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

I sent experian, XXXX, XXXX letters disputing fraudulent accounts and inaccurate billing errors on my credit report on XXXX Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. experian, XXXX, XXXX failed to remove or verify the fraudulent accounts Ive reported. Section 609 ( a ) ( 1 ) ( A ), of the Fair Credit Reporting Act experian, XXXX, XXXX are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. I demanded to see verifiable proof with my signature that experian, XXXX, XXXX have on file for the account listed below.. It has been more than 60 days and experian, XXXX, XXXX have not sent any verifiable proof. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof experian, XXXX, XXXX must remove the accounts and billing errors listed listed below. 
1. The following account is not mine XXXX XXXX XXXX  ( Original creditor : XXXX XXXX XXXX ) Account Number : XXXX Please remove it from my credit report. 

2. The following account I don't recognize and never gave permissible purpose to report on my credit XXXX XXXX XXXX XXXX XXXX Original filing dateXXXX XXXX XXXXXXXX Reference XXXX Record typeBankruptcy XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX The following account I don't recognize and never gave permissible purpose to report on my credit XXXX XXXXXXXX XXXX XXXX XXXXXXXX Original filing dateXXXX XXXX XXXXXXXX Reference numberXXXX  Record type Bankruptcy XXXX XXXX-dismissed XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX.this following account is reporting inaccurate information I was never late for this account XXXXXXXX XXXX Account numberXXXX Original balance {$28000.00} It says I was current on XX/XX/XXXX, then it says I was 90 days late on XX/XX/XXXX that is impossible and obvious inaccurate reporting Please remove it from my credit report. 

XXXX this following account is reporting inaccurate information I was never late for this account XXXX XXXX Account XXXX Original balance {$15000.00} It says I was current on XX/XX/XXXX, then it says I was 90 days late on XX/XX/XXXX that is impossible and obvious inaccurate reporting Please remove it from my credit report. 

XXXXThe following account is not mine XXXX XXXX XXXX  ( Original Creditor Name XXXX XXXX ) Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized and I did not give permissible purpose to report XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized and I did not give permissible purpose to report XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Product: Credit card or prepaid card

I am writing to file an official complaint against American Express. On ( XX/XX/XXXX ) at XXXX pm, I received a call from XXXX XXXX of American Express ( XXXX ). In that conversation, I was informed that my personal and business lines of credit were suspended. I have been placed under financial review. 

This call was the first indication that I was under review, and I asked on XXXX separate occasions during the recorded conversation why. On each occasion, I was told unequivocally that information would not be shared with me because it was proprietary information. 

I highlighted that both accounts are in good standing, having a XXXX balance on both accounts. I also pointed out that I have not requested any loans, changes in credit status, or changed anything that should trigger such review action. Furthermore, I have had a stellar relationship with American Express over the last six-plus years. 

I asked " Why haven't I received this in writing and when will written documentation of everything that transpired be provided? XXXX replied the documents have been mailed as well as an email have been sent. I asked her when the letter and email were sent. XXXX replied today XX/XX/XXXX. I asked about the legality of this unwarranted financial review and account suspension without notice. She replied by promising to forward an email copy of the request for documents that she requires that I submit to save my accounts. These include the last XXXX months ' bank statements from the accounts used to pay my credit cards, XXXX months ' payment stubs from my work and she wanted me to declare whether I rent or own my current home. I must note here, none of these documents was mentioned in the request that I just received via email ( see attached ). 

This entire event feels heavily retaliatory based on the complaint currently being reviewed with the Office of the Comptroller of the Currency ( OCC ) about American Express and the company XXXX XXXX XXXX XXXX of which I am the managing XXXX. In that complaint ( Case # XXXX ), American Express has already attempted to mix/cloud my personal information with that of the business. Now again, they are taking unjust actions on my person because they were caught in wrongdoing with my business. 

Please help me understand what law allows them to take such an accusation stance with a long-standing customer, with no warning or communicated justification for their actions. They have already attempted to malign my professional reputation with their shady actions relating to my business, now that I am taking them to task for that, they are attempting the same on a personal level. 

I ask for your intervention in this malicious and vindictive action by this corporate entity against a hardworking minority business owner and upstanding citizen.
Product: Credit card

I noticed an unusually high interest charge on my recent on-time credit card payment. The interest charge seemed very unusual so I called to get more clarity. I spoke with XXXX people on XX/XX/XXXX who told me the same answers and could not really give me any information regarding my interest charges. I asked for my credit card application and they told me they could not help. I asked to speak to managers, but kept getting refused. 

I then made an in store appt on XX/XX/XXXX. As i was making this appt in store, the XXXX and employee had conflicting arguments on helping me, only making me feel more uncomfortable. I came in for this hour long appt, and the banker kept telling me that he was new and didnt really have all the info and kept trying to sell me on their saving account interest rate, even though I told him many times I simply needed my original signed credit card application form. He was gone for half an hour and came back with XXXX of my latest statements which were unhelpful. I told him explicitly that I needed something different and he kept selling me this XXXX interest savings rate. Unbelievable. Nothing happened after this and I told him I was disappointed. I then called back on XX/XX/XXXX and finally got an official complaint and record number. XXXX. Well fargo credit card complaint online messaging center. This message said " We acknowledge your request for the signed application, and respectfully decline this request as this information is considered confidential. '' This seems ridiculous, so I called back and then set another in person appt for XX/XX/XXXX. I went in and talked with a XXXX who finally understood the simple document I requested. She was on the phone for nearly an hour and then told me that maybe someone would send me the document in XXXX business days. I am now almost 2 months in on this issue and I have not been sent a simple contract. I called again to escalate this even further on XX/XX/XXXX. Once again they pushed me around and could help me none.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax credit reporting agency have inquiries on my report i did n't authorized. 
here are the unauthorized inquiries XXXX -XXXX XXXX XXXX XXXXXXXX XXXXX-XXXX XXXX XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I have called, and written, Cititcard several times stating that the balance on my statement does not agree with what I purchased and what I have paid. I asked for a recap of the purchases and payments I have made sinceXX/XX/2017 to the present date.

I have never received this recap.

Yesterday, I spent 25 minutes on the phone with Citibank. A rep name XXXX  told me that she saw where I had made requests for this info and stated " you haven't received '' this yet? I said not and she asked me to hold on.

A few minutes later, another person picked up and I said I was talking to XXXX  who put me on hold. I was told XXXX transferred the call to her. I asked when I would receive the recap of my purchases and payments, and this person disconnected the call.
Product: Credit reporting, credit repair services, or other personal consumer reports

The information on this report is unauthorized and was not done by me. Please delete from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX with the Fair Credit Reporting act the companies below have violated my rights. 

XXXX XXXX XXXX XXXX {$20000.00} XXXX XXXX XXXX XXXX {$290.00} XXXX XXXX XXXX XXXX {$350.00} XXXX XXXX XXXX XXXX {$4000.00} NC XXXX XXXX XXXX {$2200.00} NC XXXX XXXX XXXX {$9600.00} NC XXXX XXXX XXXX {$3000.00} XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX {$110.00} 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.

Pursuit of 18 USC 8, i owe no debt. This company is violating my consumer right to privacy pursuit to 15 USC 1681b 2. company also has NO permission to report ANYTHING using my info pursuit 15USC 1681 4.
Product: Credit reporting or other personal consumer reports

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am reporting a violation of my right to privacy and the wrongful use of court records for reporting purposes regarding the following items on my credit files : XXXX. XXXX Bankruptcy ( XXXX XXXX ) XXXX. XXXX XXXX, XXXX ( account associated with the bankruptcy ) According to the law on reporting consumer information that is housed in City court documents the following data furnishing company XXXX XXXX along with the major credit bureaus - XXXX, XXXX and Equifax have violated my rights to privacy by reporting my Bankruptcy on my credit files without my written consent and have wrongfully used those court records by furnishing that information WITHOUT A VALID REASON LISTED under section 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports : a ) Information excluded from consumer reports Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : ( 1 ) Cases under title 11 or under the Bankruptcy Act that, from the date of entry of the order for relief or the date of adjudication, as the case may be, antedate the report by more than 10 years Subsection ( b ) states the ONLY REASON MY BANKRUPTCY SHOULD BE FURNISHED IS : b ) Exempted cases The provisions of paragraphs ( 1 ) through ( 5 ) of subsection ( a ) are not applicable in the case of any consumer credit report to be used in connection with ( 1 ) a credit transaction involving, or which may reasonably be expected to involve, a principal amount of {$150000.00} or more ; ( 2 ) the underwriting of life insurance involving, or which may reasonably be expected to involve, a face amount of {$150000.00} or more ; or ( 3 ) the employment of any individual at an annual salary which equals, or which may reasonably be expected to equal {$75000.00}, or more.

By furnishing my court files for credit reporting purposes other than listed above XXXX XXXX  and all the credit bureaus they have furnished that information, are all in violation of the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, my identity was stolen several years ago. While I was at work someone stole my wallet with all my identifing information in it. They had rented a car in my name and gotten several forms of credit. I did not know any of this until I was stopped for a random traffic stop and the police stated all of this to me. I am now trying to correct issues that were made to my credit history. I would appreciate your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

I am filing this complaint against LexisNexis Risk Solutions for willfully violating the Fair Credit Reporting Act ( FCRA ) by refusing to correct a demonstrably false 'at-fault ' accident report from XX/XX/XXXX, despite conclusive evidence from XXXX ( Claim XXXX XXXX, attached ) confirming 0 % negligence. On XX/XX/XXXX, I filed a formal dispute ( Case # XXXX ) with XXXX 's letter and submitted a copy of my driver 's license, as instructed by the LexisNexis representative. As of XX/XX/XXXX, 31 days later, LexisNexis has ignored the FCRA XXXX ( a ) ( XXXX ) XXXX investigation deadline, directly causing XXXX to impose a 22 % rate hike ( {$1200.00} annual premium increase ) and XXXX to XXXX coverage entirely ( denial letter attached ). This violation of FCRA 623 ( a ) ( 8 ) and 12 CFR 1022.43 ( e ) has trapped me in XXXX coverage at non-competitive rates, as XXXX uncorrected report blocks access to standard insurance options.
Product: Mortgage

I was recently discharged from a Bankrupcy ( XXXX XXXX ). As soon as the discharge was ordered, Select Portfolio Servicing stated sending harrassing letters & calling saying that I had missed a payment during my bankruptcy.I have provided them a copy of the check of the month in question, but they have been unable to resolve the issue. Further, when Select Portfolio alleges that I missed a payment, is the same month when Select purchased my mortgage from XXXX loan servicing. I contacted XXXX on XXXX XXXX, XXXX & was told by an agent, that she was unable to pull up my file since it was so long ago. This has been quite frustrating, as I have not missed a payment on my mortgage.
Product: Money transfer, virtual currency, or money service

check XXXX amount XXXX ( overpayment ) My name is XXXX XXXX I received this check on XX/XX/21. 
The check is for overpayment of a vehicle. 
The problem is I am unable to cash this check, my so. XXXX is in the XXXX unable to travel. I live in Connecticut. The check is written XXXX XXXX and XXXX XXXX. Because XXXX is not able to be there in person I asked if XXXX could send info stating that I can have the check placed in my name only to make it easier to cash. I was told XXXX had to give me power of attorney to do this. He is not giving anyone that right I called XXXX to have the check reissued as is. I had signed the check I was told it would take 10 days to make sure the check had not been .cashed, that was 2 weeks ago. I called today XX/XX/21 I was placed on hold for 25 min after asking fora supervisor and then sent to voice-mail. This is unacceptable, and the end results I will still not be able to cash this check. Please help, I have called this company several times and they did not ask for XXXX info when I was making the payments. I understand that the contract has both names, but the did not try to accommodate for him being on the military. 
Thank you in advance XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Diversified consultants commits fraud and places inaccurate information on consumer reports in an attempt to get them to pay for debt that cant even be verified or validated. They placed a debt for XXXX for {$570.00} on my report with a reporting date on XX/XX/XXXX. They do illegal things in an attempt to pressure consumers. 

I mailed a letter the 1st week of XXXX requesting validation. The address they have on file is incorrect as well. They are fishing and I refuse to pay a debt thats not mine that cant even be verified of validated. Both actually. Its been over 30 days I called the credit bureau as well as this address thats invalid is on my credit report now which puts me at a safety risk for my persona information. They are refusing to respond and if theyre responding with the unsaid address putting my personal information at risk which breaches HIPAA. I called today XX/XX/XXXX gave my actual address. The gentleman was nasty and sharp no customer service at all. 
This account needs to be deleted and removed from my credit Bureaus reports immediately for failing to validate within 30 days. 

I can add my usps tracking info it was delivered success Lu my letter to you and you guys did not validate
Product: Checking or savings account

I was charged by several online companies for products I was attempting to buy, {$2700.00} in total. The products were never delivered and I've never even been given a receipt for my transaction. I've tried several times to search for contact information for the company and could not find anyone to resolve my issue. I then disputed the transactions with my bank who denied ALL of the disputed transactions. They've informed me that I will need to reach out to the company. How can a consumer reach out to a company if no phone number, physical address or XXXX XXXX was provided? On XX/XX/2023 The claims department purposefully entered wrongful dispute formation and on XX/XX/2023 a " Customer Care Specialist '' informed me in order to seek arbitration I would need to contact a lawyer. This is illegal!
Product: Credit reporting or other personal consumer reports

My entire family : Husband- 2 adult daughters completed the XXXXXXXX XXXX  request form. We all requested the 3 copies from the 3 CRA. 
We all received XXXX XXXX XXXX but None of us has received the report from EQUIFAX. We requested the reports at the end of XX/XX/ XXXX XXXX
Product: Student loan

I received a letter today stating that Navient is selling my loan to another provider. It feels as though this institution is passing the buck to another provider. Because of Navient 's claim that their invoices for my payment have been returned to them in the mail since XX/XX/XXXX, in XX/XX/XXXX they reported XXXX delinquent accounts to my credit report. This dropped my XXXX XXXX XXXX points. 

Let me be clear that Navient has had this correct mailing address for at least the past 5 years. If they did not have my correct address for the past 8 months, it was a problem on their end. I strongly believe that the trouble they brought on my family and myself because of something that they have done on their end is worth more than the write-off of {$4400.00}. 

No wonder this company has been sued for overcharging students. Where is their integrity? 

The letter regarding the selling of the loans to XXXX is dated XX/XX/XXXX. The postmark on the envelope is XX/XX/XXXX. Today 's date is XX/XX/XXXX. I have attached a copy of the letter that shows the date as well as the envelop with the stamped date for your review. Why would it take 5 days for a letter to reach the post office? 

This complaint is related to XXXX.
Product: Credit reporting or other personal consumer reports

All reference credit reporting agencies are illegally reporting nonpublic private information I never gave them consent to report on my consumer report in accordance to the requirements of the GLBA. I have officially filed a fraud report with the FTC to have these accounts Investigated. The account numbers are : XXXX XXXX ( XXXX ) -XXXX XXXX XXXX ( XXXX ) -XXXX  XXXX  ( XXXX ) XXXX XXXX XXXX XXXXXXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX ) -XXXX XXXX ( XXXX ) By law XXXX  XXXX and or the credit reporting agencies are to block this information within 4 days from receipt of this notice. If this information is not deleted within 4 days I will be moving forward with filing a lawsuit.
Product: Money transfers

I sold an item on Ebay and as a result the item was paid for using PayPal. Unfortunately they keep putting a hold on my funds and I sell these items to pay bills. I was on a probationary hold with Ebay for safety reasons of fraud, but I am the one who is at risk. It is not fair that now they have removed the hold and now PayPal puts one on. I had to pay almost {$75.00} to ship the phone to XXXX and that included insurance and return receipt. This is not right that they do this, when they are the 3rd party and they hold money when the merchandise leaves the seller. The money is the security as the item transfers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed errors on my credit reports in XX/XX/2020. I sent letters explaining the errors to Transunion, XXXX, and transunion. I have not gotten a response in over 30 days from either company. I am aware that under the fair credit reporting act that these companies have 30 days from the date they receive my dispute to validate any inaccuracies on my credit reports. These unverified accounts are preventing me from funding that would help my business prosper.
Product: Money transfer, virtual currency, or money service

I used to have an account with Wise ( previously known as TransferWise ). I transacted of lot using their service, and one day all of a sudden they decided to close my account, giving me no reason as to why. I sent all supporting documents to verify and show my transactions but they refused to restore my account. 

A few years have passed and i am ready to restart this activity of mine ( purchases and resales of products in different countries, thus my need of good FX rates that Wise provides ). I tried to open an account with Wise again, and half way through the registration i was kick out and not able to finish opening the account. 

Wise is not providing any reason and should not be refusing to open an account for a completely legal business.