23daVinci/CFPB_Complaints huggingface dataset:
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 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 XXXX  : Account Number : XXXX Account Name : DEPTEDXXXX  : Account Number : XXXX Account Name : DEPTEDXXXX  : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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: Payday loan, title loan, personal loan, or advance loan

I submitted a request to Credit Fresh to honor my rights under the Servicemembers Civil Relief Act ( SCRA ) while I am serving on XXXX XXXX Orders. However, when I contacted customer service, I was incorrectly informed that Credit Fresh does not support SCRA benefits unless I am XXXX XXXX XXXX and that service in the XXXX XXXX does not qualify. This statement is incorrect. 

I enlisted in the XXXX XXXX and am currently serving on XXXX XXXX Orders for the XXXX XXXX, which qualifies for SCRA protections under federal law. Despite providing this information, Credit Fresh wrongfully denied my request and asked for a copy of my enlistment contract, which is not required to verify my XXXX XXXX status for SCRA eligibility. 

I have attached a copy of my conversation with customer service as evidence of my attempt to request SCRA protections. Additionally, as of today, my account has been frozen, and I want to ensure that no additional interest accrues since I am unable to pay off the remaining balance at this time. I also intend to close this account after this issue is resolved. 

I am formally requesting that Credit Fresh comply with SCRA requirements and reduce the interest rate on my loan, as required for debts incurred before my XXXX XXXX start date. Failure to do so would constitute a violation of my federally protected rights under SCRA. 

I appreciate your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

I am writing this complaint because I want to ensure that Equifax is compliant with my notice of dispute. They constantly ask for unnecessary verification information that stalls the disputing process. I am exactly who I say I am. No need to consistently ask me for extra verification information.
Product: Credit reporting or other personal consumer reports

Dear CFPB and TransUnion Today on my birthday I spent over XXXX XXXX hours on the phone with Trans Union. I was forced to wait on hold a total of XXXX hours to get to speak to an agent whose name was XXXX from XXXX XXXX special handling department. I was sent there Because their agent had left a voicemail and just told me to call the call center. I wasted XXXX XXXX hours on my birthday. The agent XXXX made no effort whatsoever to assist me. I advised her that the XXXX and XXXX disputes did not correct the in accuracies and the fact that the disputes are impartial because they simply send them to their business partner for incomplete and inaccurate results. The fair credit reporting act states that disputes must be fair and impartial. Trans Union submits them to their business partner where they receive money so theyre not fair and theyre not impartial. I offered to give evidence, but she refused. They simply rely upon their paid business partners. she was not concerned about me as a consumer, nor was she concerned about resolving the issue that they created. The investigation was also incomplete, which is a violation of the fair credit reporting act, but they were also concerned about that. I also offered her evidence that the XXXX XXXX  charge off account stemmed from medical debt, but she was concerned about getting any evidence as they solely rely upon whatever the creditor says in an electronic dispute. She was advised that the disputing process done again and again has failed the customer, but she was unconcerned. I am a XXXX person and these senseless calls and disputes are not only damaging to my credit report, but theyre also damaging to my health. XXXX, their agent was completely unconcerned
Product: Credit reporting or other personal consumer reports

I send a XXXX out 30 days ago to Experian, XXXX, XXXX. .How ever its been 30 days and the credit bureaus failed to send my investigation back. This is not making is not making any sense. 


According to the law 15U.s code S 1681i- Procedure in case of disputed accuracy. If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly though a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine wether the disputed information is inaccurate and the Current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end 30 day period beginning on the date on which the agency receives the notice of dispute from the consumer or reseller.
Product: Credit card

I have sent 3 letters to BarclaysXXXX XXXX XXXX XXXX did not authorize or approve the credit card account or the transaction of {$4300.00}. This transaction is related to a presentation to purchase a Vacation Ownership Plan. I did not accept the terms nor did I provide signatures/authorization on any documents. I've requested validation and evidence of acceptance/approval.
Product: Credit reporting, credit repair services, or other personal consumer reports

Identity theft letter and FTC report attached for the second time
Product: Debt collection

A company name Financial Assistance Inc. Located at XXXX XXXX XXXX XXXX XXXX XXXX claiming to have some kind of collection account in my name. I contacted Financial assistance about this alleged debt and they claim that I obtained some kind of auto insurance policy with an unknown insurance company and that I owe the insurance company around {$200.00}, however I dont know what Insurance company they are talking about since I have all my insurance policies through XXXX XXXX XXXX XXXX XXXX  XXXX all my auto and home insurance policies are current and up to date and has never been past due with any of my creditors including my insurance provider. I have never done any business with Financial Assistance Inc or requested any financial assistance from them. I have not authorized anybody to obtain any loans, borrow or opened any kind of transaction with Financial Assistance Inc or any other party associated with financial assistance Inc. This Collections account from Financial Assistance IncXXXX Account number XXXX is fraudulent and was opened through fraud. Financial Assistane Inc, never provided me with any documentation to support the debt, and they since it's a 100 % Fraud/ID theft.
Product: Credit reporting or other personal consumer reports

I am writing to formally complain against TRANSUNION regarding inaccuracies in my personal information and addresses in your records. 
Personal Information : My legal Name is : XXXX XXXX XXXX XXXX My Address is : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX My Date of Birth : XX/XX/year> My last 4 Digits of My Social Security Number : XXXX My Employment : XXXX XXXX I have noticed that your records contain multiple names and addresses associated with my profile. This is not only confusing but can also adversely affect my ability to obtain credit and harms my credit reputation. I request that you correct and update my personal information to reflect only one name and one address, and remove any names or addresses tied to credit companies that are incorrect or should not be associated with me. 
According to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, I have the right to maintain the accuracy of information in my credit report and to request the correction of inaccuracies. 
Additional Documentation : I have attached copies of documents that support my identity and residence. 
Thank you for your attention to this matter, and I look forward to your prompt responseXXXX XXXX XXXX
Product: Debt collection

I have filed multiple complaints against jefferson capital systems and they continue to ignore the fact that the way the papers were served to me on XX/XX/year> was ILLEGAL. The process server they hired impersonated law enforcement to trick me into opening the door to serve me papers.
Product: Credit reporting, credit repair services, or other personal consumer reports

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 XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

Dear CFPB, I'm writing to update you on my ongoing credit report dispute with XXXX, Experian and XXXX regarding inaccurate information ( XXXXXXXX XXXX XXXXXXXX -Experian XXXXXXXX XXXX  XXXX. Unfortunately, despite filing my initial dispute last Month and exceeding the 30-day timeframe outlined in the FCRA, I have not received any response or update from the bureau ( s ).

The continued presence of this inaccurate information continues to cause me significant harm and hurting my credit credibility I urge the CFPB to take immediate action and : 1. Investigate the bureau ( s ) ' non-compliance with the FCRA.

2. Demand a prompt and thorough investigation of my disputed information.

3. Hold the bureau ( s ) accountable for the delay and any harm caused.

4. Ensure the immediate removal of the inaccurate information from my credit report if verified.

I have attached the following documents for your reference : 1. Copies of my credit reports 2. Copies of my dispute letters 3. Copies of any supporting documentation I provided to the credit bureaus Thank you for your prompt attention to this urgent matter. I look forward to a swift and effective resolution. 

Sincerely,
Product: Credit reporting or other personal consumer reports

multiple auto loan inquiries and credit card inquiries such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  fraudulent inquiries and identity theft I did not make these inquiries and i have no knowledge of these inquiries I have reported this to the IRS and contacted each credit bureau and company that was inquired, I have also opened disputes for each hard inquiry. Please remove these items from my credit report. I did not make any inquiries XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a credit bureau investigation to Equifax for inaccurate information being reported on my credit report and i still haven't received my dispute results and it is way past the 30 days allowed by law
Product: Credit reporting or other personal consumer reports

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I attempted to file a dispute for items returned back to Gap, the incorrect/wrong items were sent and were returned back. The order, XXXX, contained wrong pair of jeans and shirt. They were sent back on XXXX, arrived on XXXX according to XXXX. Tracking number is XXXX. The order total is XXXX. Again, I attempted to file a dispute, but do not know if the rep ( s ) actually filed it as their XXXX is poor and hard to understand. XXXX rep was provided with reason for dispute and return tracking information. As with most companies, Banana Republic credit customer care has been outsourced to XXXX, reps are ignorant/hard to communicate with.
Product: Money transfer, virtual currency, or money service

On XXXX I made a withdrawal to my Coinbase BTC wallet! Coinbase crashes which is not my problem and I still have bot received my BTC! It is stuck in a pending state BTC is never stuck in a pending stage for two days. 

I have reached out to support with no response I have had two other small transactions go thru but this large sum transaction I am waiting on! This is illegal for a company to keep your money!
Product: Debt collection

I do not owe this debt to XXXX. There is no contract between me and Caine & Weiner, and they are not legally permitted to collect debt in the state of Virginia.
Product: Checking or savings account

I had my savings account siezed by my bank Suncoast schools credit union at the demand of XXXX XXXX XXXX of XXXX for a XXXX XXXX. All money in the account is from my XXXX. I had borrowed XXXX  and put in savings. I'm paying it back trying to bring my credit back after getting XXXX XXXX. But I paying it with my only income my XXXX. They have also canceled a order I had from on line and if I try to access inspite of the bank saying those funds aren't effected. I have intended to pay it back and did pay XXXX to a them but only XXXX was credited. They took the rest in legal fees. I dropped the program. I have proof. But 2 years after the fact one of XXXX went to a hearing he had no right going to and signed on my behalf. I've attempted contacting XXXX directly but they won't talk to me because they say the attorney had to discharge service when I dropped them 2 years prior. I can't talk to them and that attorney XXXX XXXX XXXX of XXXX FL. Bar # XXXX refused to return my calls. Because he said I yelled at him and said never to call again. This was after they took the entire XXXX towards my XXXX XXXX  XXXX card for fees and Because he had no right representing me. 
Noone will help me! I was trying to pay back what I owed. Why do you think I didn't just file bankruptcy? Because I felt I should try and pay it back. The savings that I had that I burrowed they siezed is an emergency fund I kept my daughter has a form XXXX XXXX and with her XXXX she could need to be taken to XXXX or XXXX to find someone that knows how to treat. She was just in the hospital for breathing right when this happened. To make things worst my wife had to stop working with the state. This XXXX Soscial security is all we have coming in and they took it and are planning on taking this month 's deposit that goes I. Wednesday. Help..please I am sorry to grobble. It just one of the main reasons I can't work isn't physical. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I'm really having a hard time writing this. I have done nothing wrong. I worked in Healthcare for 16 years I understand this confusion
Product: Debt collection

XXXX Received notification through XXXX  that a delinquent account had been added to my credit report. Call the debt collector, Kansas Counselors @ XXXX CST. Was informed that I owed a debt from XXXX to XXXX  XXXX XXXX. Called XXXX  XXXX XXXX @ XXXX CST. Informed that there was a debt from XXXX of XXXX in the amount of approx. {$180.00}. Claimed they sent a bill for these services in XXXX. I have no recollection of this bill ever coming. I requested XXXX  XXXX XXXX forward me a copy of the original invoice. Provided them my email address. They never sent me the bill. One, I question the validity of the bill AND two I question the practices of a company who would wait 3 years and with NO notice sell a debt to a third party collector. What am I supposed to do in this situation to protect myself? My credit?
Product: Credit reporting, credit repair services, or other personal consumer reports

We have repeatedly contacted XXXX XXXX about the account on our credit report. 

They have been advised this is a fraud account and it was not opened by myself. We have files with XXXX, we filed a police report, and we have written and mailed copies of all the above to XXXX. 

They have not removed the fraud account from our credit records. 

XXXX XXXX does not appear to want to remove this incorrect fraud account they opened without our knowledge or permission
Product: Money transfer, virtual currency, or money service

I wonder where this money of mine my registration number : XXXX
Product: Checking or savings account

American Express, I am writing to request assistance with my American Express XXXX XXXX XXXX  Accounts. I had XXXX accounts XXXX XXXX XXXX  with a Balance of {$2700.00} and XXXX  fund with {$410.00} On XX/XX/XXXX I contacted Amex XXXX expecting an automatic transfer to have been delivered to each account {$200.00} and {$100.00}, which I was told the account has been restricted I asked why, and why was I not notified and why did this happen. I then asked to speak to a supervisor. I was told the request would take XX/XX/XXXX hours. I called back later that evening to get more information and none was provided, except it was a business decision and the accounts are closed. XX/XX/XXXX no supervisor call back, called again and spoke to XXXX. She regurgitated the same information about the account being restricted and that it was a business decision. I asked about the funds in both accounts. She stated my transferring bank needed to request the funds. I requested to speak to another supervisor and was told XX/XX/XXXX hour request. XX/XX/XXXX no supervisor call back. Called Amex XXXX again this time with the information given by my primary bank that stated the account holder ( AMEX XXXX ) is the holder of the account, if they closed the account needs to write a check to me for the funds. XXXX was not pleasant after explaining and asking to not continue to be placed on hold or leave the line without speaking to a supervisor she hung up on me. On XX/XX/XXXX I wrote XXXX letters : one letter to corporate and to the bank. Unfortunately again, no response. XX/XX/XXXX called again this time asked to speak to someone in consumer protection. I spoke with XXXX, he went over the notes that the account was closed and and it was a business decision. Also stated the accounts could not be reopened. I asked how will I get the funds in the accounts. He said they will mailed out tomorrow XX/XX/XXXX and should arrive in XXXX business days. The accounts have also been removed the application and I am no longer able to view the accounts. Today XX/XX/XXXX the funds have not arrived. Called Amex again on XX/XX/XXXX, spoke to XXXX who informed me the checks had not been sent due to additional information being needed. I asked why I have not recieved any notification via email, text, or mail requesting any documentation. She just apologized without any explanation. She confirmed my address and account balances : XXXX fund- {$2700.00}, XXXX fund- {$410.00}. Said I would need to wait XXXX days. I feel like this is another run around to not get my funds. 
I have pleaded with every representative I have spoken with for the past couple of weeks to give me assistance. I requested to speak to a supervisor on every call and the response has been we will put in a request and you need to wait XX/XX/XXXX hours. Each time I waited the 2 days I never got a call back. This is another attempt to get help.
Product: Debt collection

Diversified adjustment reported a debt to XXXX  on my credit report. I have no knowledge of this account nor was I sent any type of verification of this debt
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Account number XXXX Account type Secured Loan Responsibility Individual Date opened XX/XX/XXXX Status Open. {$980.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX XXXX {$3100.00} Balance updated XX/XX/XXXX Never open account with XXXX XXXX. Contacted fraud department sent docs over to fraud. Accounts never deleted. Did not open.
Product: Credit reporting, credit repair services, or other personal consumer reports

Loancare the mortgage servicer of my loan sold my loan to XXXX XXXX after I paid it off. XXXX XXXX reported to the credit bureaus that I owed them $ XXXX when the account was at a XXXX balance. Then Loancare received the loan back from XXXX XXXX and it took them a very long time to resolve the issue. I disputed to the credit bureaus that I should not have a mortgage balance with Loancare $ XXXX nor XXXX XXXX. Loancare removed the balance of my account, I also complained because they lied to me about mailing my escrow funds timely as required, and they swore they mailed it on XX/XX/XXXX, which never arrived. A customer service rep requested for a stop payment in XXXX. I received the escrow payment refund from Loancare a month later the stop payment check and the envelope post dated XX/XX/XXXX. Now Loancare has used my credit report unlawfully by adding that I owe Loancare $ XXXX as a new account after this loan closed in XX/XX/XXXX. I received a letter from XXXX at Loancare for complaining for rationalizing the error that occurred that should of never happened. See the copy of my XXXX  credit report. Loancare  is retaliating against me for making so many complaints which I will address outside of the CFPB.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have noticed my name on my report not recognized, inaccurate & incorrectly spelled this is how my name should be on my report that I only go by - XXXX XXXX XXXX any other names I have never been associated with I also have noticed addresses that are not recognized, never lived at, or associated with me XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX
Product: Credit reporting

Complaint against One Technologies dba XXXX. 
Precedent : XXXX, XXXX XXXX, the XXXX and the FTC prevailed against XXXX for {$22.00} XXXX. [ Ref Tab # XXXX ] -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Beginning in XXXX 2014, XXXX debited my XXXX Card for {$29.00} per month for 33 months [ {$980.00} ] until I discovered the fraud and contacted them to cancel. I contacted them and requested a refund of of {$980.00}. They responded with two topics : 1 ] They refused all refundsXXXX [ Ref : Tab XXXX ] 2 ) They understated the total amount they took by {$470.00} representing a shortfall of 16 months, from XXXX XXXX to XXXX XXXX. [ Ref : Tab XXXX for Totals & Tab XXXX for Credit Card Monthly Statements [ Yellow Highlight ] 3 ] I am requesting the CFPB to collect the total amount taken from my account. [ {$980.00} ] This binder is the only method I had to provide all the documentation, credit card statements, etc.
Product: Debt collection

Remex, Inc sent me a letter saying I owed {$140.00} of debt to XXXX XXXX XXXX which i have never purchased from. I do not have credit, ive under paid a bill I dont understand how I couldve possible come into debt. I looked up Remex on XXXX and all of the reviews say the company is shady and trying to collect debt from fake bills with no evidence of debt.