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

I am a person that has been taken advantage of and credit reporting bureau has violated the fair credit reporting rights and I was also not notified about any discrepancies within XXXX and Before the expiration of the XXXX-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller.

I want the CFPB to publish this description on consumerfinance.gov so that others can learn from my experience. The CFPB will take steps to remove my personal information from this description but someone may still be able to identify me. Learn how it works. I consent to publishing this description after its all done.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/XXXX I have been attempting to access an online account through Transunion to be able to freeze/unfreeze my credit report and other tools but I am being told online that my account is locked. I spent over an hour on XX/XX/XXXX, an hour on XX/XX/XXXX, half an hour on XX/XX/XXXX, and about half an hour today ( XX/XX/XXXX ). I was told my account would be fixed but as of today it is still locked. When I spoke to a supervisor today I was told my account is locked permanently and there is no way for them to ever unlock it and if I need help with anything regarding my account I have to call them, which is a huge inconvenience.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. Experian, XXXX and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXX Balance : {$16000.00}
Product: Checking or savings account

On XXXX at XXXX XXXX XXXX XXXX, a Citibank client, asked XXXX XXXX  citi branch manager XXXX XXXX ( Citibank XXXX XXXX XXXX XXXX ny XXXX tel XXXX XXXX XXXX ; XXXX ) for water on XXXX because he has a XXXX problem but she refused to give him the water. She had no cause or reason to deny him but chose to be obnoxious and uncharitable. Please investigate and discipline this mean manager who would XXXX  a client if she could make a buck. The treasury gave citi millions of dollars which citi used to make millions on the stock market without investing in increased production or to benefit the masses. Without regulation this horrific type of meanness prevails despite the millions that citi has made in the stock market by borrowing from the us treasury at zero interest. Unless regulations are enforced citi employees like XXXX XXXX will XXXX clients if they can to make a profit.
Product: Credit reporting or other personal consumer reports

I'm really upset because a company pulled up my credit report and now there are all these inquiries on there that I don't recognize. I have no idea what's going on and it's seriously stressing me out!
Product: Money transfer, virtual currency, or money service

I received notification from Venmo on Friday night via text message with an access code. I did not sign up for Venmo. I went to the website and saw that I could log in with my phone number ( XXXX XXXX XXXX ), even though I never signed up. The email address on the Venmo account I did not recognize. When I contacted Venmo they made me submit documentation to prove the number was mine I submitted screenshot from the XXXX app and my XXXX setting to clearly evidence the number was mine. They responded today stating they could not remove the number and someone would contact me in a few days My number is being used by someone other than me for money services and Venmo has done nothing to address it despite multiple attempts. They also do not have weekend hours to address identify fraud
Product: Credit card or prepaid card

Hi, I initiate a debt management program with a company XXXX XXXX XXXX in order to reduce interests on my CC and reduce monthly payments in order to pay them in a best time manner, I set up the plan successfully with my other 3 CC but the Capital One CC was not accepted by the institution saying that I was already in an " internal program '' so the couldn't authorize to be handled by XXXX, I have a big interest rate of 22.24 % and 27.15 % in part of the debt. I called them and Capital One said that they don't remember in what internal program was subscribed, which I don't recall to enter any program, so there was nothing they could do. 
I'm asking you, the CFPB to step in and help me resolve this situation that all I want to do is pay my CC and not become delinquent on my responsibilities, please let me know if you need any additional information.
Product: Debt collection

The company, Exeter Finance, sold the account to XXXX XXXX XXXXXXXX XXXX 
I contacted XXXX XXXX XXXX and paid {$1400.00} to close the account. This was paid off on XX/XX/year>. They had agreed to report this to all three credit bureaus. I has tried to dispute this several times on XXXX. Exeter refuses to stop reporting on the three credit bureaus even though they sold the account and I paid the account off and have a bank statement as proof that I paid the account off. I have reached out several times and they refuse. Even though I had made an agreement with XXXX XXXX XXXX XXXX XXXX that it would be reported that the account was paid in full. Exeter Finance does not own the account. They sold it. And they keep reporting me as late when the account is settled.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried disputing items reported to my credit report already and the accounts have not been verified accurately and deleted even after investigations were done. The following accounts are reported to my credit reports inaccurately after complete investigations by credit reporting agencies : 1. Account number - XXXX : XXXX XXXX XXXX XXXX XXXX : {$5900.00} Original creditor : XXXX XXXX XXXX XXXX Reported : Dispute investigation completed on XX/XX/XXXX  ( XXXX XXXX ) In accordance with the fair credit reporting act XXXX  account # 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 : if also states a consumer reporting agency can not furnish an account without my written consent. 

2. Account number - XXXX : XXXX XXXX XXXX : {$470.00} Reported : XX/XX/2023 In accordance with the fair credit reporting act XXXX account # 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 : if also states a consumer reporting agency can not furnish an account without my written consent. 

3. Account number : XXXX : XXXX XXXX XXXX Original creditor : XXXX XXXX Balance : {$360.00} Reported : Dispute investigation completed on XX/XX/XXXX  ( XXXX XXXX ) In accordance with the fair credit reporting act XXXX  account # 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 : if also states a consumer reporting agency can not furnish an account without my written consent. 

4. Account number : XXXX : XXXX XXXX XXXX XXXX creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$170.00} Reported : Dispute investigation completed on XX/XX/XXXX  ( XXXX XXXX ) In accordance with the fair credit reporting act XXXX account # 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 : if also states a consumer reporting agency can not furnish an account without my written consent.
Product: Debt collection

I have never had an account with XXXX XXXX. I called the company and they told me that they show no record that an account had ever been sent to collections by XXXX XXXX. Even then, I have never had an account or requested service from XXXX XXXX. I called and they could not even provide me with my social security number. When I contacted Credit Collection Services, the collection agency that is reporting the item under my name, confirm that they have no social security number on file. 
Someone that knows me, may have used my information, or it may be an account for someone that may have a similar name. I am not sure. 
I am requesting your help and have Credit Collection Services remove this inaccurate tradeline immediately. I understand that by law the account would be removed from credit regardless by XX/XX/2022, nevertheless, it is not fear that I need to wait on this inaccuracy to be deleted from my credit report.
Product: Debt collection

Professional Credit Services informed me by letter that they were attempting to collect a debt. This letter was dated XX/XX/XXXX. I replied by Certified Letter with Return Receipt on XX/XX/XXXX requesting information to determine that the debt is valid. The letter was delivered on XX/XX/XXXX and signed for by " XXXX XXXX ''. I have received no response to this letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a Personal Joint Loan for XXXX some dollars that I have no knowledge of. This loan could be in connection with my ex husband, XXXX XXXX XXXX XXXX, XXXX. 
After XXXX XXXX XXXX XXXX in XXXX I left XXXX and fled to XXXX XXXXXXXX. After he served his sentence we were divorced in XXXX. My residence was and still is XXXX when this loan was secured 14 years ago I did not sign anything committing to this loan. Please remove this loan from my credit profile as it isn't mine. 
I can find XXXX ssn if needed. Former possibly current address is XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX  XXXX Or XXXX XXXXXXXX, XXXX, XXXX Thank you!
Product: Credit reporting or other personal consumer reports

am writing to formally request the blocking and deletion of specific accounts on my credit report due to my status as a victim of a data breach. In accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting the immediate removal of the following accounts : Accounts to Be Blocked and Deleted : XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX  - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} Bankruptcy - XXXX - XX/XX/XXXX - {$00.00} XXXX  - XXXX - XX/XX/XXXX - {$110.00} XXXX  - XXXX - XX/XX/XXXX - {$220.00} Inquiry to Be Blocked and Deleted : XXXX - XX/XX/XXXX
Product: Checking or savings account

On XX/XX/year> at XXXXXXXX XXXX I went to withdraw {XXXX from my cashapp card, I was given a cash dispense error by the ATM and still had the cash taken from my account. I called both XXXX who runs the ATM and Cashapp to try to resolve this. I was told by XXXX bank that they refunded the money and Cashapp refuses to process the refund stating it will take up to 120 days to decide. I did file with the XXXX XXXX XXXX  and have not received a response from Cashapp via the XXXX
Product: Credit reporting or other personal consumer reports

My credit report contains fraudulent inquiries that need to be addressed.
Product: Credit reporting or other personal consumer reports

on XX/XX/2023, XX/XX/2023, XX/XX/2023 There are hard inquries on all three credit reports XXXX, equifax, and XXXX my credit score dropped from mid 700 's to low 500 's within a month and I sent letters-and spoke to representatives from all three credit reports that I did not authorize these hard inquires on my report and thus a police report was issued on XX/XX/2023 serieral number : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX California on XX/XX/2023, I spoke with XXXX, representative in the special department at XXXX, she stated she is unable to remove hard inquires from my credit report unless she has a police report, FTC letter, or other documents to provide assistance with the investigations Report mailed today, XX/XX/2023 WHAT DOES THE LAW SAY : If you notice hard pulls on your credit that you did not consent to, you can demand the creditor remove the inquiry. If they do not do this, you can sue under the Fair Credit Reporting Act ( FCRA ) Withholding Notices You're entitled to notices concerning the reporting, handling, and use of your credit information. Notice violations under the FCRA might occur when : I was not notified to these hard inquiries on my credit report a creditor fails to notify you when it supplies negative credit information to a credit reporting agency a user of credit information ( such as a prospective employer or lender ) fails to notify you of a negative decision based on your credit report a creditor fails to provide you with your credit score if it was used as part of any credit decision a creditor fails to notify you of your right to dispute inaccurate credit information a creditor fails to notify you of your right to obtain a free credit report or a creditor or " user of information '' refuses to identify the source of the credit information it obtained about you.
Product: Credit card or prepaid card

This morning on XX/XX/2020 I received 8 phone calls between the time of XXXX XXXX ET and XXXX XXXX  ET from Synchrony Bank. I was sleeping so I did not answer. I am also going through XXXX XXXX XXXX to get this taken care of. However, I know they should not have called me that many time in ONE minute. That is harassment. Thank you for your time!
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER:XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and TRANSUNION has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Checking or savings account

I was a customer of Simple, backed by BBVA. BBVA decided to close simple and was supposed to migrate accounts on XXXX. To say they were wholly unprepared is an understatement. Accounts are frozen, it has been 3 days with no access to online or mobile accounts. I can not get in to see my account balance. XXXX users are also saying BBVA refuses to waive fees for transferring money away. There is no transparency, no one is answering the support line ( in fact it just hangs up on us ). I have tried 7x ( different support numbers ) and gotten nowhere.
Product: Credit reporting, credit repair services, or other personal consumer reports

My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by Equifax. Despite sending them letter last XX/XX/XXXX for the said request, I have not received any response up to this date. Besides, the inaccurate information about my accounts is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non- compliance with federal statutes. KINDLY REMOVE these accounts that are still reporting on my account : XXXX XXXX XXXX XXXX*****Opened Date : XXXX XXXX, XXXX Balance {$1000.00} XXXX XXXX*****Opened Date : XXXX XXXX, XXXX Balance {$1800.00}
Product: Credit reporting or other personal consumer reports

My account was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent a letter to Experian requesting the correct the personal information they are reporting on the credit file they keep associated with my social security number. I included copies of the following documents for clarification : Commonwealth of Pennsylvania Official Birth Certificate ; U.S. Passport ; Goverment Issued ID ; Current Bank Statement ; and Current Utility Bill They are continuing to act in grossly negligent manner by reporting incorrect and inaccurate names and addresses. 

On XX/XX/XXXX a dispute was opened under Experian report number XXXX. 

I contacted Experian on XX/XX/XXXX to get an update on the dispute. I was informed by a representative of Experian, who can only be identified by XXXX of the Impct Team, that Experian will not update the information. 

I expressed to her that in accordance with the FCRA any address that is undeliverable to me by the U.S. post office is  inaccurate and must be deleted. I also informed her that XXXX and XXXX has already corrected the errors. She informed me that Experian will not delete the inaccurate addresses or delete the erroneous names on my file.
Product: Credit reporting, credit repair services, or other personal consumer reports

Today during my morning XXXX XXXX before starting the day, I saw a notice from XXXX XXXX that my score on Transunion changed but there was an offer to save significantly on home and auto insurances. I logged in and the small score drop was a in increase in my total debt to limit ratio at 17 % but was prepared for that with the covid19 emergency. There was an offer that had been hounding me and hounding me for weeks via XXXX XXXX and then direct invite with approval code from XXXX Credit Cards and was promised in writing that checking to verify my pre-approval matched their records there would be ZERO impact to my credit and should I choose to move forward Id be required to approve a hard pull and Identification verification- the match shiowed up in their system - the sight was verifying my info and stopped to ask me to send a live picture of my drivers license as a fraud preventative measure which i was impressed and sent immediately- once uploaded instead of asking if I want to continue the app stopped, said I was on government assistance or something crazy like that and they need 30 days to process the card I DIDNT APPLY FOR. I waited on hold for them for 2 hours only to be told they dont do disputes with limited staff and just direct dispute with transunion and they would agree to remove the inquiry- transunion would only do it if I locked my report and claimed id theft and fraud altering on my credit report- as you know when ID theft is not the issue it is a death sentence to have those worthless statements that immediately place you as high risk on XXXX XXXX and others- so my only hope is trying through you guys - any help would be appreciated - I just got most of the fraudulent accounts off my reports with the exception of transunion- after the data breach they were the only agency that required me to sign up for all their services at over {$100.00} per month to even consider continuing to investigate my disputes and so far its been working- so I really dont want this inquiry to drag me down more when I had my number set to exactly 4 hard pulls past 24 months
Product: Credit reporting

The XXXX XXXX organization sent my account to a collection company, XXXX XXXX of XXXX VA, without billing us directly. My family of XXXX has lots of XXXX medical issues in the course of a year, and in every case, we always pay our bill immediately, or in exceptional cases make arrangements to pay extremely large bills over a series of installments. We have a high deductible medical insurance plan, and routinely we pay over {$6000.00} in medical costs until the deductible is met, and when the deductible is met, our insurance faithfully covers the remainder. We use our local XXXX XXXX 6 or 7 times a year, at least until now, and we have never had any issues, and our credit reports demonstrates that we do n't have issues with anyone else. We first became aware that XXXX had sent a balance to collections with XXXX XXXX of XXXX VA XX/XX/2016 when my daughter required medical care. Naturally, as soon as we were informed that anything was outstanding, we paid the bill in full immediately at the front desk of XXXX XXXX. We contacted the credit bureaus about the matter, and naturally the erroneous information was " confirmed ''. This is an abusive practice and I can not fathom what business purpose it serves to take ordinary receivable matters in turn them into inappropriate collection practices.
Product: Credit reporting or other personal consumer reports

Company rep said they will not remove any late payments. I am demanding late payments be removed. 

That company CarMax is in clear violation of law under 15 USC 1681b- permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer reports under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relates.

per U.S Code 166 ( b ), 15 U.S Code 1681a ( 2 ) ( I ) and 15 U.S code 6802. 

They do not have my written consent nor did they ever give me the option to opt out of Credit reporting.