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

I told all the of the " Big 3 '' nationwide consumer XXXX XXXX XXXX, XXXX, XXXX and Transunion to reinvestigate these accounts : XXXX XXXX ( # XXXX ), XXXX- ( # XXXX ), XXXX XXXX- ( # XXXX ), XXXX XXXX- ( XXXX XXXX ), USDEPTOFEDU/XXXX ( # XXXX ), XXXX- ( # XXXX ), XXXX ( # XXXX ), XXXX- ( # XXXX ), XXXX- ( # XXXX ) I received notice from all three CRA 's ( Transunion, XXXX and XXXX ) that everything was verified as complete and accurate and that my disputes have now been completed and closed out. I am confused, how is it possible they " investigated '' all these accounts and declared them as accurate and verified if information such as : Account Open Date, Date of Last Activity, Payment Amount, and so much more is absolutely incorrect. Not only that but all 3 of the CRA 's are reporting different information.

According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that are not reporting correctly. 

15 USC 1681 Section 602 ( A ) States that I have the right to privacy 15 USC 1681 Section 604 ( A ) Section ( 2 ) States that a consumer reporting agency can not furnish an account without my written instructions 15 USC 1681c. ( a ) ( 5 ) States that 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 USC 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.

These companies do not comply with or even attempt to be in compliance with Metro 2 credit reporting and I have all the supporting docs/evidence to support my claims.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is refusing to remove a fraudulent collection account off my credit file. For the past year I have refuted and disputed this fraudulent account to both Experian and the collections agency themselves ( Credit Bureau Service ), with it's office in XXXX Arkansas over 10 times, submitting proof that I didn't even live in the state at the supposed time they list that I received medical treatment. This is originally a bill from XXXX XXXX  XXXX  for {$360.00}. They state that I received treatment in XX/XX/XXXX in XXXX MO. The major issue with this is I was living in XXXX TN 3 hours away, and didn't move back in the area until XX/XX/XXXX. My identity was obviously stolen! I also asked the collections agency for a detailed bill just to see if I could gain knowledge of who may have stolen my identity and they refused.
Product: Credit card or prepaid card

Care Credit is a card I apply for at the time is because of XXXX XXXX. When I read about the card I was said that you can use it for medical bills, dental and buying some items of drugs like pharmaceutical products. I didn't know that their card ( Care Credit ) only had limited places. For instance my doctor or the hospital had to accept this Care Credit. Everything I tried to purchase didn't accept this card. So now the company closed my card account without any warning or explanation. I called ask why my account was closed I didn't get an answer or letter I was told I will receive.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of certain accounts from my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically under Section 605C, and the guidance provided by the Consumer Financial Protection Bureau ( CFPB ) This request is being made due to my status as a victim of human XXXX, specifically debt bondage, which is recognized under the XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 and 1002.142 ( b ) ( 7 ). I have a letter from an advocacy group assisting me, affirming my status as a victim of XXXX  XXXX. These documents should meet the requirements laid out by the CFPB for the blocking of this information.
Product: Money transfer, virtual currency, or money service

I saw two unauthorized transactions on my account and let the company know. They froze my account and have not answered me since. So they have all of my money and I dont have access to it.
Product: Mortgage

I closed a transaction with Parkside lending last XXXX of XXXX, when the first payment letter came it was very confusing and I received several. I called my LO and he helped clear up the confusion. I made my payment of {$1900.00} and included a extra {$100.00} to my payment on XX/XX/XXXX I didn't realize that they sent me my payment back of {$1900.00} on the XXXX of XXXX. I was out of town and when I got back I kept getting calls that my payment wasn't made. I called my loan officer, because of the language barrier. I still wasn't understanding why they were calling for payment. My LO asked me to get the bank statement to show that I made the payment. when I went to get the statement and I sent it to him. there's where I realized they sent me my payment back for no reason. BUT they NEVER sent me my {$100.00} overage I made towards principal back. I had the exact same problem happen in XXXX, but this time some how they took the payment back after reversing again. But again, they never sent me my {$100.00} back. so now I was out overage of {$200.00} and they're calling me for money. VERY SLOPPY AND CONFUSING. XXXX told me to make XXXX XXXX payment and that I wouldn't be marked late because of their obvious error The overage got worked out, now I have my credit destroyed and they refuse to help me with removing lates from my credit. they have me with 60 and 90 days late, when it was their fault. They waived the late fees because of their mistake but wont remove the lates. HORRIBLE, it doesn't make any sense, especially after researching, Per servicing guidelines, lenders are not supposed to mark you late if a mistake happens through the transferring processing of a loan. Now they got their money and they don't seem to care about the customer now that they made their money. Now my loan has been sold several times because of my credit being so low. nobody wants my mortgage because they think I'm high risk. Every month, I'm panicking to make sure the correct servicer has my payment. I have now retained an attorney and will be seeking legal action because of their negligence. I have the proof that, they reversed the money and there was sufficient funds in the account. WORST COMPANY EVER!!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

GM Financial Leasing filed inaccurate dollar amounts as delinquent notices to credit bureaus. I have called numerous times and supplied them with an explanation of events surrounding the claim twice. I supplied GM with screen shots from XXXX from my credit report. GM has responded but their explanations for not being able to resolve the issue or proceed with my request have been : No specific item was requested for investigation, no supporting documentation was received, the direct dispute is substantially the same as previous dispute.
Product: Checking or savings account

Someone stole the money out of my account {$480.00} and XXXX {$480.00}. I trying to dispute it three times and it was in Florida and I live in Missouri and they did not refund my money.
Product: Vehicle loan or lease

This is regarding the original complaint submitted to CFPB for XXXX and XXXX. I am providing additional evidence of deceitful business practices by US Bank. The bank responded to the complaint dated XX/XX/XXXX. It stated on the front cover incorrectly that " The state of FL is an electronic holding state. A paper title has been requested ; please allow up to 6 weeks for the request to be completed. '' I have contacted the Florida XXXX XXXX XXXX collector 's office, XXXX XXXX, with a money order of {$85.00} in order to obtain the title in XXXX of 2020. Please see the attached response of the Florida XXXX collector response, note a typo of date, it should be XX/XX/XXXX, not XX/XX/XXXX. US Bank 's response is contradictory to the response of the XXXX collector XXXX in Florida.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent my letter off on XX/XX/XXXX. I was told the credit bureaus to investigate every piece of information, on the accounts I have listed below. Also I have attached the letter I sent out and here is the tracking number XXXX and XXXX. 

According to the FRCA the term investigated consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends or associates of the consumer reported on or with others with whom is acquainted or who may have knowledge concerning such items of information FRCA 15 USC 1681 everything has to be 100 % accurate. 

I NEVER Opened an account with XXXX XXXX XXXX XXXX on the reported date of XX/XX/XXXX and the balances are not reporting the same across credit bureaus. Also the reporting originator creditor name are not matching as well. According to Annualcreditreport.com the item is estimated to fall off of my report on XX/XX/XXXX Ive sent out 4 dispute letters over the course of 1 year and these issues has yet been resolved. 

*Account Open date is wrong * Original creditor name dont match across bureaus *Reporting balances does not match across bureaus Accounts XXXX XXXX XXXX Account number 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
Product: Credit reporting, credit repair services, or other personal consumer reports

At this time LEXIS NEXIS HAS not responded to my dispute in regards to LEXIS NEXIs REMOVING MY DATA INFORMATION including from third party credit bureaus, which includes XXXX, XXXX, XXXX. This company has also responded to a different claim other than my own also with a different name. The correct claim number is XXXX, as reflected in the attachment. I have no idea who XXXX XXXX IS, this is not me. My customer number is XXXX. Please respond and remove the data information that was sold to XXXX XXXX and XXXX.
Product: Debt collection

I contacted this company on numerous occasions asking them to validate the debt to which they have reported on my credit profile. However, I never received a response from the company. I went online and disputed the same account through the credit bureau to which they replied the account was mine. I will ask XXXX last time for a legal debt validation on this fraud account.Furthermore, in accordance with the XXXX XXXX XXXX XXXX XXXX ; XXXX # XXXX, I am asking for a copy of the contract which contractually binds me to this debt. The account # is XXXX. I have never made a debt with this company and never made a promise to pay anything regarding this company. I will not hesitate to contact a consumer attorney if these accounts are not deleted. I have been denied credit on XXXX occasions because of their unethical tactics to get me to pay a debt I do n't owe. I know that my rights have been violated. Please govern yourselves accordingly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent in a 30 day demand letter on verification of data furnisher reporting on my file and method of verification. I obtained a letter from the reporting data furnisher stating that they do not report information to the credit bureau reporting the information and the credit bureau sent a item verified letter from a reporting company that i had my files suppressed and froze via a certified letter from XXXX. see attached documents.
Product: Money transfer, virtual currency, or money service

My fianc and I are in the process of buying a home specifically we are XXXX days out from getting the keys. However, during this process and unknown of an exact date, a scammer was monitoring either the title companies or my realtors email. They sent an email on XXXX XX/XX/XXXX With details around what the next steps would be XXXX when and how we should deposit the money and with the notary guy coming to our house to sign the documents. They clearly had information and continued a with details around what the next steps would be XXXX when and how we should deposit the money and with the notary guy coming to our house to sign the documents. They clearly had information and continued a New email thread with spoofed email addresses From People helping in the escrow process including the escrow officer, realtor, and title officer. On XX/XX/XXXX at XXXX my fiance and i signed documentation with the notary person at our home and he provided us with instructions and the amount. When he left, we had different instructions in our email from our escrow officer XXXX, stating to disregard the notary info and go with the one they sent : Closing wiring instructions : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Beneficiary : XXXX XXXX XXXX. Account # : XXXX Routing # : XXXX Bank NAme : Truist Bank Bank Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, the real XXXX alled to inform me she stl haint received our fund XXXX. XXXX from my acount and XXXX from my fances account, to which we discovered it was a scam. We have reported to our banks and requested an urgent request of our funds. Our Banks XXXX and XXXX XXXX, have both said they started an investigation and will get back to us within XXXX to XXXX days. However, we immediately called Truist bank to let them know someone was fraudulently Accepting money from an account with their bank and asked them to look into the funds To freeze them. They told us they could not do anything to help us since we did not have an account with them. Upon looking more into this bank and continuing calling them for help, it appears this bank is known for fraudulent activity and does nothing to protect or recover consumer money.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to fair credit reporting act XXXX  account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A section 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: Debt collection

XXXX XXXX XXXX added an Collection account to my credit report. I never recieved any written noticed of this acct, I do not think its fair that a collection agency can report and they can not provide me with documents or application thats states my information and signature that the debt belongs to me. XXXX XXXX XXXX unfairly reporting on my credit report without verifying proof that the debt is rightfully mines.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good Afternoon, I am trying to get some assistance from the consumer finance department in this matter, I have been trying to get some help in clearing my credit score, as you can see i have a lot of hard inquiry, I have 8 inquiries in one day that is not possible. I called and customer service would not help and take care of the negative inquiries reporting to your credit report. I am hope your department will help me. Thank You for taking your time in reviewing this email, may you have a wonderful and blessed day. 

XXXX  XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX   Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

covid was the demise of our normal way of life. account was opened and payments were being made. then we got behind. During this time we learned that the presumed creditor uses the security agreement as a blank negotiable instrument. they take it to the XXXX XXXX XXXX and collateralize it. Meaning they use your signature to acquire the currency for the purchase + the interest. They pay the vendor for the intended security. IE like new lawn mower. Then they turn around and hold you to the security agreement getting paid for the whole amount again + interest and other. This particular one also has it listed in the credit reports as charged off in XXXX of XXXX. They never provided a 1099c to myself also they have it listed as having a past due balance while having done a charge off and at the same time as having already done a charge off they had another company collecting a smaller then normal payment from myself all the way into the middle of XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Phoned Trans Union to unfreeze my credit for a temporary time. I attempted to do it online then called because their system didnt recognize my name and password. I also attempted to set up a new account. No dice. So I called the first agent couldnt find my account to help and hung up on me. The second agent sent a temporary password and link but that didnt work either saying it didnt recognize me. The third agent finally connected me with a supervisor who manually removed my freeze. When I asked him how to fix my account so if, God forbid, I needed to do this in the future, he didnt give me any specific help on how to do this. He spoke in an unintelligible manner. This experience took 4 people on 3 calls and multiple attempts to use the online system. 

In contrast XXXX and XXXX took one login and about 3 minutes each.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX  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 : It also states a consumer reporting agency can not furnish without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act convergent accounts ; XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXXXXXX # XXXX, and Child Support Enforcement # XXXX have 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 states : Consumer Reporting Agency can not furnish an account without my written instruction. I need these accounts to be removed from my credit report.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX # XXXX
Product: Credit card or prepaid card

I have roughly 400k points ( worth $ 5000+ ) with American Express but I'm unable to transfer any points to airline miles. Transferring points to airline miles is one of the stated benefits of the American Express Platinum Card that I have. I am paying {$550.00} a year for this card and many others and I'm unable to use my benefits.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX XXXX I mailed in a dispute letter for XXXX XXXX # XXXX ( partial number listed on report ). TransUnion mailed me the results and the account was removed XXXX/XXXX/XXXX. Now, in XXXX the same creditor and same account is appearing on my credit report. TransUnion investigated and deleted so why did it reappear? And, with no notice!
Product: Credit card

The credit report from Barclays bank shows monthly payment missing. But the payment is all done accurately, and balance is 0. still in my credit report it shows payment missed and it is impacting my credit score. 
Barclays : 30 days late payment in XX/XX/2021. I am filing this complaint to get the payment missing reversed so that my credit score be improved
Product: Checking or savings account

My wife and I have an accounts with Marcus Goldman Sachs. We tried to open a joint CD and had difficulties opening it. After the process it was kind of disconcerting and we had found a better rate at another bank and since the representative told us that if we didn't fund the account it would just close. After this application Goldman Sachs locked us out of our account.
Product: Consumer Loan

I returned a lease vehicle to auto mall XXXX in XX/XX/2016 and I made monthly payments to Hann leasing. The lease was for 39 months and I drove the car about XXXX miles. I had a few scratches on the car. I expected to pay something for wear and tear but I received a notice XXXX months after the car was returned for {$2300.00}. I was charged {$1900.00} for paint labor and parts and they indicated I was in a collision?. The car I leased was a XXXX ultima. I would like to pay them a couple of XXXX dollars to conclude this matter. I have read stories on the net they attempt to rip off other consumers with over the top charges. They have an in house mechanic XXXX who is part of this fraudulent charges. My lease was XXXX per month and their charges just happen to be XXXX year of payments. I obtaine the lease thru XXXX XXXX and they obtained the loan for hann leasing.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX  I  called transunion to dispute a collection account on my report from   XXXX   XXXX   XXXX    XX/XX/XXXX . I have no contract with this agency and have requested previously via mail twice for proof of physical verification they used to verify the debt from Transunion and have not received any as of yet. In the meantime I have also requested physical verification from the collection company and informed them that they have no surety bond in the state of   Texas   making it illegal to attempt to collect any debt from me.  XXXX   XXXX   XXXX  who is operating out of the state of  Texas  has no active surety bond in the state of  Texas  where I have resided since  XX/XX/XXXX  making it illegal for them to do business in the state. According to Texas  Finance Code Section 392.101  requires that a third-party debt collector or credit bureau may not engage in debt collection unless the third-party debt collector or credit bureau has obtained a surety bond issued by a surety company authorized to do business in this state as prescribed by this section. A copy of the bond must be filed with the secretary of state. I was told by the representative that I spoke with that that was not a reason I could dispute the debt, but that I could dispute it due to erroneous information I have tried to settle this by disputing through the mail twice and making the call tonight to transunion to no avail. I am looking for this debt to be removed from my report because the debt collector is out of state and does not maintain an active bond in the state of  Texas  and is adversely affecting my credit profile. They have also not provided the method of verification of debt that I have signed with   XXXX    XXXX   XXXX   XXXX  any contract or owe   XXXX    XXXX   XXXX   XXXX  any debt.