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

There is a joint account student loan that is reporting inaccurately, I have tried many, many times to contact the creditor and the credit bureaus to correct this issue. There are several inaccuracies across all three credit bureaus, how can three different bureaus report differently. These are two accounts with the same account number.? 
XXXX/XXXX XXXX XXXX/XXXX   XXXX Both of these accounts are reporting differently across all three credit bureaus and has been for years, I have tried to no avil to have the information report correctly.
Product: Credit card

Commenity Bank issued 2 credit cards in my name without my knowledge or consent to open these credit cards. They are for an express credit card opened on XX/XX/ and Victorias Secret credit card opened on XX/XX/. This is illegal and unethical and it is not the first time they have done this to me.
Product: Debt collection

On XXXX/XXXX/2016 I contacted XXXX XXXX XXXX to pay a debt a settled amount of debt owed. All there communications to me was either a California address or XXXX Colorado. I was hesitate to give my banking account number and routing number so I told the gentleman I would pay it with credit card. Once payment was approved a foreign transaction fee of {$150.00} was attached. I feel that the company should have told me the charge was coming out of XXXX XXXX but that information was not revealed to me at the time. I am aware that the credit card company charges this fee but had XXXX XXXX informed me correctly I would have used other options to pay them.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : # XXXX,XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, XXXX XXXX XXXX, XXXX XXXX XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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. 
XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I called the three reporting agencies about some fraudulent inquiries I found on my credit report. Each bureau told me to file a ftc report and I did just that along with my dispute letter, id, copy of my social security card, and copy of a utility bill. Its been well over 50 days and nothing has happened, the fraudulent inquiries are still there.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or around XXXX I reach out to a company name Affirmn I expliened to this loan Company that services was never rebdered by the merchant infact later this year a police Report was filied case # XXXX was filed I also sumbmittied this evidene to Affrimn In former complaint with the XXXX XXXX XXXX complaint # XXXX yet this XXXX still reporting negative in dilquent to all credit agencies which is a volation Of 15 U.S.C. 1681 Section 602A states I have a 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 with out my written instructions.
Product: Checking or savings account

Subject : Request for Resolution of Online Account Opening Restrictions Due to Previous Identity Theft Dear Bank of America Support Team, I hope this message finds you well. I recently attempted to open an account online but encountered a restriction that prevents me from completing the process. While I understand that visiting a branch is an option, it is not currently convenient for me due to personal matters and business commitments. Traveling to a physical location would be difficult at this time. 

I would like to request your assistance in resolving this issue remotely and securely. There is a history of identity theft dating back to XXXX that might be contributing to these restrictions. I ask that your team follows all proper procedures and protocols to remove any freezes, restrictions, or discrepancies related to my identity from your systems. Please take the necessary steps to ensure that my credentials are verified and that I am able to open an account online without the need for a branch visit. 

As a loyal consumer, I believe I should have the ability to manage my banking needs efficiently, including opening accounts online. I appreciate your prompt attention to this matter and look forward to your assistance in facilitating this process smoothly. 

Thank you for your time and support. Please let me know if any further information or documentation is required from my side. 

Sincerely, XXXX XXXX Phone : XXXX Email : XXXX Address : XXXX XXXX XXXX XXXX, XXXX, IN XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote a letter to the consumer reporting agency on XX/XX/2020 disputing an account that is reporting on my credit file. The consumer reporting agency stated that they investigated and the company XXXX XXXX account # XXXX verified the information as accurate. I received a letter from XXXX XXXX on XX/XX/2020 which they clearly states they are unable to locate a record of the account I requested debt validation. This company has did not do its due diligence in investigating.
Product: Credit reporting or other personal consumer reports

I took notice to inaccurate information on this account from XXXX, XXXX XXXX. 


The first inaccuracy is that the account numbers are reporting differently on Transunion, XXXX and XXXX. This is already grounds for removal pursuant to the fair credit reporting act. The FCRA says that everything must be maintained with 100 % accuracy however, both Transunion and XXXX are reporting the account number [ XXXX ] while XXXX is reporting this account number [ XXXX ]. This is only one account and it can not have to completely different account numbers. You now clearly have reason to believe that the information reported is inaccurate. I also included a screen for further evidence. 

The additional inaccuracy is that I was " late '' when I never was. This is tarnishing my reputation. This is violation of multiple federal laws set forth by Congress in regards to the above accounts. 15 U.S. Code 1681a ( 2 ) ( a ) ( i ) states that the consumer report does not include information solely as to transactions or experiences ( payment history, late payment status ), between the consumer ( myself ) and the person ( CREDITOR ) making the report.

Pursuant to 15 USC 1681b This is my consumer instruction ; remove all late payments from each account and update the reporting to reflect current/paid as agreed never late. 

I request that you mail me a copy of the complete consumer file that you maintain concerning me and this account after you act on this dispute. Note, the term file means all of the information on [ me ] and retained by [ you ] regardless of how the information is stored. 15 U.S.C. 1681a ( g ). Therefore, it is unlawful to send me a partial disclosure and not the entire file.

If you verify or deem the item of information that I disputed above as accurate and complete, then I request a description of the procedure used to determine the accuracy or completeness of the information including the accounting records, the business name and address of any furnisher contacted in connection with such information and the telephone number of such furnisher, pursuant to the provisions of 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), in no later than fifteen ( 15 ) days after making such determination. See 15 U.S.C. 1681i ( a ) ( 7 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act : XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX Account XXXX XXXX -XXXX  XXXX XXXX Account # XXXX -XXXX XXXX Account # XXXX XXXX  Account # XXXX -XXXX XXXX Account # XXXX, has violated my rights. 
15 U.S.C. 1681 section 602 A. States that I have the right to privacy.

15 U.S.C. 1681 Section 604 A section 2 also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Money transfer, virtual currency, or money service

I am from XXXX and still rather new to the Crypto world and wish to invest more especially in XXXX, therefore started with a small amount to invest at Kraken back in XXXX XXXX XXXX XXXX XXXX  this year I figured that I already ran into a scam XXXX XXXX  ) and since then working with a team of crypro forensics and attorneys to solve this. Because I have transferred USDT from my Kraken account, I was concerned that the people from the scam platform my get access to my Kraken account, hence I asked the Kraken Customerservice yesterday, XX/XX/XXXX, to support me changing my password and upload a passport photo ID to replace my previous ID card, since the scam platform got that photo ID too. However, till then everything was normal with my actual Kraken account and I could always access my assets ( totally around USD XXXX - most of them still as EURO cash )XXXX 
After I informed the Kraken customer service, they 'temporarily locked " my account and told me they investigate this in a timely manner. After nothing happened in hours, I started to reach out to their customer service by email as I couldnt log on anymore, so I couldnt speak to a real customer representative by real time chat anymore ). Once in a while each time another name appeared in the E.Mail from Kraken, telling me that there will be a relevant team working on the issue. Nothing happened, same today, until a person called XXXX emailed me that my account has been disabled! I am in a state of shock as I dont know what happened to my family savings, as mentioned the USD XXXX / EUR XXXX. My wife is terrified and I promised her I do all to get our money back. I told Kraken customer service they shall please wire the assets back to my XXXX account, where all assets originated from. I also offered live call to proof my ID and verify I am the legitimate account owner. They didnt respond to that at all. I am in fear they just swallowed our family assets for no reason!
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm a XXXX XXXX XXXX XXXX Veteran, I had a home financed with XXXX XXXX XXXX Account number XXXX for my VA home loan locations of home XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, CA XXXX mailing address XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX For the past SEVERAL years i have told XXXX XXXX that my loan was transferred to the VA and XXXX paid off, yet XXXX XXXX continued to Lie, Misled, Alter documents and records and submitted for several years false and inaccurate information thus damaging my personal credit, XXXX refused numerous times to correct the Credit Reports and continue to lie and caused me serious financial hardships and higher loan interest rates etc .... This went on for years even the Credit reporting agencies told me time after time that XXXX reuses to correct the problems and it continued harm me. 

Finally XXXX XXXX got caught and I received a letter that XXXX now admits they erred for years on my credit and loan on my home. This letter received last week admits the problem and they now years later are letting me know they screwed up my credit for years. It has cost me dearly to the amount of over {$11000.00} in financial loses and denials, and higher interest rates all because they lied. Knowlingy misled me, other banks, credit cards etc. all causing me financial ruin.
Product: Credit reporting, credit repair services, or other personal consumer reports

I believe I am a victim of identity theft. Due to the Pandemic, we have been facing a lot of problems in terms of financial, XXXX and XXXXXXXX aspects. Also, I have been hearing a lot of recent news that the Bureau is having data and system issues. This account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to 3 Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you. ( XXXX  XXXX XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed 4 disputes ( XX/XX/XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX and XX/XX/XXXX ) with both XXXX credit reporting agency and Bank of America ( the creditor ) to correct an error on my report that showed up on XX/XX/XXXX. I have NOT had an active account with Bank of America since XX/XX/XXXX of XXXX when my mortgage was transferred to another servicer ( XXXX XXXX ). Each of the disputes I have filed with both Bank of America AND XXXX has resulted in NOT changing the error on my report. This is adversely affecting my attempt to re-finance my loan at his time by showing that I have two months in a row where I was 30 days late XXXX XXXX & XXXX of XXXX ). As of XX/XX/XXXX and every prior credit report back to XXXX of XXXX, the reporting was accurate because my account was closed and transferred from Bank of America to XXXX XXXX   on XX/XX/XXXX. Each of those reports showed 30 days late from XX/XX/XXXX and no late payments or XXXX. I have the online credit reports from XXXX dated XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX ( and can submit others going further back ) showing the XXXX payment to Bank of America as not late. 

The simple fact that Bank of America transferred my mortgage loan to XXXX XXXX on XX/XX/XXXX shows that it is IMPOSSIBLE to have my XX/XX/XXXX payment be 30 days late. I was only a customer of Bank of America for THREE full days in XXXX of XXXX. I am confused as to how this change was made on XX/XX/XXXX and also why the change was made. But this erroneous change has negatively affected my opportunity to refinance my current loan to a lower loan percentage, a shorter term and also take money out of my refinance for home repairs. This needs to be corrected ASAP.
Product: Credit card

I made a purchase at a merchant during complete chaos at a concert with XXXX people. I ordered:XXXX prints ( @ {$60.00} ) XXXX prints ( @ {$60.00} ) XXXX prints ( @ {$30.00} ) XXXX XXXX XXXX prints ( @ {$60.00} ) XXXX T-Shirt ( @ {$40.00} ) For a total of {$2200.00}. The employee told me XXXX amount, but put a different amount on the receipt, and then never offered me a copy of the receipt. It was n't until the next day when a notice popped up on my phone that showed a total charge of {$3100.00}. I disputed the charge with AMEX and was declined because the merchant says " prices were posted. '' That was not my dispute. My dispute was the merchant was incompetent and over charged me. In talking with several people I know, and reading messageboards, this was a huge problem with the merchant. But, guess who takes the fall? Me, an {$840.00} overcharge, and AMEX gets their fees, the merchant gets their fraudulently obtained funds, and the little guy gets a stick in the eye and is out {$840.00}! What a fun outcome for everyone but the consumer! Dishonesty pays I guess.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted four letters to Trans Union, XXXX, XXXX. The letters state, according the to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify-through the physical verification of the original signed consumer contract-any and all accounts you post on a credit report. Otherwise anyone paying for your reporting services could fax. mail or email in a fraudulent account.
Product: Credit reporting or other personal consumer reports

If there are any inaccuracies or incomplete information regarding my accounts, judgments, liens, balances, payment history, late payments, account history, or any other details in my credit report, I request that you promptly correct or remove those items from my credit file in accordance with the Fair Credit Reporting Ac
Product: Debt collection

Debt was written off by original creditor in XXXX. This debt passed Texas statute of limitations in XXXX. This debt is not valid.
Product: Mortgage

I requested assistance options in advance from my mortgage company since I knew I was going to be out on short term XXXX for XXXX weeks recovering from a c-section. I did this in advance on XX/XX/XXXX, my due date was XX/XX/XXXX. They denied my initial request of assistance or repayment options because I was not behind enough. They closed by request on XX/XX/XXXX. 

I then submitted a new request for assistance on XX/XX/XXXX because then we were behind. They denied us due to insufficient income, which come to find out was because they did not have our income in their system whatsoever. After XXXX or XXXX letters in writing and getting them to understand the breakdown of our income we were again denied. We received a denial letter on XX/XX/XXXX and some of the reasons included that our hardship duration is either long term or permanent. The Hardship was short term and temporary simply due to a XXXX and CSection delivery. I was only out of work for XXXX weeks and have since returned to work as of XX/XX/XXXX. I was on XXXX and temporarily receiving XXXX XXXX XXXX. This means I had a *Temporary* reduction in our income. I have been speaking with the VA on an ongoing basis. They have also emailed Cenlar ( XXXX Mortgage ) with a recommendation to put us on a Special Forbearance until XXXX so that we can repay the past due balance with a bonus and tax return we expect in XXXX. We were denied for an affordable modification due to our debt to income ration not meeting the requirement for the loan modification. They included the right to appeal there decision by XX/XX/XXXX. I sent them a XXXX page letter on XX/XX/XXXX as our intent to appeal and requested they clarify as to what the debt to income requirements are. I have been waiting and checking on this nearly every few days and all they did is close it on XX/XX/XXXX without any response to our appeal. We are now showing there is no longer a request for assistance on file and have a generic banner implying to apply again for another assistance request. hen tried just calling them and after a long holding time spoke with a representative who spent XXXX minutes going through disclosures and reviewing all the fees and payments I owe to hang up on me after he demanded payment and I asked him right back. Do you really think I am calling to make this payment right now? 

I do not know how to proceed, but I just took an hour out of my lunch break to deal with this to end up with XXXX results. 

I am attaching our latest denial letter including my appeal letter and a screenshot of our request history downloaded from their loan solutions portal showing the dates opened XX/XX/XXXX, which was just closed on XX/XX/XXXX without any further movement or response.
Product: Debt collection

Avout 2 years ago i settled a debt with XXXX XXXX. A conpany named Creedance resource mgmt called me the next day as i was to pay and told us that XXXX had switched their company i should pay to. the amount was close to $ 7k. I thought it was odd but i ended up ignoring them and paying with the correct company A month later i started unexpicably losing a lot of money. Those guys calledme acouple more times about ridiculous debts and asking how mich fo i want to pay?

I told them nothing is what i want to pay. The miney kept didappearing throufh what i now kniw were doubked transactions. was told by one debtor that i had called the previous day but i had not.

we list so much money we went into foreclosure and we sold the house.

after micing things got even worse and i would receive calls from people but they did not say they were CRM. We were bring hackef as well. however when i would return the call CRM answered. i threatened to sue and one of their team
w assured me they were not hacking ir stealing from me. i had a little evidence and an assumption but not enough. Now almost a year later they start showing up on XXXX. False debts that i dint owe and people taking out credit in my name. This company needs to be investigated immediately. they are currently threarening us kn our own home and shining infrared lasers into it. sounds crazy but u swear its true. we ar moving we fo not feel safe. please investigate this company
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX 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 XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers XXXXThis 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 XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Debt collection

Diversified Consultants keeps calling me. They say they are calling on behalf of XXXX. I haven't done any business with XXXX EVER. They have called at least 6 times and they demand that I tell them my Social Security number. I have told them EVERY SINGLE time they have the wrong person and to leave me alone. They have refused to leave me alone. They are an abusive and corrupt company. They should be fined and imprisoned. It is not acceptable to call random people out of the phone book and demand personal information OVER AND OVER.