the Company back and spoke to XXXX XXXX with American Collections he said he was a supervisor I explained to him what had just happened and he said to me we just need your attorneys information?? I said sir you need more than that I was mistreated and you don't have a right to mistreat people. I asked for his senior manager he refused and said this is as far as this is going to? He was bullying me to as if I don't have a right to voice my concerns over this gross misrepresentation!! I advised him of filing a complaint against the company and both of them!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I received a letter from XXXX 's XXXX XXXX that due to a credit report that THEY pulled from Equifax ; a credit reporting agency that was breached by cyber criminals and did notify me that my information was stolen, that they were reducing my credit limit from {$2000.00} to {$1500.00} because Equifax reported that " proportions of balances to credit limits on bank/national revolving or other revolving accounts is too high. '' Because of XXXX 's decision, they have caused this account to show that my balance to credit limit is too high thus affecting my credit score to be reduced by ANOTHER 32 points and destroying my credibility with other creditors! I am a XXXX veteran and am on a fixed income and because of credit card companies practices to do this to XXXX veterans and keep us from building our credit worthiness, this is discrimination! XXXX 's also only uses ONE credit reporting agency and does NOT consider the reports from XXXX and XXXX in making their decision which clearly shows their bias decision!
Product: Debt collection

Person called 2 weeks ago from a place called CRS she said she would serve me at work or home on Friday, XX/XX/XXXX. When I asked what the service was for she said a debt. I asked what debt and She gave a call back number that went to a voicemail saying no one was available. I also asked for account number she did not have one. I looked it up and it was marked as a scam. Someone did call back saying I would be sued if I didnt pay today. I asked by whom they said by their client. They asked if I would pay by credit card over the phone I asked for account number so I could provide it to my bankruptcy attorney the person laughed and said oh your bankruptcy wont cover this. I asked again for business of debtor they refused and would not give amount due or account number but said I would be served at work on a Friday. I said ok. They tried to verify my email and gave me a different email than mine. No one arrived at my home or work to serve me. 

Today I received a voicemail XXXX XXXX - XXXX XXXX XXXX at XXXX XXXX   from number XXXX. Voicemail says this is XXXX XXXX with department of civil processing at XXXX XXXX XXXX calling for respondent. Our office has been retained to get a statement as part of a pre-litigation progress. Under Indiana state law you have 48 hours to respond with a formal statement XXXX Account number is XXXX either you or your attorney can respond by calling XXXX ext XXXX. Thank you. The background sounded very much like a telemarketing call center. 

If you call back it is the same voicemail and process as when the lady called threatening to serve me. They call back wanting a credit card payment over the phone. They do not identify debt and say you are being sued to avoid law suit you must pay today. When asking for account specifics for your attorney they revert back to a script demanding payment. Again they do not tell you the amount or account number.
Product: Credit card or prepaid card

Im a card holder of Macys and in XXXX several packages were received with missing items. I stayed the complainant which isnt my fault that either I had a porch pirate or XXXX was stealing my packages. Now theyve cut off my online purchases but I can go in the store however I dont even reside in a city that has a Macys.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019, I tried to lift my credit freeze from Experian, So that I may purchase a house.In trying to the log and failed. And appeared a letter stating that I would have to mail in a request. Which on XX/XX/2019 I did hear it is XX/XX/2019 and Credit freeze has still not been lifted and no results numerous attempts.
Product: Money transfer, virtual currency, or money service

Leave me quheld me quite a bit of money and we're XXXX  XXXXXXXX XXXX XXXXXXXX dodging me on paying back the money.So I reached out to consumer protection girl
Product: Credit reporting or other personal consumer reports

Submitted my drivers license, passport and SS card to Equifax over 10 times. Sent a police report and FTC report proving fraud has taken place on these accounts and they are not mine. Equifax lies and stalls to remove these accounts from my credit file.
Product: Credit reporting or other personal consumer reports

I am formally requesting this letter to update the following accounts in my credit profile which are appearing to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise you will be in violation of the Fair Credit Reporting Act XXXX XXXX XXXXXXXX Balance Owed : {$130.00} XXXX XXXX XXXXXXXX Balance Owed : {$510.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$4300.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX  Original Creditor XXXX XXXX XXXX XXXX Balance Owed : {$3000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm not using any third party for this matter and represent myself by myself. I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. My personal information was compromised, so as a result I got hard inquires on my report that I never authorized, I have not signed or applied to any of these creditors or companies who posted hard inquires on my report. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so. I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency, and that they would not file the report because I didnt have any information on the person who used my information, nor did I know how my information was obtained by this person. Inquiries that are made by someone else without my authorization is not a factual record of access to my credit file, it is a factual record of fraudulent activity, and it must be addressed as such. The reason that these inquiries are being disputed is because they were not made by me, and when I report this to you, it is your responsibility to investigate my claims, and when you can not prove that these inquiries were made by me, they must be removed from my credit file. It is not my responsibility to go directly to each creditor, the obligation lies at your feet because you are reporting inaccurate information within my credit report, and this violates the FCRA. It should be noted that an inquiry that was not made by me is not a factual record, just as a fraudulently opened account is not a factual record and not referred to the creditor to be disputed directly with them. The credit reporting agencies have attempted to address an inquiry as a factual record of file access, but if it was done through fraudulent means, it is not a factual record. As a consumer I should not be required to dispute each fraudulent inquiry directly with each company. These inquiries are the result of fraudulent activity and therefore inaccurate information in which the credit reporting agencies or the creditors can not verify, meaning that these inquiries are unverifiable information and must be deleted from out of my credit file. 
XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX these items above should be removed from my report immediately.
Product: Credit reporting or other personal consumer reports

I was stunned to see inaccurate accounts on my credit report tonight, and I have no clue how they got there. I routinely check my report, but this time, there were strange discrepancies that I didnt expect at all. I even tried refreshing my browser, hoping it was just a glitch, but the errors stayed. Im truly frustrated and am asking that the documents Ive sent are carefully reviewed to prevent this from happening again.