23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, 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 U.S.C 1681. ACCT Name : XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXXXXXXXXXX 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: Credit reporting or other personal consumer reports

I have some accounts on my file that are not accurate. I do not have any balances or business with the following companies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX I HAVE FILED A COMPLIANT WITH CFPB and the FTC.
Product: Credit card or prepaid card

On XXXX, {$250.00} was taken out of my direct express account, I didnt notice it until XXXX when I checked my account to pay a bill, I called direct express , put a claim in, and a lady called and said her name is XXXX XXXX and that she was the navigator on my complaint! After researching, XXXX called me and asked do I know anyone at XXXX XXXX. Here in XXXX Florida. And I told her that it shouldnt be no other address connected to my account, I asked her what was going on, she said she couldnt not tell me, I said you mean this is my account and you cant tell me whats wrong. After XXXX did some more research, she gave me a check number, and said in 5, to 7 days I will receive my money back. The check number, XXXX, after two weeks, I called back no one seems to know where my money is, I have talked to so many people, I was told to called coamerica bank, they are the owner of direct express debit card. I called and talked to XXXX, she told me that my local branch requested the money and put a code XXXX, which was untrue, I went to social security office, and they didnt request anything, I had an appointment. If anything social security would have said something then, called direct express back, it is so much to this that I cant put everything on here, XXXX XXXX and my granddaughter is helping me I dont know too much about this on line thing, please help me get my money back, XXXX XXXX .
Product: Credit reporting or other personal consumer reports

I am stressed and displeased that I see so many fraudulent accounts on my credit report. 
This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in a Experian & XXXX breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected.This is a defamation to my character and this is a federal law violation. 
According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now.

Also, it is illegal these companies should NOT be furnisher peoples information to 3rd party companies so this is illegal, neglect, and fraud. I have already reported this to the local police department and the Federal Trade Commission. These companies and the credit bureaus can be can get sued for these damages. This is negatively affecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items arent removed immediately
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I disputed XXXX finance account with Transunion, asserting that the information being reported was inaccurate as it is not my account. Despite my request, Transunion failed to conduct a reasonable investigation as required under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, and failed to ensure that the information reported on my credit file was accurate as required by 15 U.S.C. 1681e ( b ). 

XXXX XXXX XXXX Under the FCRA : 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) : Credit reporting agencies are required to conduct a reasonable investigation of disputed items within 30 days of receiving a dispute.

15 U.S.C. 1681e ( b ) : Consumer reporting agencies must follow reasonable procedures to assure maximum possible accuracy of the information in credit reports.

15 U.S.C. 1681c ( a ) ( 5 ) : If disputed information can not be verified, it must be removed from the consumers credit file promptly.

Transunions Violation Transunions failure to adequately verify the Exeter account violates these provisions of the FCRA. Despite my dispute, Transunion has continued to report the INACCUARATE information, which suggests that no reasonable investigation was conducted. This failure to act in accordance with the law is unacceptable. 
The presence of this inaccurate information on my credit report has caused significant harm to my financial stability and personal life, including : Adverse credit decisions : Denials or higher interest rates for loans, credit cards, and other financial opportunities. 
XXXX XXXX XXXX XXXX XXXX XXXX  a loss of trust in credit reporting systems. 
Financial harm : Missed opportunities for lower interest rates on financial products, which has unnecessarily increased my financial burden. I have attached my license, my ID, a bill, my police report AND my identity theft report
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report, please remove/block any items listed on my credit report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct or delete the following items : 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

There are Two Fraudulent Accounts on my report I do not recognize
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XX/XX/XXXX payment status shows charged-off but still shows balance of {$960.00} and a past due of {$960.00} which is not suppose to. 

XXXX - did not record or has no record of this account XXXX  - high credit/credit limit is reported {$0.00} last reported date is XX/XX/XXXX payment status Collection/Chargeoff - Date of Last Payment there's no record found Equifax - high credit is reported {$870.00} and credit limit is reported {$0.00} last reported was XX/XX/XXXX payment status Late 120 Days- Date of Last Payment XX/XX/XXXX Improper/Incorrect misinformation has been reported.
Product: Debt collection

REMEX INC are violating my private rights as a consumer by reporting inaccurate information on my consumer report. I did not give them my consent to contact me nor state I owe any alleged debts. REMEX INC are using obscene and profane language as well as defaming my character with this alleged debt. I am enforcing my rights, for the damages caused by REMEX INC pursuant to 15 USC 1692k civil liability.
Product: Credit reporting or other personal consumer reports

I have disputed this account and they still have not been reviewed or investigated correctly, nor have they been updated to correctly show they are in dispute. This is a major violation to my investigation rights under the FCRA. I have attached explanation of inaccuracies and screenshots of the most recent credit report. Since you can not investigate properly and choose to ignore the inaccuracies and inconsistencies I will point them out for you. 

1. I AM NOT disputing ownership. Please do not mark as verified by stating we verified the account is yours. PROPERLY INVESTIGATE the validity of the INFORMATION BEING REPORTED of this account as its is not reporting consistently across bureaus and are showing different information on each bureau. 

This is was last disputed on XX/XX/23 & it is not currently showing a last verified date. It is showing not in dispute. It is also reporting inaccurate late payment across bureaus as they are all showing different information for late payments. This is inaccurate reporting across the board. On XXXX, there is no payment history reported. On Equifax it is showing 4 90 day late payments, and XXXX is showing 9 90 day late payments. This is INACCURATE REPORTING! Please remove account as it has been disputed without resolution.
Product: Credit card or prepaid card

You responded to my prior complaint finally. Now why would I want only  XXXX  card assisted with? Why did I give enough info for  XXXX  account to be reaged but not the other? You bank does n't help and does n't make sense. The same info was provided for both accounts and I HAVE given you all my financial information. Pull the earlier calls then. I 'm going to blast this everywhere on social media. You are saying I have enough to rage  XXXX  account but not another. Unfair and discriminatory. Your bank acts like I 'm trying not to pay my bill at all. That 's not what 's happening.
Product: Credit reporting or other personal consumer reports

I disputed charges with all 3 credit companies and submitted my proof of identity theft Report from the IRS to these companies i was advised my disputes would take 30 -45 days to be resolved and removed its been 6 months now and I'm receiving calls from these collections agencies stating that I owe them money for a credit card I closed out months prior I told them to send me proof of an existing contract that I had with them i asked were they apart the credit card company i made the contract with the said no we are a collections agencies trying to settle my debt with my old credit card company i ask were they on united state soil they said no so I advised them of my status of my citizenship and told them that this fraud for them to try and collect a debt from me I also advised them that the credit card company that sold or gave them my information without my consent is in breach of our contract for selling my in formation just committed fraud Companies involved FORTIVA, XXXX XXXX XXXX  all breach my personal information
Product: Credit reporting or other personal consumer reports

Filed disputes with XXXX, Equifax, XXXX and XXXX XXXX XXXX asking them to provide proof of ownership and to remove from my credit report until they could provide proof. also stated that the loan has already been paid off by the principal. also stated they had no consent to add it to my credit report and for it to be removed immediately. Also stated they were violating the fcdpa act.
Product: Student loan

I was originally in school to get a XXXX XXXX, during that time, my loans were on hold. Then eventually I graduated in XX/XX/XXXX. Soon after Discover student loans contacted me to start payments. I informed them I wasnt making enough money to pay the amount they were requesting. They put me on a lower payment plan, however, I was still unable to make those payments. I started a new job in XX/XX/XXXX which required me to relocate to Virginia. During that time relocating I had to pay all expenses etc. I then received an email Indicating that my loans will be in default. I immediately contacted them and paid {$380.00}. This payment was issued in XXXX. I woke up last week to the news that my loans were charged off. I tried calling them to negotiate or figure out anything I can do. They indicated once a loan is charged off the entire balance is owed. I only make about {$58000.00} a year. With all of my expenses including rent utilities and food I can not afford the amount theyre asking me to pay. I tried everything and there seems to be nothing I can do. I called them again today and was told calling every day will not change the outcome. It will remain the same. I am frustrated, sad, worried, feeling overwhelmed, and feeling like theres no way out even through XXXX. This is one of my last resort As I am not sure what else I can do. Trying to refinance is also impossible because of how they have affected my credit.
Product: Debt collection

I received an income execution for a vacated court order, on a balance that was previously satisfied with the same collection agency XXXX years ago. 

I want this collection agency held accountable for violating my rights. As this company has attempted to collect a debt that they knowingly knew was not outstanding. 

It is documented on the letter head from the same exact collection agency XX/XX/XXXX. In the letter it is noted that the debt was satisfied and there would be no further collection action. 

XXXX years later this same collection agency initiated collection action by using their relationship with the XXXX XXXX XXXX XXXX to obtain an income execution on a judgement that was vacated. 

This situation has caused me undo XXXX XXXX and XXXX  ; XXXX XXXX  and most importantly XXXX. 

This collection agency tried to become a creditor on my bankruptcy that was filed in XXXX and they had to be told again, that the balance was satisfied. 

This collection agency has been and continue to be unscrupulous in its collection process and I am tired of fighting their never ending collection efforts. 

This has becoming a collections nightmare.
Product: Debt collection

I Have identified information in my consumer credit report/ file that is a result of identity theft. These items are not related to any consumer transaction completed or initiated by me the consumer. Please have them removed immediately.
Product: Credit reporting or other personal consumer reports

I have received a copy on my consumer reports and I notice Experian, XXXX, and XXXX have furnished transactions on my consumer report that is excluded by law as per the FCRA 15 USC 1681a 2Ai.

( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( 3 ) The ( 3 ) Bureau above have furnished Late payments From ( XXXX through XXXX XXXX XXXX and XXXX XXXX XXXX 
Im requesting the above transactions be reversed to paid as agreed or to OK.
Product: Money transfer, virtual currency, or money service

We are a company that does engineering work abroad in XXXX and we do business in XXXX. 

Until XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX was used for money transfers to XXXX. However, as of XX/XX/XXXX, XXXXXXXX XXXX announced that it will not send swift for money transfers to XXXX. 

After this decision by XXXXXXXX XXXX banks located in XXXX started working with new intermediary banks. However, Citibank, are still working with XXXXXXXX XXXX. This bank have not made this update in their own swift system and they are acting extremely irresponsibly. 

Despite this, transfers made through XXXXXXXX XXXXk are not transmitted to the other party by XXXXXXXX XXXX And we, as a company, are extremely victimized. We can not pay our employees ' salaries due to this irresponsible behavior of CITIBANK. 

For this reason, They need to update the intermediary bank for transfers made to XXXX immediately. Otherwise, a criminal complaint will be filed with the New York prosecutor 's office against CITIBAN for causing victimization and irresponsible behavior.
Product: Debt collection

NAVY FEERAL CREIDT UNION has create. A DOUBLE ENTRY CREATING A " PLEDGEMENT ARRANGEMENT " and of my asset. Thus taking my PROCEEDS OFF THEIR BOOKS FOR PROFIT. my POSSESSION has not been abandon, a debt has incurred from the extension of MY CREDIT, INITIATING A CREDIT SALE TO NFCU. I have been denied the right and under XXXX of law to dispute the Billing Error on my account pursuant to 12 car 1026 e and f. There are proceeds due and interest to be transferred to my principal balance. Any payment or request there of an obligation is PAYABLE TO THE United States, as it is BANKRUPT. I XXXX the living woman, have INVOKED NFCU AS THE COLLECTION AGENT. As I am the holder in due course. nothing is owed.. I Gave value and consideration and extended my credit... SETTING UP MY TRANSITION AS A VOLUNTARY TRANSFER OF TITLE TO MY PROCEEDS IN NFCU FAVOR WHILE XXXX 'S ESTATE IS THE XXXX. NFCU HAS NO INTEREST IN MY POSSESSION AT THIS TIME. ALL POA HAS BEEN RELIEVED
Product: Credit reporting, credit repair services, or other personal consumer reports

To XXXX, XXXX Thank you for replying ( via CFBP dated XX/XX/2018 ) regarding my query regarding my two student loan accounts ( abovementioned ). This letter serves to provide clarification to your responses on XX/XX/2018, XX/XX/2018, as well as the latest letter dated XX/XX/2018. Please note that that this is not a refusal to pay off the account, but a notice sent as per the Fair Debt Collection practices Act, 15 USC 1692g Sec. 809 ( b ). The notice states that your claim is disputed and validation of the account is required. 
Your correspondence on XX/XX/2018 and XX/XX/2018 did not include a copy of the application, promissory note, nor disclosure statement as stated. Until the student loan accounts are disputed and validated, reporting account information to any of the three main  Credit Bureau 's such as XXXX, will be regarded as a fraudulent action under both the federal and state laws. Due to this reason, if any negative item is reported to any of my credit reports by your company that you represent, then I will be compelled to take legal steps against you for the below mentioned reasons : * Violation of the FCRA * Violation of the FDCPA * Defamation of character Moreover, your letter on XX/XX/2018 merely stated that you/your company have reviewed my student loan accounts in connection to the CFPB vs XXXX, XXXX Consent Order but make no mention of XXXX redress plan, final resolution, or restitutions as required per CFPB. 
In summary, XXXX requesting copies of BOTH, a full debt validation as well as the redress plan, final resolution, and restitution as per the CFPB vs XXXX, XXXX Consent Order.
Product: Consumer Loan

At the time of purchase of the vehicle XXXX XXXX lead us to believe that XXXX XXXX my daughter was the head of contract and I XXXX XXXX will be the Co Signer, Later to find out he switched the info the other way around. Also later after we have retrieved the vehicle I learned that the vehicle was never smoged and the car was not all the way registred through the DMV because it has not been smogged. It is illegal to sale a car from a car lot with a certfied smog. I notfied XXXX that the check engine light was on and that the car was leaking from the coolant reservoir tank. He had paid a smog place XXXX dollars for am illegal smog. The address of the smog place he went to is XXXX XXXX XXXX XXXX XXXX, CA XXXX. He has been sending Text messages from his cell phone XXXX stating Lets hack this situation, I 'll will send you the bill of sale and in the bottom youll read i appoint XXXX as my power attorney to finish all documents in this manner. I 'll email it soon. Im protecting myself from legal issues. Also the dealership is not on a lot. It is a house that he live in with his wife and XXXX dogs and a horse. XXXX has lied to me and the financial company, He is not operating a real legit business. I feel I do not owe Lobel Financial XXXX XXXX does. He lied to them as well as me and they released funds to XXXX XXXX owner of XXXX XXXX XXXX, XXXX that he used to get married. I put XXXX down for the vehicle. I want my money back I put down on the vehicle an the money I have to spend for repairs for the vehicle can pass smog.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate these reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX Account Number : XXXX Balance : {$220.00}
Product: Checking or savings account

On XX/XX/2024, I have discovered that my electronic payments are not going through and after contacting Chase bank via phone, I was informed that my checking account ( XXXX ), my savings account ( XXXX ), and my XXXX XXXX credit card account ( with accumulated points ) are closed without advance notice. After visiting Chase bank branch in XXXX XXXX XXXX, California twice, which including meeting with the branch XXXX, I was told that Chase will not provide the reason for closing the account and the " decision was made in back office '' and the reason would not be provided/disclosed. I have objected the closing of my accounts, especially I have a transparent lifestyle, have a good relationship history with financial organizations, and pay the taxes : I have the right to know why my accounts were closed ( savings, checking, and credit card ), especially without given notice, that lead to payment issues. I have indicated that I have the right to know the reason for closure and not to speculate if the account was closed for any discriminatory reasons. This experience left a very heavy moral impact on me. Also, the accounts closures are negatively impacting my credit score and the bank does not recognize the responsibility and accountability for such action.
Product: Debt collection

Synchrony Bank, a debt collector for my Amazon.com Store card, initates calls outside of the XXXX - XXXX time frame, specifically on the weekends. I receive called on the weekends. I receive 4-5 calls daily.