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 XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 

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, credit repair services, or other personal consumer reports

This account was deleted from all of my credit reports 1 month ago. The old company sold it to a new company and now the new company has added a debt to my XXXX report. I submitted a dispute to XXXX.
Product: Credit card or prepaid card

My son has his paycheck direct deposited into my serve card account due to the fact that he owes me money and I am helping him learn to control his money. I received an email, which will be attached, from serve card stating that a check from XXXX XXXX of {$2000.00} was deposited today, XX/XX/2022 at XXXX pm. I received another email, also attached, at XXXX stating that my account has been permanently suspended because they believe there was activity that violates their terms of the Consumer User Agreement. I called and spoke to customer service and they would not give me any information as to why my account was suspended other than what is in the email. The only way they will give me any information was if I wrote to them. They refused to give me any access to my money. The representative just kept repeating what was in the email and then he hung up on me. I called back and spoke to another representative who let me explain what I was calling about and he told me to go to the website XXXX. He then said to have the depositor send a letter of indemnity but I'm unclear as to whether they send it to serve card or to XXXX.
Product: Debt collection

This company contacted me by mail stating that I owed a debt from XXXX in XX/XX/XXXX on XX/XX/XXXX. I have no knowledge of this debt & this debt isn't shown anywhere on my credit report. However back in XX/XX/XXXX- XX/XX/XXXX I did have XXXX XXXX that eventually ended up in collections but that was settled last year. I've sent letters to Pressler & Plessler LLC as well as the court. I've also asked them to send me valid proof of this debt in a letter via certified mail on XX/XX/XXXX & I haven't gotten a response from them until now. They sent me another letter recently stating wage garnishment but still haven't shown me the proof that I've requested.
Product: Debt collection

This debt showed up on my credit report on XXXX XXXX XXXX ... I never received a dunno letter. So I mailed out a letter on XXXX/XXXX/XXXX requesting debt validation that I owe this company ( sign contract ) ... I never received any information. I sent my second letter XXXX/XXXX/XXXX requesting the same information and have n't received anything. I disputed this thru the credit bureaus and was told the information was correct.
Product: Credit card

On XX/XX/XXXX I attempted to schedule an auto payment before my due date on XX/XX/XXXX, I tried to schedule the auto payment 3 times and got a message stating " We are sorry. We are experiencing technical difficulties at this time '' each time. 

Subsequently, I did not remember to make my payment until XX/XX/XXXX. 

I called Discover and spoke with 2 representatives requesting a refund of my late fee since their website was not functioning when I tried to make my payment. I was told my account was ineligible for a refund by 2 representatives. One told me a supervisor would be unable to make an exception. Another told me they don't have to give m e a copy of their policy because I don't work there. 

On XX/XX/XXXX, I am attempting to schedule an auto payment for XXXX and I am receiving the same message : " We are sorry. We are experiencing techical difficulties at this time. 

I believe this is a way for Discover to make additional profit unscrupulously. They should not charge customers due to their site functionality being down.
Product: Credit reporting, credit repair services, or other personal consumer reports

I notice multiple accounts showing on my credit report that I never opened nor authorized
Product: Debt collection

On XX/XX/22 I received a notice of garnishment from the court for a default judgment granted to XXXXXXXX XXXX XXXXXXXX for an American Express debt that I owed. I reached out to XXXXXXXX XXXX XXXX XXXXXXXX collections department for the stated purpose of VOLUNTARILY paying this debt in full in exchange for no longer pursuing garnishment against me. I spoke with XXXX XXXX and XXXX XXXX ( the latter of which conferred with the attorney for my case, XXXX XXXX, at length while I was on hold ). I was told that, although there was typically a 21 day holding period FOR CHECKS, that, per XXXX XXXXXXXX XXXX direct suggestion, a bank wire for {$12000.00} would likely alleviate that, but he would need to speak to the attorney to be sure. After a lot of back and forth between he and XXXX XXXX, he finally came back and told me that everything was squared away and that the garnishment would no longer be pursued. I called back Friday morning ( XXXX ), both to XXXX XXXX in collections as well as another individual in the legal department - both of which confirmed to me that my the wire was successfully executed and that there was no reason garnishment would be pursued and that the only further correspondence I would receive on this case was a satisfaction letter. What is relevant is that when I woke up this morning ( XXXX ) shocked to see that a garnishment was taken from my bank account! I got double-charged! I immediately called and talked to the legal department and was ultimately told that they had only TODAY began the process to notify the XXXX XXXX XXXX to release the garnishment. XXXX XXXX, on a recorded line, told me that this was NOT possible to do Thursday afternoon or Friday last week even after multiple individuals from XXXX informing me that the wire was successfully received. Meanwhile, I am out almost {$13000.00} dollars! Someone should be held responsible for this! And the court record should be rectified! No garnishment was necessary.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am formally filing a complaint for the following account listed on my credit reports for the following reasons : 1. USAA XXXX XXXX. a. Acct # : XXXX b. Last reported : XX/XX/21 There are several issues concerning these accounts that make them fraudulent and/or illegal. The first thing, is there is no signed application. The applications were submitted online and no one can provide me an original application with my original signature. The second thing is the credit card agreements were not clear and conspicuous, according to 15 USC 1601. I was not able to make an informed decision regarding the terms of the credit cards and their use. The companies make the agreement so long and difficult to understand, I was not able to make an informed decision. According to 15 USC 1602, since there was no evidence of indebtedness at the onset, the difficult to understand agreement was the only document attempting to explain the terms of these consumer credit transactions. Therefore the only evidence of indebtedness was the agreement. The agreement did not provide clear and conspicuous " Adequate notice '' as defined in 15 USC 1602 ( k ). Since I was not able to make an informed decision, the agreement is null and void.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a year 's free Experian account in XXXX as a courtesy during a well-publicized hack that affected me. I went to check my credit report and signed in, thinking I'd be able to see my credit score for free. This was on XX/XX/XXXX. The page asked for me to update my credit card, I thought for security. On XX/XX/XXXX I received an email saying that my card could not be processed, so I considered the matter of me signing in for a 1-time credit score solved. 

Then I went on vacation, and went to check my account after returning -- I had been charged {$24.00} twice, once on XX/XX/XXXX and again on XX/XX/XXXX, neither time receiving a receipt for the transaction. I was a little confused, and so signed on and saw that the company advertises -- in its support FAQ section -- a " money back guarantee '' for credit monitoring services, saying that these were refundable. 

When I called the Experian help line today, XX/XX/XXXX, I was told that these were NOT refundable but bound by terms and conditions -- why advertise a money back guarantee at all?! I escalated to second level support and received one refund of  {$24.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report, and I am finding debt that I have no knowledge of and I would like the creditor to remove from my credit report as it is making it hard for me to purchase a new home. The following are listed, and I am asking to be removed immediately : 1. XXXX XXXX XXXX XXXX {$190.00} XX/XX/XXXX 2. XXXX XXXX XXXX CO {$310.00} XX/XX/XXXX 3. XXXX XXXX XXXX  XXXX XXXX {$470.00} XX/XX/XXXX 4. XXXX  {$250.00} XX/XX/XXXX 5. 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

I check my credit report very regularly and today I noticed that there were a number of inquires that are duplicated and are showing on my report that were not previously there on my report. I called the customer service number for Trans union and I was told that the computer must of had a glitch but they did not provide any resolution to get it resolved or corrected.
I would like to have my inquiry section updated to show the correct number of hard inquires.
Product: Payday loan, title loan, or personal loan

I took out a personal loan through Onemain financial. After going down to the office and reviewing the terms of decided to hold off on taking out the loan. The hold up was the fact that I just started a new job a couple months prior. The paperwork I signed clearly showed i was n't at that job more than a couple months. The sales agent sold me on a unemployment insurance policy. The policy was supposed to pay if I lost my job for reasons out of my control. 8 months later I lost my job but received unemployment from the state. Unemployment sent me paperwork proving I lost my job for reasons that qualify under the insurance policy but the insurance was rejected due to not being at my job long enough prior to taking out the loan. Turns out I needed to be employed by my then current employer for 1 year prior to taking out the insurance. The sales agent never made me aware of this and the proof is he sold me the insurance. Onemain was quick to blame me for thinking I was covered by the insurance i paid for but has refused any option to fix the situation. They started calling me with highly aggressive collection tactics. Calling and hanging on the machine but then calling right back and leaving 4-5 messages a week even multiple on the same day. This started after the insurance company made it 's decision then OneMain quickly sold the debt. After a quick search online I 'm seeing other stories of sales staff not being honest with consumers and illegal collection tactics. I have all voicemails saved and pictures of the caller ID showing they just kept the phone ringing.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, Specialized Loan Servicing  Reported my mortgage as " closed at Consumers Request ''. My mortage is current and I did not request the account to be closed. This company continues to retaliated against me by reporting erroneous information to my credit file. Please see attached supporting documentation which includes a copy of my XXXX  Credit file and my account status with SLS as of today ( XX/XX/XXXX ).
Product: Credit reporting or other personal consumer reports

I have made several attempts to dispute the presence of these accounts on my credit report, as they do not pertain to me. Despite my efforts, these disputed accounts continue to be reflected in my credit history. Additionally, I have filed multiple FTC reports concerning these erroneous accounts. 

These companies have declined to address these disputes, even though they are legally obligated to do so. 

Account Name :XX/XX/XXXX Account Number : XXXX Account Name : XXXX XXXX XX/XX/XXXXAccount Number : XXXX
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Please remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XX/XX/XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$38000.00} XXXX XXXX XXXXXXXX Balance : {$5900.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance XXXX {$2100.00} XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX Balance : {$3900.00} XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

The following incorrect, previously removed, address information has reappeared on Report # XXXX dated XX/XX/21 : Incorrect Addresses : XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX, XXXX, NJ XXXX XXXX XXXX CT, XXXX, XXXX, NJ XXXX XXXX XXXX XXXX, XXXX, NJ XXXX XXXX XXXX Ct, XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX Correct Address : XXXX XXXX XXXX, XXXX, TX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second-time requesting that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$7400.00} XXXX XXXX  XXXX Balance : {$16000.00} XXXX XXXX  XXXX Balance : {$4000.00} XXXX  XXXX Balance : {$9100.00}
Product: Checking or savings account

On XX/XX/2022 I received an email confirming my new bank account through Wells Fargo in XXXX  XXXX, Ok. This was followed by 3 more emails giving confirmation number, access code for login, documents for download, all of this without any of my knowledge or consent. I immediately looked to see if their contact information was accurate and this wasnt a scam and it was accurate and reported it to their fraud department. They have placed a freeze on the account for a 45 day review after I have accurately given them my information and told them I wanted the account shut down immediately and all information sent to me so I can report it to authorities. They told me I will receive correspondence in the mail after an investigation in 45 days.
Product: Credit card or prepaid card

THERE IS A ACTIVE DISPUTE ON A CHARGE FROM XXXX XXXX  IN XXXX XXXX  XXXX TX. 
I CALL THE BANK AND SHARED WITH THEM WHAT HAPPEN. 
THEY SAID CONTACT THE MERCHANT SO I DID. 
I ALSO FILED A COMPLAINT WITH THE CORP HEADQUARTERS FOR THE RESTAURANT. 
I HAVE HEAD NOTHING BUT HARD TIMES DUE TO THIS ON GOING ISSUE. 
MY CARD WAS CANCELED AND THEY REISSUED ANOTHER CARD WITH OUT TELLING ME THIS WAS HAPPENING. 
I LIVE OFF MY CREDIT CARDS AND THESE PEOPLE KNOW THIS AS THEY CAN SEE THE USAGE. 
XXXX IS THE MANAGER I SPOKE TO TODAY AS I HAD THE CALL ESCALATED. 
I WAS ANGRY AS I AM TRYING TO GIVE THEM THE PROOF THEY NEED FOR THE COMMUNICATION WITH XXXX. 
I WAS NOT ABLE TO LOAD TO THE MESSAGE CENTER.. 
TO HAVE A MANAGER HANG UP IN MY FACE IS BS! I AM CALLING FOR HELP AND TO FIND ANOTHER WAY I CAN FORWARD THE EMAIL OR SEND THE PROOF OR GO TO THE BANK IT SELF AS I WAS TOLD IT WAS OPEN. 1 HOUR TO DRIVE THERE AND ITS CLOSED! 
I HAVE AND DONE ALL IN MY ABILITY TO MAKE THING RIGHT AND GET YOU WHAT THEY NEED BUT ALL I CAN SAY IS I AM HUNG UP ON BY THE MANAGER. 
TIME OF THE CALL CENTRL TIME XXXX
Product: Credit card

accounts open with out my knowledge enclosed is my Identity Theft Report XXXX  XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XX/XX/XXXX XXXX XXXX  XXXX  XX/XX/XXXX {$7.00}
Product: Credit reporting or other personal consumer reports

In accordance with the FCRA, everything has to be 100 % accurate on my credit report. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 
I have filed disputes in writing and electronically via XXXX XXXX and Equifax 's Dispute Center. To remove an old account. The account has been closed for 10 YEARS. Equifax refuses to remove a XXXX XXXX XXXX XXXX account. According to their own website ( EQUIFAX.COM ) closed accounts stay on credit reports for 7 years. The account for XXXX XXXX XXXX XXXX has been closed for 10 years. The website allows me to read info but no longer allows me to actually file another dispute regarding a 10 year old account. I have also contacted XXXX XXXX XXXX XXXX directly. 

I filed complaint # XXXX with CFPB on XX/XX/year>. Regarding this issue. Instead if Equifax removing a 10 year old account, EQUIFAX filed a fraud claim with XXXX XXXX XXXX XXXX. I NEVER claimed the AUTO FINANCE account was due to fraud. The account for a XXXX XXXX CREDIT CARD was due to fraud. that issue has already been resolved. 

I received a letter from XXXX XXXX XXXX XXXX stating they investigated a fraud claim. I NEVER claimed the AUTO FINANCE account was due to fraud. I left a message with XXXX XXXXFraud Specialist at XXXX XXXX XXXX XXXX 'Risk Management Dept letting him know that I am not disputing the account. I told them that is it to old to be on my credit report. 
Equifax does not read anything that is sent to them.The account for a XXXX XXXX credit was due to fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a formal complaint that TRANSUNION, LLC has violated my rights under the FAIR CREDIT REPORTING ACT Under the FCRA, when a consumer disputes the accuracy of information in their credit report, the credit reporting agency is required to conduct a reasonable investigation into the dispute. As part of the investigation, the CRA must provide the consumer with a written description of the results of the investigation and a notice of the consumer 's right to request a description of the procedure used to determine the accuracy and completeness of the information. 
If the consumer requests a description of the method used to verify the accuracy of the information, the CRA is required to provide the consumer with a description of the method used, including the sources of the information, within 15 days of receiving the request. 
TransUnion failed to provide me with the proper documents in response to my method of verification request, this is a violation of the FCRA. For example, TransUnion did not provide me with a written description of the results of the investigation. the law clearly states CRAs must go beyond simply contacting the source of the information being furnished and must take additional steps to investigate the accuracy of the disputed information. This requirement is intended to ensure that credit reports are as accurate as possible and that consumers have a fair and reasonable process for disputing inaccurate information in their credit reports. 
Similarly, TransUnion did not provide me with a description of the method used to verify the accuracy of the information or did not provide the proper sources of the information, which is also a violation of the FCRA. I feel my only option is to seek legal recourse under the FCRA and seek damages to have the inaccurate information corrected or removed from my credit report. TRANSUNION is in violation of 15 USC 1681i ( a ) ( 7 ) 1681 ( 6 ) ( B ) ( iii ) procedure in case of disputed accuracy. 1692j false and deceptive forms. 15 USC 1681 ( a ) ( 4 ) consumer has a right to privacy. 1681b ( a ) ( 2 ) consumer agencies need written instructions without it fraud is being committed. I demand that you delete these accounts immediately XXXX XXXX XXXX XXXX US DEPT OF EDU XXXX XXXX XXXX XXXX XXXX XXXX Exhibit A- is my request for the method of verification including the details of what i specifically asked for and am due by law with the certified return receipt as proof of delivery Exhibit B - is the response by transunion to my method of verification request i did not receive anything i asked for in my letter only a generic response. the law clearly states you must go beyond the furnisher of the information so who did you contact? i asked for details.
Product: Checking or savings account

I closed my US accounts with HSBC bank after they announced they were exiting the US market and selling their business to another bank. I transferred my money to a different bank of my choice. Subsequently, HSBC is charging a monthly maintenance fee and are now trying to collect it as a debt!!!
Product: Debt collection

I received a motion to transfer letter from XXXX, XXXX, XXXX XXXX XXXX XXXX on or about XXXX XXXX regarding a hearing for such request on XXXX XXXX. On XXXX XXXX I contacted XXXX, XXXX, XXXX XXXX XXXX XXXX regarding the letter - to get additional information as to what this letter was and what it was in regards to. I was told that a judgement has been entered and I could settle. I told the representative that this was the first letter received from their firm and ask would they accept a flat settlement and what was the amount due. The representative told me I or someone at my home had been served - this is false. I did not receive a summons or any other correspondence from this firm or the collections agency they state they represent - Midland Funding LLC. This letter regarding motion for transfer is the first correspondence received from XXXX, XXXX, XXXX XXXX XXXX XXXX at my address. The representative attempted to contest this and stated either way I would be responsible for the original debt and court cost and would need to pay such to vacate the judgement. 

I 'm left with - no verification of the debt, no verification as to whether this debt is truthfully even actionable against me in court, and minimal recourse other than to pay up front.