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

Hello, My name is XXXX XXXX XXXX and I am reaching out to complain on XXXX for their not of response and reporting. I have done everything and followed every step on removing false accounts that are reporting and still have not heard anything. It has passed the 30 days multiple times and at this point, and nothing has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several certified letters, that are dated, that have everything listed in detail, that have everything required and they still done anything to remove them. I am very frustrated at the point and need to get these accounts removed as soon as possible. 

I will be listing some dates below that I have sent out to them : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY RECEIVED THE LETTERS.
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 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : 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. 15 U.S.C. 1681c. ( a ) ( 5 ) Section state : 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 conviction 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 customer 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

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. 

XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # 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 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: Checking or savings account

On XX/XX/XXXX I received a notice that I was getting an ACH deposit. They did not specify the amount, however I was expecting a refund from State of NJ for the Anchor property tax relief program for the year XXXX. They refused to deposit because I hadnt file this years taxes at the time and could only provide tax returns for prior years including the XXXX  year which the payment was for. On XX/XX/XXXX they sent another email stating that they returned my payment. As of today, NJ state anchor program has not received the returned payment and when I called chime they told me that I needed to prove they didnt return the money to NJ state and that if I got an email that said they did then I have to believe it. They only allow contact through email unless its general business. They are basically holding my money hostage. I shouldnt have to provide This years tax returns for a refund from XXXX. I also sent mine and my husbands Identification as well as tax records. I also never get a representative that I can understand clearly, which makes communication very hard. This is extremely frustrating.
Product: Checking or savings account

XX/XX/XXXX I DID A TRANSFER FROM MY XXXX  MERRILL EDGE ACCOUNT TO MY NEW EMPLOYER ACCOUNT - THERE WAS A TYPO ON THE NAME - TYPED INCORRECTLY ( XXXX  ) SHOULD HAVE BEEN ( XXXX  ). I WAS CHARGED BY MERRILL {$49.00} TO MAIL A CHECK.

XXXX  -

CALLED AFTER NOTICING THAT THE NAME WAS TYPED INCORRECTLY. I WAS ON HOLD FOR ABOUT
XXXX  MINUTES BEFORE SPEAKING TO SOMEONE AND THEN WAS TOLD TO CALL XXXX  FOR A LETTER OF REJECTION.

XXXX CALLED XXXX  - THEY HAD NOT RECEIVED THE CHECK SO THEY COULDN'T HELP. XXXX -THE HOLD TIME WAS XXXX HOURS TO FINALLY SPEAK WITH SOMEONE WHO COULD ASSIST ME - THEN TOLD ON CALLED XXXX  - AND THEY STATED THEY DIDN'T UNDERSTAND WHY THEY NEEDED TO GIVE ME A LETTER OF REJECTION IF THE NAME WAS INCORRECT, SO NOTHING HAPPENED THERE.

THE HOLD TIME FOR MERRILL EDGE IS AT LEAST XXXX HOUR AND THEN THEY DON'T HELP YOU THEY SEND BACK.

I FEEL THEY DIDN'T WANT TO ASSIST ME BECAUSE I TOOK MY MONEY FROM THEM TO GO TO ANOTHER TRUST COMPANY.

THEY DIDN'T CARE WHAT HAPPENED TO MY MONEY - IT WAS JUST SITTING OUT IN LIMBO - I DON'T WANT MY XXXX  JUST OUT THERE.

THEY WERE VERY INCONSIDERATE - ONCE I DID THE TRANSFER THE CURITIOUS HELP CHANGED TO WE DON'T CARE - REACH OUT TO XXXX THEN COME BACK TO US.

I EVEN SPOKE TO A MANAGER XXXX  - HE WAS RUDE
Product: Student loan

So in 2009 i went to school i was informed i was takeing out one loan and it was a promotional time so it would be abput 8,000 now i am being told it is 3 loans and like 15,000 i called to find out what i can do because i was told a different story they said theres noting they can do but give me an option to pay {$5.00} a month to pay it off
Product: Credit reporting, credit repair services, or other personal consumer reports

Between XX/XX/2023 and XX/XX/2023, my automotive account with XXXX XXXX XXXX was removed from my credit report because a violations of federal laws that protect consumers. Because of this improper reporting they violated 15 usc 168 ( a ) ( 4 ) -Accuracy and fairness of credit report, to which the consumer agency has to respect my rights to privacy. 
also they have violated 15 usc 1681a ( 2 ) ( i ) -Exclusions, the consumer report does not include a report containing information solely as to transactions or experiences between the consumer and the person making the report, reporting payment history an credit utilization violates my consumer rights. 
they also have violated 15 usc 1681b- Permissible purpose of consumer reports, the consumer reporting agency can only furnish information In accordance with the written instructions of the consumer to whom it relates and i have not given my written instructions. 
also Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates, to which they have not done on my behalf which has caused me great pain an suffering due to the fact i cant obtain a loan for {$30000.00} that i needed for a new home.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed XXXX XXXX XXXX with Transunion and TransUnion closed acct on XX/XX/2021 with a " Derogatory Remark '' negatively affecting my credit. Amount of {$520.00} was reported, however, original amount was {$570.00}, as I made 2 payments of {$25.00} which XXXX XXXX XXXX owes me a Refund of {$50.00}. Yet on XX/XX/XXXX & XX/XX/2021, TransUnion is still reporting the collections account. Despite that I sent them documents verifying the acct was paid by insurance 2 years ago. I filed a consumer complaint referenced in the attachment in regards to XXXXXXXX XXXX XXXX This should have never been submitted to collection by XXXX XXXX XXXX as they were paid per their contact with my insurance company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been submitting disput letters to the Credit Bureaus that about the fraudulent information on my Credit report and that they must remove the disputed accounst in accordance with the FCRA section 605b. I am appalled by the capacity of the Credit Bureaus to keep ignoring a consumer 's written requests for the removal if the accounts and iformation resulting from the identity theft. Once again, I was a victim of identity theft and that the accounts I am disputing do not relate to any transaction that I have made or authorized neither did I received any benefits from the theft of my identity. I found that under section 605b of the FCRA, the Credit Bureaus are required by law to remove any account which was found to be opened due to identity theft. The dispute accounts do not belong to me. Im attaching the required FTC Report for yours and the bank 's records. Please remove these files. If the Bureaus feel there is a possibility these accounts belong to me I will require all documentation which bears my signature. If the Credit Bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. So please comply with the law so this matter can be handled swiftly : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$29000.00} XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX XXXX XXXXriginal Creditor : XXXX XXXX ) XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX
Product: Checking or savings account

Hello, I was charged $ XXXX XX/XX/2022 by a hotel for a reservation that was cancelled XX/XX/2022. I reached out to the hotel and they cancelled it, also refunded me, and sent me the proof via email. The bank involved originally gave me a provisional credit, but month later, charge me again for that same amount. Since XX/XX/2022 the bank has credited/charged me XXXX times, although I have disputed it via email/mail/fax and none of them have been reviewed or taken into consideration. Every time I reach out to the bank, I speak with different agents who dont see my documents, who are giving me different instructions, dont see the information from the last agent, agents who giving me different reference numbers, and people who do not care, no empathy. This has caused XXXX XXXX XXXXXXXX XXXX XXXX XXXX  and all I want is for my credit to be issued, and this dispute to be resolved once and for all. {$330.00} XXXX not be a lot to the bank for me living paycheck to paycheck {$330.00} is a lot of money. I received a letter that they will again be debited this money from my account XX/XX/2022, although Ive disputed it XX/XX/2022 and disputes take XXXX ( because no one is looking at my documents they keep closing the dispute ). 

XXXX charge XXXX credit XXXX charge XXXX credit XXXX charge XXXX credit XXXX pending charge
Product: Credit card

Milestone XXXX XXXX XXXX XXXX XXXX Concord  keep on sending me pre-approved applications after I've been approved. They run credit checks right shortly after which affects the credit report in which seen three times on my credit report after waiting shortly then been advised. Been advised shortly I've been denied I wan na know is Concord XXXX XXXX milestone is this a legit company due to preapproval applications and being advised that I was approved for {$1000.00} this has happened numerous times and which is not fair
Product: Credit reporting or other personal consumer reports

I have been dealing with this since XXXX of this year, and very soon, I will not be able to secure housing because of this incident with Ignite. We came to an agreement in XXXX that my credit report would be corrected. It is corrected with XXXX, but still has a 120 day late payment listed with XXXX and XXXX. I have disputed this MULTIPLE times with both bureaus and still XXXX XXXX  is communicating to the credit unions that the 120 day late payment should stay on my report, even though I have been assured in writing it will be removed. Please help and finally resolve this.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : I am writing to update/correct my personal information on file with your company. 
Please update my address to : XXXX XXXX XXXX XXXX XXXX Please update my name to XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Previous Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX {$5300.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$19000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$150000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$150.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$3000.00} XX/XX/XXXX XXXX
Product: Debt collection

I received a letter on from National Credit Adjusters ( NCU ) regarding a loan from XXXX  XXXX XXXX XXXX XXXX XXXX XXXX. I contacted them on XX/XX/XXXX I called and requested a copy of the loan application. They insist I'm responsible, even though I've never lived in Texas or at the address on the application, nor do I have a brother who is listed as a reference. I also have a freeze on my credit accounts to prevent things like this from happening, but apparently that doesn't work. I filed a dispute through my XXXX XXXX account on XX/XX/XXXX. I contacted XXXX today to find out the resolution as there was no information on XXXX XXXX. They told me it was not resolved in my favor and that I would need to dispute it with the FTC. 

Also, this loan is dated XX/XX/XXXX and it is my understanding that Texas has a statute of limitations on payday loans of 4 years. So even if it was mine, which it is not, they shouldn't be able to send this to collections.
Product: Credit reporting or other personal consumer reports

I loaned money to an individual through XXXX XXXX XXXX credit union ( XXXX ) guaranteeing the loan with money I have on deposit. The loan is in the individuals name. Trans Union has it listed as a loan to me. I contacted Trans Union and they said it was reported to them through XXXX, I contacted the main branch at XXXX, they said they do not even report to Trans Union. Trans Union told me that they had contacted XXXX to verify that I had a loan with them. The other credit bureaus do not show that I have a loan through XXXX. The incorrect information continues to show up on Trans Union and XXXX XXXX after months of filing complaints with Trans Union.
Product: Credit reporting, credit repair services, or other personal consumer reports

This has been my several attempts to notify you that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. The accounts need to be removed as it is fraudulent : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am having trouble communicating effectively with TransUnion in an effort to have my credit reports correctly reporting. This is time sensitive. I am in a first time home buyer program administered by a non profit for XXXX XXXX where I live and they are very very picky. As with many government matters, they insist on real time accuracy. My deadline is Friday, XX/XX/2023, at XXXX XXXX pacific. TransUnion has " disputes '' open but a prolonged " investigation '' isn't warranted under these circumstances. All these accounts have a balance of zero. I was able to get a letter almost immediately from these credit furnishers. TransUnion works with them electronically - so why aren't my reports updated with greater efficiency? I have been attempting to fax information ( attached ) to TransUnion but their known fax numbers do not seem to be working any longer. I need a working fax number.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name XXXX XXXX XXXX XXXX XXXX Account Number:XXXX Account Name XXXX XXXX XXXX Account NumberXXXX  Account Name : XXXX XXXX XXXX XXXX Account Number:XXXX has violated my rights. Or a 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 card

I received a credit alert from my monitoring company on XX/XX/2016. According to XXXX, Care Credit reported my account to the Credit Bureau after a purchase that put my card 200+ dollars over the limit. I was never notified by Care Credit that I was over the limit. I seldom use the card, and have never been late or defaulted on a payment. I do take advantage of the promotional period, however my account is always paid before the promotional period ends. As a result of Care Credit reporting the account to the bureau, my credit score may be negatively affected when I actually never defaulted not was late on a payment. Today, I made a XXXX dollars payment to bring the account under the limit, and once the remainder is paid using the promotional period, I will never use this card again. I was poorly treated and lied to by XXXX customer reps and a manager from a call center that appeared to be in XXXX. They were quick to report the over limit but refused to help me resolve the situation.
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify this account ( A ). It is not permitted to report this account as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file.

XXXX XXXX
Product: Credit reporting

Experian currently has my name and address listed on my account in various ways and it is severely negatively impacting my credit worthiness. I have requested on several occasions for this to be corrected. Via sending in my current license, and my marriage license. And the corrections still have not taken place.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX  XXXX Bankruptcy XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX DEPT OF ED XX/XX/XXXX
Product: Bank account or service

I was issued a prepaid debit mastercard several months ago by Citibank in the amount of {$700.00}. I used all but {$170.00} and the card expired XXXX/XXXX/15. I called today at XXXX and asked them to issue me a new card so I can use the rest of my cash. They told me no, that I could not have another card. I asked if they could cut me a check then for the balance, and they said no. I asked for a supervisor and was also told this. I do n't understand what gives them the right to keep my money? Life happens, and I 'd been saving that card for school shopping for my children. I logged into my account with them and saw that it still had a balance.