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

The credit bureau is reporting a public record ( Bankruptcy ) that is inaccurate. After disputing this credit bureau reported that it is a valid item and will not be deleted. This company uses XXXX as a third-party provider, therefore they have not verified the information with the actual court. XXXX just like any other bureau is bound to report incorrect information. 

Furthermore, XXXX which is a third-party data provider for this credit bureau reports on public records , however when I asked XXXX how they verify protected public information on public records due to ss # redaction and certain sensitive personal information that is redacted they advised me that they sometimes try to match information by name or address which can be incorrect at times. So this information is not fully verifiable unless the credit bureau calls the bankruptcy court to verify, which again the court will redact information and is not allowed to share " personal information, such as socials by law ''. 

I attempted to fix this by calling the bankruptcy court listed on the public record " XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone : ( XXXX ) XXXX '' and was advised that they do not report to any credit bureau and therefore they can't fix any error reported by XXXX, XXXX, Equifax, and or XXXX.
Product: Credit card

I made a {$140.00} purchase from XXXXXXXX XXXX XXXX XXXX XXXX 
I returned due to incorrect item and received the same item back. 
XXXX from their customer service offered full refund upon receipt of returned item I returned the item on XX/XX/XXXX but did not receive a refund. The tracking number shows they received the item on XX/XX/XXXX. I filed a dispute with Citibank and they gave me a provisional credit. I was updated of the status of my dispute by mail. On XX/XX/XXXX I go to my account and notice they are re charged me {$140.00} as they had closed the dispute, there was a letter in my account stating this. I emailed them and send copies of the tracking info and email from XXXX. I called Citibank today because I had not heard from them, I spoke to XXXX who offered me {$100.00} to close the dispute, I said I wanted the entire amount. He gave me to supervisor XXXX who said I waited too long to respond to their letter ( again, letter was not mailed like previous letters, it was only posted in my account. He then gave me to XXXX who stated he was a " high level '' supervisor and told me the same thing. I complained and he said he would " ask '' the investigators if they would let me continue with the dispute.
Product: Money transfer, virtual currency, or money service

On XX/XX/2020 I sent XXXX udst tether to coinbase. My money is now being held and coinbase is refusing to release my funds.Tether has emailed me to say they are capable of helping recover my funds but coinbase refuses to cooperate. I cant see my funds sitting on the wallet on my coinbase account.I havent received any communication despite sending several emails. This was my entire life savings and I cant stress enough how this has effected my mental health.
Product: Consumer Loan

i had a loan from texas auto brokersthen they sold the loan to mid atlantic finance companythen i get a call from XXXX that they have my loan, and can not reach mid atlanticso who do i send the next payment to? im kinda sick of gettin the runaround here and just want a definitive answer.
Product: Credit reporting, credit repair services, or other personal consumer reports

A hard inquiry credit check was performed through Experian as requested by XXXX XXXX XXXX on XX/XX/2021. This was not authorized by me. My identity monitoring service notified me of this activity, therefore I believe I may be the victim of identity fraud. 
I tried contacting XXXX XXXX XXXX directly, but this is not possible without having an account with them. I have alerted all 3 credit bureaus and am currently completing remediation steps.
Product: Mortgage

We finished signing all the final loan documents for refinancing and believed everything was done. We were told a few days later that they made a mistake with some of the disclosures that needed to be signed because the law changed 2 months prior, so we were told we needed to resign. Then were told that because of their mistake we would need a rate extension and they would not honor our lenders credit ( {$980.00} ). This company has been such a pain to deal with. They wait to the last minute to close, it was very hard to get a hold of our lending agent and never kept us informed. Watermark Capital should n't be a licensed mortgage company if they do n't know how to comply with laws and honor their good faith estimate. We should n't have to pay for their mistake.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion forces you to input card info during account creation. I assumed card info was for verification purposes, like the post office does for mail forwarding. There is no mention of a charge or service to be rendered, and if there is it has no prominence. They charged me XXXX . This is so deceptive and unbecoming of a company that operates under FACTA. They are scamming consumers and charging them. Theyve paid restitution in the past for these practices and continue to receive complaints.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent credit cards opened, various credit cardss opened, Fraudulent address. Incorrect information being reported
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | presume that no proof of the alleged debt. Nor therefore any such debt in fact exists. ( Please remove this account before I seek Litigation for defamation of character ). 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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On going issue with closed accounts. Reporting on my credit profile. The information was pulled from consumer reporting agencies- XXXX - TransUnion - XXXX - these accs are fraudulent closed accs- I filed a complaint and fraud report with federal trade commission- and my states attorney office regarding thees matters- please remove the filling accs - XXXX XXXX -acc # XXXX XXXX XXXX -acc # XXXX XXXX XXXX -acc # XXXX Please note that these accs was tied to my adress and email - details are enclosed with the documents attached
Product: Checking or savings account

Showed my bank proof of payment and delivery not being delivered. Pnc bank still refused to submit a refund or reach out to merchant. This is the second time I've had to do this in the last year, pnc bank doesn't thoroughly investigate.
Product: Credit reporting or other personal consumer reports

As a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. At this time I would like to prepare a final appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent, incorrect and unverifiable collection Items that are keeping to be established as correct. Be sure to generate me with a duplicate of the agreement signed or voice interaction where I permitted charging me regarding this 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 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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am sending this message in regard to the problems i see listed on my credit report. 
Personal Information : XXXX XXXX is correct. XXXX XXXX & XXXX XXXX is reported in correctly. Address : All the address listed on my credit report is incorrect XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX, all accounts listed under this address i am unaware of and is fraudulent. I have sent several certified letters over to dispute this claim in a professional matter and you haven't responded since 2017. I was affected by several breaches over the year and i am a victim of identity theft. You have violated my rights as a consumer. This is my final notice and message to inform you of litigations. I am forced to take this matter to court along with all evidence and paper trail work. You have violated my rights as a consumer in the FCRA section The Fair Debt Collection Practices Act ( FDCPA ). re-aging an account by updating the false date of last activity on my credit report in the hopes of keeping negative information on my account longer, i can sue you for violating FCRA Section 605, which carries a fine of {$1000.00} per violation.FRADULENT ACCOUNTS : 1. XXXX XXXX XXXX   {$10000.00} 2. XXXX XXXX 3. XXXX XXXX XXXX XXXX XXXX 4. XXXX XXXX {$15000.00} 5. XXXX XXXX {$12000.00} 6. XXXX XXXX XXXX 7. XXXX XXXX XXXX 8. XXXX CXXXX FRADULENT INQUIRIES : XXXX 2.  XXXX XXXX 3. XXXX 4. XXXX BXXXX XXXX XXXX 5. XXXX XXXX 6. XXXX XXXX XXXX 7.  XXXX XXXX 8. XXXX 9.XXXX XXXX 10. XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently pulled my reports and noticed you are reporting the incorrect account name for this account ( XXXX XXXX XXXX XXXXXXXX XXXX ). Because the account name being reported by your company and XXXX are different ( XXXXXXXX XXXX  XXXX - XXXX )., this means the account has not been properly verified. Please delete this account immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/21 send police report of Identity theft to company, company received on XX/XX/21. Company responded the fraudulent accounts were verified on XX/XX/21. On XX/XX/21 I requested all the information that would support the verification of the fraud accounts have not received any response from company.
Product: Credit reporting, credit repair services, or other personal consumer reports

This credit reporting agency has been furnishing unverified information on my report causing me to experience denials of extension of credit. 
I have not verified or approved ANY of the information that is being displayed through their agency. I would consider that fraud!
Product: Credit reporting or other personal consumer reports

It is not belong to me. It is fraud! This is causing me a lot of stress and XXXX
Product: Credit reporting or other personal consumer reports

Upon reviewing my TransUnion credit report, I have identified unauthorized inquiries. I kindly request the deletion and blocking of these items that do not belong to me within the next 5 business days.
Product: Debt collection

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX
Product: Consumer Loan

I bought a used XX/XX/2009 XXXX from Car Max dealership about a year or so ago. It had car problems from the beginning which I complained about, but they would not make it right. From the beginning it kept leaking oil and had other problems. Even though the car had been in an accident before I bought it, Car Max represented it in fine condition with a " XXXX point check maintenance before sold to me.I took it to a XXXX XXXX XXXX, and they estimated it to have repair costs in excess of {$8.00} grand, including needing a new transmission and faulty mechanics. they broke the implied consumer promise of selling a reliable car. I took the car to the Car Max dealer on XXXX in XXXX FL, and the car sales man and his " Finance Manager '' tagged teamed me and told me I had no choice but to turn it in and buy a new car from them-they encouraged me to default on my loan! They said people do it all the time, and being that I could not afford the repairs I should buy a good running car from them. I have a witness to this pressured conversation. I also have a XXXX dealership ( XXXX ) estimation of repairs : {$8900.00}. I believed them and did what they encouraged me to do, since the Car Max company ( another location ) sold me a lemon! The behavior of Car was exploitive and unethical, and has caused me financial hardship. I have always been on time paying my car payment ( except the last one when I decided I could not keep it and turned it in. I take pride in paying my bills on time, and respectfully request that the Car MAX company make all the needed repairs on the " lemon '', and I will consider taking the car back and making the payments. Either way, I respectfully request that this debacle does not go against my credit, causing me further damage. As reparation and a solution to their behavior and bad consumer product, my request is : PLEASE ASK CAR MAX TO NOT LET THIS SHOW UP ON MY CREDIT.
Product: Credit reporting or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 a account without my written instructions
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 Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name XXXX XXXX XXXX Account Number : XXXX Account Name : 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 or other personal consumer reports

According to the Fair Credit Reporting Act, 15 USC 1681 section 602 ( a ) states : " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, TransUnion, and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801, which states : It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. 

XXXX XXXX XXXX is a financial institution by definition under that title. 15 USC 1681 section 604 ( a ) section 2 states that : " In general, Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX XXXX XXXX the financial institution and the Consumer reporting agencies XXXX, TransUnion, and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, TransUnion, and XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise, is revoked. 15 USC 6802 ( b ) ( c ) states that : " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX XXXX XXXX never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states : " Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states : " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX, TransUnion, and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that : " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Credit reporting, credit repair services, or other personal consumer reports

My information was shared without my consent and obtained in a way not allowed by law. 
I sent my first letter off XX/XX/XXXX, second letter on XX/XX/XXXX to remove accounts that are violating my rights and to remove inaccurate personal information that I do not want on my credit report, and third letter XX/XX/XXXX with an identity theft report and inaccurate personal information that the credit agencies are refusing to remove According to 15 usc 1681 I have the right to privacy and confidentiality.

Also according to 15 usc 6802, a financial institution is not allowed to share any of my private non public information with a non affiliated third party. 

These are clear violations of my rights as a federally protected consumer under title 15 chapter 41
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has posted several credit inquiries under my credit report that I do not recognize. 
- XXXX -XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX I am filing this complaint because all of these have negatively impacted my score.
Product: Checking or savings account

The XXXX and his representative advised me in the contact center that XXXX stated around XXXXXXXX XXXX on XX/XX/XXXX that I tried to transfer money from XXXX when I had a negative account for {$460.00}, I would not have ever done that! I have never tried to transfer funds in a XXXX account when I have a negative bal. 

Vystar notified me via text message that I had a balance greater than {$700.00} on XX/XX/XXXX, at XXXX XXXX, and the balance showed {$1000.00}. I then went into my Vystar account to XXXX my funds from bank acct ending in XXXX to my XXXX XXXX XXXX account, as I always do, and then the account was mysteriously removed from my XXXX drop-down list. 

I recd an email from Vystar at XXXX XXXX, that Vystar suspended my account. So, I transferred my money to one of my savings accounts, which is also in my XXXX drop-down list ending in XXXX ; when I tried to XXXX from that account around XXXX XXXX, it was saying there were insufficient funds, but I never recd an email from Vystar saying that account was suspended. I called and spoke with a rep and she was saying that I tried to XXXX w/ an account that had insufficient funds and I advised her that money was in my account, The rep and the XXXX XXXXXXXX XXXX stated that XXXX had temporarily suspended my account for XXXX XXXX because I " tried '' to XXXX money at XXXXXXXX XXXX/ I am not stupid, I would not have tried that. This is wrong that I can not XXXX with/ my primary checking account that I allows my direct deposit. 

XXXX is giving incorrect info/ I do not know if someone tried to get into my account to do that... I am not sure! But It was not me/ Maybe next time I will wait for a while before trying to transfer with XXXX XXXX This honestly makes me not want to use Vystar anymore or XXXX with them. I know I do not make a lot of money, so, closing my account down will not hurt them financially but it is about morals with me. 

PS. I do have the call that was recorded in regards to this situation. I just can not attach it to my complaint
Product: Credit card or prepaid card

Synchrony Bank locked me out of my accounts so that Ill miss my payment due date. They do this so that they could charge customers late fees. I also have problems during payment process ( not applied fast enough ). After making a payment customers have to call the bank and request that their payments be applied to their available credit so that theyll have enough credit to make another purchase. Otherwise the credit will be applied one or two weeks after the payment is received.
Product: Mortgage

Called for refinance information on XX/XX/22 and was told Rocket Mortgage did not have option for me. Now they call 5 to 10 times a day and I have asked to be placed on do not call list and blocked their calls and they continue to call.
Product: Credit reporting or other personal consumer reports

I have discovered unauthorized accounts listed on my credit report that I have no association with. This is not only unjust but also deeply troubling. Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681, I am entitled to a correct and complete credit report, and these inaccuracies should not be negatively impacting my financial standing. I demand a thorough investigation and immediate correction of these errors. Should this matter not be resolved to my satisfaction, I will be forced to take legal action to protect my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM IN THE PROCESS OF BUYING A HOME. I HAVE NOTICED ERRORS ON MY CREDIT PROFILE THAT COULD POSSIBLLY HURT MY SCORE. PLEASE REMOVE THESE ERRORS AS SOON AS POSSIBLE. SECTION 605 B STATE THAT IF THESE ACCOUNTS ARE A RESULT OF INDENTITY THEFT, THAT IT MUST BE REMOVED OFF OF MY CREDIT REPORT.PLEASE REMOVE.