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

In accordance with the Fair Credit Reporting act XXXX XXXX, has violated my rights. 
Amount : {$100.00} Date : XX/XX/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 In accordance with the Fair Credit Reporting act XXXX XXXX  XXXX, has violated my rights. 
Amount : {$490.00} Date : XX/XX/XXXX XXXX XXXX XXXX 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: Debt collection

My identity was stolen to open accounts in my name fraudulently. I have already disputed this account and it was removed from my file as not being mine but it was reinserted. The account in question is XXXX  XXXX -- -- XXXX and XXXX XXXX -- -- XXXX I have been the victim of many accounts open in my name fraudulently and apart of a data breach that has exposed my information. The address that are on my credit file is not mine and have never lived : XXXX XXXX XXXX XXXX, WA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for XXXX  days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been XXXXdays n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

False information was placed on the credit file regarding a collection agency that goes by the name of XXXX XXXX XXXX. The information was false and removed. TRANSUNION sent verification of removal marked XX/XX/2020. 

Now TRANSUNION is showing the same item with a different partial account number with XXXX XXXX XXXX is back on the credit file as of XX/XX/2020. 
This is clear and willful intent to damage the consumer. How is the same item and same amount showing on the credit file as of XX/XX/2020 and being reported again on XX/XX/2020 just by changing a partial account number? 

These dates are clearly not adding up and show clear deception by only changing a partial account number. TRANSUNION sent nothing to me stating this false account was being added back on ; especially, added back on with another made-up partial account number. XXXX XXXX XXXX also needs to be investigated.
Product: Vehicle loan or lease

This is not a DUPLICATE, I have included new documentation. 1st contract that I was issued for your review. 
It's certainly clear that this credit application is fraudulent. Not my handwriting or signature or monthly income. You stated that proof of income was not a stipulation, well then how did you expect for me to pay for the loan? I am on a fixed income and XXXX. As I stated before obviously the dealer altered the application. I did speak to several call managers the results were still the same they said the information had been emailed. I have attached a copy of the 1st contract@10.50 annual percentage rate. It's worn a little, but you can do the math. I tried reaching out today XXXX to speak to someone to resolve the issue, got hung up on once again.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was very upset when checked credit report and found out a few negative accounts. They are fraud and I never opened them before. Please see accounts belong and remove them as soon as you can. 
XXXXXXXX XXXX  Date opened XX/XX/2015 Account number XXXX XXXX XXXX Date opened XX/XX/2015 Account number XXXX I attached all documents what you need included Identity Theft report. I have been a victim of identity theft fraud. I have no idea of any of these accounts.
Product: Checking or savings account

Good Afternoon, I was recently reviewing my checking account statement and noticed that from XX/XX/XXXX to XX/XX/XXXX, NFCU have charged my account excessive amounts in return item fees or overdraft fees. 

Optional Overdraft Fees : {$340.00} Returned Item Fees : {$400.00} XXXX Total Fees : {$740.00} Optional Overdraft Fees : {$600.00} Returned Item Fees : {$580.00} XXXX Total Fees : {$1100.00} Total Fees Paid to NFCU in the past 17 Months : {$1900.00}
Product: Credit reporting or other personal consumer reports

I accessed my credit report recently and noticed my information was illegally exposed in the Equifax Data Breach and have caused several fraudulent accounts. I am attaching a list of the fraudulent accounts on Equifax & Experian to this complaint. I have notified them of these errors and they refused to legally process my investigation and are therefore in violation on FCRA section 609b
Product: Credit reporting, credit repair services, or other personal consumer reports

Personal information is incorrect on my credit repost, I do not live at the following address : XXXX XXXX, XXXX GA XXXX XXXX XXXX XXXX, XXXX GA XXXX XXXX XXXX XXXX, XXXX GA XXXX XXXX XXXX  XXXX, XXXX GA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Disputed unauthorized inquiries on credit report and requested the inquiries to be deleted. Credit bureau failed to investigate, delete, or respond to my request.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX SSN : XXXX XXXX : XX/XX/XXXX Equifax Information Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX Dear Equifax I am disputing the account ( s ) stated in this document. Previously, I disputed this account information as being inaccurate, incomplete, and invalidated and you responded by stating you were able to verify or validate this debt. Tell me how is that possible when you have employees and an automated system judging my disputes within seconds? Its no way a real investigation was made. Under the laws of the FDCPA, I have contacted the collection agency myself, and they have failed to validate that this is indeed my debt. I have copies of my requests to the collection agency, asking them to validate the debt, as well as the receipts showing I sent them a letter by certified signature request. I was given no evidence of my obligation to pay this debt to these collection agencies. This debt is not mine. The Fair Credit Reporting act. requires you to verify the validity of this within 30 days. If the validity can not be verified, you are obligated by law to remove it from my credit file. I urge you to remove this account before I am forced to take legal action. If you can not verify the item pursuant to FCRA. And you continue to report it on my credit. I will find it necessary to ( Sue you for actual damages and defamation of my character. According to FCRA regulations, I may sue you in any qualified state or federal court. 



including a small claims court in my area. This is my warning. I demand you to delete these items at once. 




XXXX XXXX XXXX : Account number : XXXX, -. To the best of my knowledge, this does not belong to me. Please remove it immediately from my credit file. 

XXXX XXXX XXXX : Account number : XXXX, -. To the best of my knowledge, this does not belong to me. Please remove it immediately from my credit file. 



Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX I am submitting this complaint myself and there is no third party involve. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX -XXXX-Balance {$0.00} XXXX- XXXX-Balance {$0.00} XXXX XXXX-Balance {$290.00}
Product: Debt collection

I did not order newspaper delivery ( XXXX XXXX XXXX XXXX and I 'm being charged for it
Product: Credit reporting or other personal consumer reports

XXXX and XXXX are reporting a medical collection account that is a violation for many reasons. The main reason is that the account has been satisfied with the original creditor, the collection account should not be attempting to collect the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not make an inquiry with Transunion for mortgage services, and have gotten about 100 ( literally, happy to provide logs if that would help ) phone calls from mortgage brokers, multiple of which have stated they got the information from Transunion. I did NOT give Transunion permission to share my phone number, nor did I give Transunion permission to even have my phone number to begin with. 

I would guess Transunion is abusing their data, when getting a credit inquiry about a mortgage, and then turning around and selling that private data to other companies.
Product: Credit card or prepaid card

Way2go child support card locked my card for trying to transfer money, which it gave me the option to do. I had to call customer service and sat on hold for 2 hours before connecting to an agent. They couldn't verify my information because my phone was not under my name. So they directed me to send a copy of the front and back of my ID to a specific email stress that the agent gave me. I tried 4 times to send the email and each time the email was rejected because the email address didn't exist. I had to then call customer service back and sit on hold for another 50 minutes to get the correct email address to send my ID. They told me to wait 3-5 hours to get a confirmation email and It has been two days, 48 hours and I haven't received anything. So I called customer service back and am currently sitting on hold for and hour and 25 minutes, with the line saying all representatives are still busy. This is ridiculous. First time I called was a Friday at XXXX in the morning. The second was Friday afternoon, the third is Sunday at XXXX XXXX This is terrible customer service. There is no excuse for having to sit on hold for this long every single time you call.
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts listed are not mine. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, CA XXXX
Product: Credit reporting or other personal consumer reports

RE XXXX XXXX Block Request To Whom It May Concern, I am a XXXX XXXX XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 

ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Product: Money transfer, virtual currency, or money service

i notified that i got scam to the company ( cashapp ) and they never gave me my money back. Also they held {$500.00} from me for 10 days refused to give me my money until the 10 days
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 XXXXXXXX XXXX XXXXXXXX Account number XXXX Account name XXXX XXXX XXXX Account number XXXX Account name XXXX XXXX XXXX Account number XXXX Account name XXXX Account number XXXX Account name XXXX XXXX XXXX Account number 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 account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may take 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 the information is inaccurate.
Product: Debt collection

Comenity Bank has repeatedly called my number today five  times in six  hours from XXXX XXXX to XXXX XXXX. This has now crossed over into the land of harassment and it needs to stop. No Voicemail is every left, I am dealing with the COVID-19 pandemic like everyone else and these people and their constant calling is only adding stress.
Product: Mortgage

During Covid-19, I took Caliber home loans COVID forbearance after many times asking if the missed interest would become principle, I was told no every time. Once I exited the forbearance, I noticed that the interest was changed to principle. This was the exact opposite from what I was told over and over again.
Product: Bank account or service

I was induced to open a Citibank CitiGold checking account with a bonus offer. The bonus offered XXXX AAdvantage points in exchange for opening a CitiGold account and scheduling two bill payments from the newly opened account.After enrolling with the promotion code, I contacted Citi and received confirmation that the offer was attached to my account. I confirmed with Citi that I fulfilled all terms of the offer and to expect my bonus on or before XXXX XXXX, 2016. 
On XXXX XXXX, 2016, I did not receive my bonus points as promised. 
On XXXX XXXX, 2016, I went on chat with XXXX and explained that I did not receive my points. XXXX informed me that my bonus was denied for the following reason : " There was not a AAdvantage Points promotion offered in conjunction with the opening of your account. '' Even though I have been assured by Citi that I met all requirements to receive my bonus, the bank is now refusing to honor their end of the agreement. 

Citi must credit my account immediately or additional steps will be taken to collect my promised bonus. I am extraordinarily unhappy and suspect that Citi routinely and systematically defrauds their customers. They have also charged me two months worth of service charge fees because I kept my account open due to Citi lying to me, so I believe I would receive the AAdvantage bonus points.
Product: Vehicle loan or lease

On XX/XX/2023 I, XXXX XXXX XXXX BENEFICIARY and living man submitted an application for credit to attain a XXXX XXXX XXXX Pickup Truck through XXXX XXXX XXXXXXXX and 700 Credit and was denied for restricted reasons which were withheld from me. 700 Credit is Civilly liable due to this clear violation of the equal credit opportunity act, as I am credit worthy & can not be denied the extension of my own credit. Both 700 Credit XXXX XXXX XXXX have failed to provide to me any reason for this adverse action via mail within 30 days, pursuant to 12 CFR 1002.9. When I called 700 Credit to inform them of this issue, they claimed that they did not have me in their system, despite my informing them of their inquiry on my credit report. As a result, 700 Credit has willingly & Knowingly denied me of consumer credit, as well as improperly used my credit card without my permission or providing full transparency.
Product: Student loan

We have experienced loss of income due to a critical health problems in our family We have contacted ACS on numerous occasions only to get a run a round We want interest removed and our rate lowered in order to make these payments We have always tried to make these payments but they are pushing us to financial ruin
Product: Debt collection

They were hereby instructed to cease all collection efforts immediately or face legal sanctions under the XXXX XXXX Debt Collections Practices Act, 15 U.S.C. Sections 1692c and 1692k, which is incorporated and made applicable to creditors like your company by the XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Section XXXX
Product: Mortgage

Good afternoon, I divorced my wife over 18yrs ago. we had purchased a home together during our marriage, upon divorcing, I gave the house to her and signed over the deed to her. she was supposed to have Bank of America remove me from the Mortgage. I am now remarried now for over 15yrs and we are tying to purchase a home of our own. however because my previous residence that I shared with my ex wife is still on my credit it does not allow me to get a new mortgage. I have attempted to reach BOA and they basically laughed at me. it was court ordered for her to remove me from mortgage and she did not. I am not responsible for the home nor have I been for 18years. This NEEDS to be taken off of my credit report and solely in her name as per divorce decree.
Product: Credit reporting, credit repair services, or other personal consumer reports

I lost my wallet, causing me to have unauthorized charge on my XXXX  XXXX credit  card. I had try dispute the account XXXX XXXX, Bal : {$3700.00} ) with Experian, XXXX, and XXXX. They had taken this account off my credit report, but now it's back on my credit report without notifying me, I had disputed again and provide them proof that it was unauthorized use of the card.
Product: Credit reporting or other personal consumer reports

According to FCRA Section 605B it is illegal to report information on my credit report without my permission. Please remove this from my credit.
Product: Mortgage

Refinance loan not closed after 75 days. Applied for and started my refinance loan process with Amerisave on XX/XX/XXXX. Clean file with excellent credit and was told should close within 30 days. Appraisal was done 7-10 days after application was submitted. Asked for an update at the 5 week mark ( XX/XX/XXXX ) hoping to get a closing date and I was told that loans are taking 60 days to close but my file is gettng closer to closing and I should expect closing to happen by end of XXXX. A week later a got a call from another loan officer, informing that my loan officer has resigned and new loan officer will be taking over my file. The new loan officer made multiple changes - reduced cashout percentage, increased rate etc. I agreed as changes  were not that significant. This was XX/XX/XXXX, almost 50 day mark and I asked for an update and was told that its awaiting to be assigned to an underwriter which contradicted previous loan officer 's statement from XX/XX/XXXX that my loan was getting closer to closing. 
I have emailed everyday but have not gotten a definitive answer on when my loan will be closed. All I hear is you are in queue. I have been in queue for last 75 days without having conditional approval from underwriter Anytime I ask for an update I get the standard response of " hello yes, soon, hold tight, we will get you closed soon. Absolutely unacceptable! I've done numerous mortgages none of which has ever taken more than 60 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

AmeriCollect {$96.00} I challenge the accuracy, compliance and reportability of this listing. 
There is no contract, no valid claim ... account was settled with original creditor ( XXXX  XXXX XXXX ) ... grave errorsfalse claim and reportingI want this account removed immediately or litigation may follow ... You can not collect a debt twice ; it is unlawful Please validate this information and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. 

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to e-oscar or any means of automated verification. 
You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
Please be advised this is against F.C.R.A. law and is a violation of my rights..
Product: Vehicle loan or lease

This dispute is for a XXXX XXXX XXXX. Flagship Credit was the lender. This vehicle is listed on my credit report at {$18000.00} balance amount purchased on XX/XX/XXXX. This vehicle had several expensive repair issues within the first year of purchase. I spent thousands of dollars on auto repairs. I even asked the dealership for help and they ignored me. I surrendered the car in XXXX of XXXX after the engine went completely out. The cost to repair the engine was more than the value of the car. I surrendered the car back to Flagship Credit, and they sold the car at auction. The selling price was {$2700.00}. All of the payments that I made on the vehicle were mainly used towards interest rates, which kept my principle payments nearly nonexistent. Flagship Credit charged me an astronomical interest rate on a vehicle that was obviously not worth the price. The vehicle was sold at auction for a fraction of the price I'm being held responsible for.

Flagship Credit has charged off this account and sold it to XXXX XXXX collection agency. This is reporting the same vehicle on my credit report twice. Now XXXX XXXX is harassing me for payment when I never authorized or signed any contract with this company regarding this debt. XXXX XXXX is showing a balance of {$8200.00} There is an obvious discrepancy in the handling of this account which is causing me great suffering. There are conflicting balances and inaccurate information listed on my credit report from both of these agencies. Flagship charged off this account meaning they wrote off this debt and sold it to Synergetic meaning they were compensated twice on the same vehicle. My credit is damaged due to this inaccuracy and it is negatively affecting my way of living.