23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I spoke to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX from the fraud department at Experian about previous addresses on my Experian account that shouldnt be on my account. I stated clearly that the only address that should be shown is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Any other address on there should be removed because I do not leave at no other address and anything thats reporting that is fraudulent. Also any previous address should be removed because it does not associate with any accounts on my credit report. I do NOT want any previous addresses shown on Experian account thats not associated with me or any accounts! Thats is not fair or accurate
Product: Debt collection

In XX/XX/XXXX I took a position overseas in XXXX XXXX with the XXXX XXXX. I disconnected my cable service, turned in the equipment and settled my final bill because I was going to be gone for a minimum of 2 years. 

After I returned to the states in XX/XX/XXXX and wanted to reconnect my cable service, I was told I owed $ XXXX which is now {$190.00}. I refused to pay it because I had a {$0.00} balance when I left. I have no receipt of payment. My extensive credit report shows that I have never been late or had any negative report on my credit report yet the credit bureaus and XXXX refuse to correct the error and almost yearly ding my credit report and bring my score down as well as cause tremendous stress. 

The account is currently in collections and as recent as yesterday have ding my credit report again. I refuse to pay this bill because I simply was out of the Country working for the XXXX XXXX during the period when I allegedly owed the bill. They are also very aware that the account was disconnected in XXXX XXXX which is consistent with the XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Upon reviewing my XXXX XXXX, I discovered some instances of late payments on an account for which I have always maintained timely payments. XXXX XXXX XXXX play a crucial role in accurately reporting consumer information. It is imperative that this information be reported with utmost accuracy. I have never missed a payment on the following account : XXXX XXXX I, XXXX, XXXX I request a thorough investigation into these discrepancies and urge you to provide evidence, such as statements, demonstrating the lateness of these payments. If unable to furnish such proof, I demand that these payments be promptly updated to reflect their true status as on-time, as I have consistently upheld my payment obligations without delay.
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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

I looked at my TransUnion credit report on XXXX XXXX XXXX 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 supposed 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: Money transfer, virtual currency, or money service

On XX/XX/XXXX I purchased a pair of jeans using the Zelle platform through the XXXX bank app from a supposed reputable clothes reseller off XXXX. The jeans were XXXX dollars and I sent it to the number of the person who offered me the jeans. The person was able to take the XXXX and not be responsible for sending out the jeans because Zelle doesnt offer charge backs in the case of fraud since its supposed to be just like money. XXXX bank support was unable to help secure my money because it was like I had just given my cash away for free.
Product: Mortgage

Freedom Mortgage claims they are unable to give me online access to my account but they make me verify my account everytime I call them. I have no way of managing my account, they deleted it and will not allow me to create a new one. Everytime I call they claim to have been working on the same issue for multiple members for " months ''. I have no access to any of my loan documents, none of my account information and they refuse to fix the issue or allow me to create a new account. I have never missed a payment.
Product: Credit card or prepaid card

i am not making complaint against capital one.i made a dispute against XXXX where i bought something XXXX and on XXXX decided since there was no parking lot at the hair salon which i did not find out until after the 3 days of the refund policy passed. i must add their refund policy is not clearly discernible on their site. at the time of purchase. tehy refuse to refund my money on card ending XXXX of XXXX dollars.they stand by their 3 day return policy i know once they send you their policy you will rebill me but the fact i did not know the policy it was not clear or represented on purchase page and the merchant did not reveal there were only parking meters until after 3 days passed is important. i want and demand a refund from them. i will never use them again.
Product: Money transfer, virtual currency, or money service

On XX/XX/2022, I was a victim of a phishing email scam. The email came from what looked like XXXX. The email was : XXXX In the email they sent an invoice of {$500.00} I bought in bitcoin. I have never bought bitcoin. So I called the number at XXXX to dispute the transaction. The other person on the line was incredibly professional and convincing. He claimed the charge came from an IP address in Texas. I have no association with Texas. They wanted to verify my IP address by sending money through XXXX. This was to verify my IP address. They assured me the money was going to come to me instantly again from their manager, XXXX XXXX. The XXXX tag was registered as XXXX. I ended up sending 2 transactions to them. One for {$1300.00}, and another for {$1300.00}. The money was taken right away. They hung up and that was it. I rushed to my nearest Wells Fargo bank and explained everything. I filed a complaint and got all new accounts. I had filed a complaint here but nothing came out of it. Until today I read about Regulation E. It seems I may have a chance through this Federal law. XXXX scams are becoming rampant as of late. XXXX XXXX has been looking into this issue and asking questions. I ask that you please consider my case again and find another reason as to how I can get a refund. Receiving this money would be life changing. I'm looking forward to hearing back from you. Thank you!
Product: Debt collection

I noticed a collection account on my credit report that I did not recognize from " XXXX XXXX XXXX '' for {$200.00}. It didn't even start out as an open account, it went immediately to the collections category. I do not have any utility bills in my name. I looked up the company and they are based in Texas, which is not where I even live. I've lived in California for 8 years now. I tried to dispute the account myself to no avail. When I reached out to the company they sent me " proof '' of the account, which was in a language I don't speak, and used my information to send debt collectors after me. This is downright inexcusable for them to not even check on the information that's given them and not even respond to my attempts to contact them or take them seriously. Then to use my correct information to send debt collectors my way when the only reason they have my information to begin with is because I made police reports and reported my identity as being stolen. I had previously frozen my identity and this still happened.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX - XXXX was included in Bankruptcy and Equifax just started reporting a balance for this account. The account balance should be {$0.00}.
Product: Credit reporting or other personal consumer reports

Please see the attached notarized and dated affidavit supporting my claim of inaccurate reporting on six student loan accounts listed on my credit report. The accounts in question are as follows : DEPTEDXXXX ( Account Number : XXXX ) DEPTEDXXXX XXXX Account Number : XXXX ) DEPTEDXXXX  ( Account Number : XXXX ) DEPTEDXXXX  ( Account Number : XXXX ) DEPTEDNELNET ( Account Number : XXXX ) DEPTEDXXXX XXXX Account Number : XXXX ) The reported XXXX late payments on these accounts are inaccurate. During the dates you are reporting as late, my loans were in deferment. XXXX, the servicer, has already confirmed that I was never late on these accounts. Furthermore, I was part of a class action lawsuit filed against XXXX in XXXX for abusive and predatory practices. As a result of the lawsuit, XXXX agreed to delete inaccurate information, yet these errors persist on my credit report in XXXX. 

I am requesting that these accounts be immediately updated to reflect the correct status : paid as agreed, never late. Failure to resolve this matter promptly will leave me with no choice but to take further legal action to enforce my rights under the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

Over a year ago, I decided to take charge and purchase a home for my family and was told by close friends to pull my credit reports ( which I had not checked or done for several years prior ). Once I pulled my FICO scores and checked my XXXX with XXXX XXXX I was shocked to see such a low score and delinquent accounts under my name and social security number for my TransUnion report. Over the course of several back and forth disputes done following the full dispute process and submitting identity theft and police report and having it approved, I got most of those fraudulent and delinquent accounts off my TransUnion report. However, two charge-off accounts by XXXX XXXX XXXXXXXX and XXXX XXXX , both of which I have never opened a credit card with. Both those accounts were opened fraudulently, without my consent or knowledge and used and destroyed my financial reputation without me even knowing. I am frustrated beyond explanation as I have continued to send disputes to TransUnion to delete the accounts from XXXX XXXX XXXXXXXX and XXXXXXXX XXXX as they are not mine and I have supplied plenty of relevant and supporting documentation in order for those fraudulent accounts to be removed as it is identity theft and I have sent TransUnion that identity theft report prior and they have done absolutely nothing to delete the information and block it from being re-reported according to FCRA laws.
Product: Vehicle loan or lease

Today I received a call from a Debit collector about a car that I got a loan back in XXXX and was repro/resold at auction. Yet they claim that Bank of America, made attempts to settle the remaining balance back in XXXX - XXXX. But I don't remember any attempt of collection. I have got several loans and vehicle, but that so called debit was never in my credit report. Isn't there a status of limitation on this type of collection. For the Man on the call claim it was for a vehicle back in XXXX and not it's XXXX. Yet no letter 's certified or non certified collection letter. 

While Yelling at me and telling to shut up and listen, Yet I was trying to get information and he keep refusing to repeat himself or give me any information on the debit, but just keep telling me to shut up and listen to him. That his company had sent a certified letter to my current address and I asked him when and if I could even give me any real dates. If they had set a letter and was returned, then should they have sent a certified letter asking for signature? 

He was really rude and not willing to help and keep on threatening me of court, but refusing to give me any information about the loan or the debit. This is already beyond the status of limitation for any debit, because the Loan and repro was back in XXXX and it's now XXXX. Base on Arizona and New Mexico have status of limitation for debit collection and this company has exceeded the status of limitation on this debit. 

Plus this is the XXXX call case XXXXXXXX XXXX XXXX XXXX XXXXXXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting inaccuracies to my report.
Product: Debt collection

Portfolio Recovery h as contacted me at  XXXX  on numberous occasions.
Product: Credit reporting or other personal consumer reports

In accordance of the Fair Credit Reporting Act, XXXX XXXX XXXX Account # XXXX and 3 Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX and XXXX XXXX XX/XX/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 a account without my written instructions.
Product: Credit card or prepaid card

XXXX : contacted Best Buy Citibank for charge found from XXXX of {$100.00} interest payment that didnt make any sense. Called them and they said there is a deferred interest rate. I told them I never check my statements, have an auto pay + {$5.00} till the bill got paid. I didnt use the card anywhere else and couldnt understand why I had to keep paying towards such a small original amount of {$500.00}. XXXX the management accused me of not looking at my statement and said she wont void the deferred interest charge. I would of never signed up and was mislead as to a deferred program. I could of paid off the credit card on time if I was aware of this obsured policy. I know other people have been mislead through this company ripping people off. Cheap business idea.
Product: Credit card or prepaid card

On XXXX XXXX I made a minimum payment of XXXX. My balance left owed was XXXX. I paid again on XXXX XXXX for XXXX. This credit is not showing and I was charged XXXX. Then you received the first collection call today XXXX XXXX. To inform me that I had incurred another late fee of XXXX. I have paid it in its entirety and requested the account closed. I did not make a payment this month because the one I made the end of XXXX should have paid the balance in full. And the late fees compounding and no notice at all until today.I have also been locked out now from all accounts to do with XXXX that is the card I am referring to.
Product: Credit reporting, credit repair services, or other personal consumer reports

First I want to freeze my credit report because somebody that I dont know using my information or or a representative works at credit bureaus thats in my information and messing with my credit. 

I work foXXXX XXXX XXXX XXXX  XXXX XXXX location and for me to get my employee discount I have to apply for a credit card XXXX, XXXX  capital one so the HR of XXXX  XXXX  send me a link and I played on it and after I got my credit card its shows that im not employee with XXXX and I called capital one asking what wrong, they told ask ur HR to switch this personal account your employee account so I went to the HR but hes sad that I can not and asked me to close the account and applied in the store for a new one, which is I dont have to in the employee policy. Its sad always ask HR to switch personal account to employee account. So I called the capital one. I told them what the HR said and they close the account and I applied for the other one next day so they send me a new credit card I try to use it and same thing I have to ask the HR to switch personal account to employee account so I called capital one again. Ask him why you closed the first account and he told me because you want to which is its a lie hundred percent. 
And XXXX XXXX that I never had
Product: Debt collection

Years ago I was contacted by XXXX XXXX stating that I owed a past due amount for alarm services in XXXX Texas, I told them I have never lived in Texas and filed a police report and FTC report for the debt, then in XX/XX/2023 I am informed that XXXX sold the debt to Zion Debt Holdings I contacted them told them that I had furnished police reports to Vivant and that this was not my debt that I had never lived there, and they stated well we will see if you pay when we place it on your credit which they have done. 

This is not my debt and I have never lived in XXXX Texas
Product: Credit reporting or other personal consumer reports

I havent gave XXXX, XXXX or Experian the consent to obtain or furnish my information so under 15 U.S. Code 1681 B : Obligations with respect to disclosures of personal information. Now under 18 U.S Code 1028 A : Aggravated identity theft. This mean XXXX XXXX and Experian are all in violation. Under 15 U.S. Code 6802 : Obligations with respect to disclosures of personal information.
Product: Credit reporting or other personal consumer reports

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.
S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax, should be investagated.  Two y ears ago i had a problem getting my online annual credit report due inaccurate questions that i couldnt answer because i never had mortgage or car loan. Or lived at the addresses Equifax has for me! I had to mail documents as to my identity. Weeks later and after a call i finally got my credit report with inaccurate information on it. I had no problems with the oth er two cr edit reporting agencys and the disputed inaccurate information was taken off my report   XXXX    a andd    XXXX  . I have been fixing my credit over the years And t he Correct  information is  Paramount  when it 's about your credit worthyness. EQUIFAX should be investagated by The Attorney General because there are hundreds probably thousands of complaints online about Equifax of people having the same problems with inaccuracies EQUIFAX Refuses to fix these problems. Credit is important to the lives of all americans AND EQUIFAX IS NOT A REPUTABLE REPORTING AGENCY. AND SHOULD NOT BE USED FOR CREDIT REPORTS. I should be able to view my online credit report online instead of having to mail and send the same documents again because EQUIFAX WAS GIVEN THE RIGHT INFORMATION BUT REFUSES TO USE IT. PLEASE DO SOMETHING ABOUT THEM. THANK YOU
Product: Credit reporting or other personal consumer reports

CB/Victoria Secret is unlawfully and illegally reporting derogatory information on my credit report without proper authorization for {$420.00}. I have never authorized or signed any legal contracts or applications with debt agency, nor have I provided them with any other form of identification that would permit them to legally report this information. CB/Victoria Secret has failed to provide a copy of any wet signed applications, which raises concerns about the legitimacy of their actions. This is not a credit transaction with this third-party debt agency and I will also be filing other federal and state complaints against CB/Victoria Secret . I need proof of my identity also. I have not given them the authority to access or report any information related to me pursuant to the Fair Credit Reporting Act ( FCRA ), which requires a permissible purpose for such actions. Their failure to comply with these legal requirements has caused harm to my credit standing. I request that the CFPB investigate this matter and ensure that the derogatory information is removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/2019 I have contacted the collection agency XXXX  XXXX  XXXX   XXXX  and all three credit bureaus ( Experian, XXXX, and XXXX  ) disputing the unknown account and asking them to provide documents to support their claim of me owing them debt such as identifying documents, a legal contract bearing my signature, calculation of the debt, how it was calculate, and who furnished the information. For over ten months all I get are " form '' letters no real facts when they should have provided these documents within 30 days according to FCRA law. They have continued to break the law while my quality of life suffers. This is my last attempt to resolve this issue without legal assistance. The account in question is XXXX XXXX XXXX  XXXX ... Amount {$3700.00} for an authorized/unknown account.
Product: Checking or savings account

My office network was victimized by ransomware. My Citizen banking access credential were potentially compromised in the hack. I needed to change my online banking password with Citizen bank. I tried the website. It did not work due to a bank website errors. I tried this with a local bank agent on the phone with me. We tried all options and none worked. She finally told me she could not help me. She was very nice, professional and did her best to resolve my problem. It was not her. It was the bank website and the setup. I called Citizen Bank online banking phone number. I was on hold for one hour, then The on hold voice told me to call back later. I tried this again and same thing happened. 

To make the long story short, I am not able to change my online banking password to protect my accounts from the hackers. This is strictly due to the bank and nothing to with me. 

I need help before my money disappears. Thank you.