23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I want reported accounts removed.

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 a Natural Person, I am a living Human Being, I have rights under 15 USC 1681 In accordance with the Fair Credit Reporting act. The List of incorrect addresses 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 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 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 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

I have tried to remove fraud alerts via phone with no luck. I keep getting the run around when trying to remove these fraud alerts by the phone agents. I'm unable to remove them online and this is making it impossible for me to apply for a car loan to provide for my family.
Product: Debt collection

XXXX XXXX XXXX The reported opening date of XX/XX/XXXX, is incorrect. 
Given that the account is not mine, nor have I ever been associated with it, Last recorded activity on XX/XX/XXXX, It is implausible because the account was removed before that date, and you are the sole agency reporting the debt. 
The balance of {$2400.00} Is invalid as this is attempted to be collected twice by two separate companies who both believe its valid meaning they are not actually reporting accurate information.The existence of a balance for an invalid account that does not belong to me is inconceivable. 
Conflicting balance of {$2000.00} and {$2400.00} Conflicting balances are evident. TransUnion validates the debt at {$2400.00}, while XXXX reports it at {$2000.00}. Both contradictory figures are deemed accurate. This suggests that the file is not undergoing thorough examination. 
XXXX dates of account opening XXXX dates of account opening are noted. TransUnion states the account was opened on XXXX, whereas XXXX records it as XXXX. This suggests that the file is not undergoing thorough examination. 
Past due amount is incorrect The past due amount for TransUnion and XXXX is stated as {$0.00}. However, the company is persistently pressuring the consumer for payment. Moreover, the file has already been removed from XXXX. 
Conflicting Last payment date The last payment date is recorded as XX/XX/XXXX by TransUnion and as XX/XX/XXXX by XXXX. These conflicting dates indicate a failure to validate the file to meet correct FCRA standards.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to the Credit Bureaus requesting to remove the items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c- 2 ), the Credit Bureaus are required to remove any items or information not later than 4 business days. I request an investigation and remove these items that appears in my credit report. Listed below are the items that i wanted to removed : 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 XXXXXXXX XXXX Balance : {$2200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Equifax is reporting Information that belongs to someone else. I notified on several occasions to ensure they have the most accurate information in my credit file at all times. Equifax was asked to delete the following inaccurate information from my credit file within the following 30 days. I know that they have up to XXXX days to meet my requirements. I did not receive any updates from Equifax during this period, I know that these inaccuracies should be automatically removed. I have listed the information about my personal information that Equifax incorrectly reported and should be deleted immediately. 


XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX FL XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, FL XXXX XXXX asked Equifax on XXXX occasions to validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. 

I advised that they have 30 days to produce the requested contract and to complete this investigation, as per the Fair Credit Reporting Act section 611. 

Equifax did not complete an investigation, nor had communications of results or said investigations. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Account is fraudulent and unauthorized. I do not have any knowledge of this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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
Product: Debt collection

I had 2 different hearing with them at the court. First ( XX/XX/XXXX ), they sent random attorney has no idea what is going on only asking how I would like to pay the amount. I said I need to explain why I didnt pay but he wouldnt listen and set another hearing day because he was just showing up for tenaglia & hunt. My second hearing ( XX/XX/XXXX ) was again with a random attorney showed up for tenaglia & hunt who wanted to get another hearing date because he was just there to show up for tenaglia & hunt. I said I wanted to set a trial date because this will never end. And we did. Right before trial date which was XX/XX/XXXX. Attorney called me from tenaglia & hunXXXX named XXXX XXXX on XX/XX/XXXX XXXX day before trial date. We made a deal original amount was XXXX but we agreed on {$2100.00} in 2 installments XXXX 2 months. They said I would receive a letter about this and all the instructions and I dont need to show up on trial next day. I never received any information. On the agreed payment date I tried to contact them but I couldn't reach thru their phone numbers. I filled a form on their website how to pay amount. They emailed me back said XXXXYou can go to our website, tenagliahunt.com. you will need your routing and account number and your file number which is in the subject line '' When I enter my file number amount wasn't agreed amount. it was original amount. I asked them back if they fix it so I can make the payment because I wasn't able to change the amount myself. They never responded. After almost a year, I received court hearing date and now my bank account has garnishment. I cant use my account. I cant login to my bank account. I cant make any of my payments to other companies. I never missed single payment all my other accounts but now I cant even see if the payments are going thru.
Product: Money transfer, virtual currency, or money service

I was purchasing some XXXX XXXX items through a group on XXXX. The person I was buying items from said their name was XXXX XXXX. I sent this person 3 different payments to the phone number they provided XXXX, through the XXXX feature on my Citizens bank app. This was after I had to call Citizens Bank to have them verify my phone number so the payments would stop failing and would go through. On XX/XX/XXXX I sent this number {$32.00} through XXXX, On XX/XX/XXXX I sent {$60.00} to this number through XXXX for more promised products. On XX/XX/XXXX I sent this number {$190.00} for an entire product collection. At this point I checked my bank and realized the XXXX payments were being sent to a different name than that of the person I had been talking to. I searched the name on XXXX and found out that this person is a well known scammer. I contacted Citizens bank to try and cancel the payments as two of them were made within 24 hours of me calling them and was told that there was nothing they could do because they were instant payments. The seller I was dealing with has disappeared. I questioned Citizens Bank and how they could allow these transactions to go through without any sort of Fraud protection, after all, I thought I was safe doing these transactions because they are directly through Citizens Bank and was informed that they would do nothing and I should contact my local authorities which will do no good as the seller has gone ghost. I attempted to cancel these transactions within 24 hours and same day for one and was told that Citizens bank will do nothing. I am extremely upset and would like Citizens Bank to refund these purchases as they are my bank and should protect their customers from Fraud if it happens through an app that they are controlling. The XXXX feature is directly on my Citizens Bank app so they should have some sort of protection in place and as my bank I would like them to cover this fraud. I have submitted to them proof that the person the money went to was not the person they claimed to be and still they will do nothing. Which is why I would like your help getting the fraud protection deserved on these transactions done directly through Citizens Bank from one bank account to another on their XXXX feature in the Citizens app.
Product: Credit card

on XX/XX/year> XXXX sent a refund in the amount of {$220.00} to my account through Extra XXXX XXXX that I no longer have as I closed the account several months ago. I contacted Extra to see what needed to be done to get the refund sent back to my priary bank ccount which the extra acount was linked to and I was told that it hould be processed and on it's way back to me in XXXX business days. Then that became XXXX business days. The they tried to tell me that it had been sent which it was not as my back verified that nothing had been sent to my account by Extra XXXX XXXX ( see attachments from bank account showing nothing from extra ). I have contacted them over and over again about this and all I continue to be given is more excuses about their system processing everythin and that they will get back to me which they don't as I end up having to contac them over and over again asking the same question regarding what is the hold up as it's now been XXXX weeks since this all began. And i've explained to them that my patiance is really thin at this point as it does not take this length of time to refund someone their money. They have NO RIGHT to continue holding it and I simply want my money returned to me ASAP.
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. Act Name : Capital XXXX, Act Name : XXXX XXXX Name : XXXX XXXX XXXX XXXX Name : XXXX XXXX Name : XXXX, XXXX Name : Upgrade, 15 USC 1681 section 602 A, States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 items of information, other than records of convictions of crimes which anteaters the report by more than seven ( 7 ) years. 15 USC 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 reasonably believes that the information is inaccurate. This is a clear violation of the Fair Credit Reporting Act ( FCRA ), as it falsely manipulates the statute of limitations. As a consumer, I am entitled to accurate and up-to-date information on my credit report, and I expect all reporting agencies to fulfill this obligation in compliance with the FCRA and other applicable Consumer Protection Laws. Because of this apparent neglect, I request that this erroneous information be immediately DELETE from my credit report, and that you provide me with an updated copy of the report once this has been done. Thank you for your attention to this matter. Sincerely XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested that Experian prove to me how they " verified '' that the account with XXXX is my account. They reported back that it is verified but does not give the METHOD OF VERIFICATION. According to FCRA 611 ( a ) ( 2 ) ( B ), they were required to forward all of the relevant information to the creditor for their investigation of my dispute. This does not happen. Credit bureaus have been taking advantage of consumers during Covid. They are not posting good accounts on time but bad accounts are verified IMMEDIATELY. I am prepared to sue the credit bureau at this point. Employees are rude, disrespectful and give false information while on the phone.
Product: Credit reporting or other personal consumer reports

1. Inquiry Date : XX/XX/year> Creditor Name : XXXX XXXX XXXXXXXX Inquiry Type : Hard 2. Inquiry Date : XX/XX/year> Creditor Name : XXXX XXXX Inquiry Type : Hard 3. Inquiry Date : XX/XX/year> Creditor Name : XXXX XXXX Type : Hard 4. Inquiry Date : XXXX, XXXX Creditor Name : XXXX XXXX Inquiry Type : Hard 5. Inquiry Date : XX/XX/year> Creditor Name : XXXX XXXX Inquiry Type : Hard All these inquiries above were put on my credit report by a dealership I found out. I Personally never stepped into these dealerships and do not know the inquiries. 
I filed for identity theft because of these fraudulent inquiries. because they are fraudulent
Product: Mortgage

The violator is The Bank of New York Mellon indenture trustee for XXXX XXXX XXXX. Their have been multi consumer violations over the last 8 years That only now have we been made aware of! Their is a RESPA Reg X violation that occurred on XXXX We have the affidavit from the process server. I filed bankruptcy back in XX/XX/XXXX and the same company violated the automatic stay that was in effect during my bankruptcy XXXX thru XXXX Said company went to the XXXX XXXX South Carolina Register of Deeds on XX/XX/XXXX with out permission from me, my estate, the court, and filed assignment papers disseizing real property violating my equal protection rights and i believe to be contempt of court. They have named me a defendant in a third attempt at foreclosure to a debt that has been discharged by the court 8 years ago calling it a new debt that happened after the bankruptcy, THATS NOT TRUE! What they did was have a hearing back in XX/XX/XXXX, i received a notice and went to the court to attend, i check in with the court baliff was instructed to wait in a specific room till called, waited 45 min only to have the opposing attorney come in to the room and ask ARE YOU THE LAMBS? I said yes and was told by the opposing attorney that we are all set, we do not need you any more! Well at the time i did not know the person i was speaking with was the opposing attorney, i following the baliffs instructions and thought court personal which i assumed this person was would be calling us in for are hearing, Well i only found out in the last year that it was the opposing attorney and that the opposing attorney had a one sided hearing with the court while i was conveiniently de nide access to the hearing. What i have found is the opposing side who had foreclosed on me in XX/XX/XXXX in a court case the went full due process with a verdict from the court in the opposing sides favor went back to the court and had it vacated 14 months later. I want relief and restitution from the living hell and harrasment they have inflicted on me!! Their is also a cares act violation from XXXX XXXX! The statute say signeficant penalties for violations these companies AND THEIR CONSUL!!!!! NEED TO BE PUNISHED HARSHLY. I WANT RESTITUTION!!! Thank You Sincerly XXXX XXXX XX/XX/XXXX cell XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Product: Mortgage

XXXX bought property from my wife and I and needs a partial release. The title company started emails to our mortgage company, Newrez, on XX/XX/year>, and never heard back from them until 1 week prior to funds needing to be paid. 

I received an email from Newrez on XXXX saying I needed to provide {$22000.00} as a loan-to-value payment for a partial release, and the title company wanted payment by XXXX. I responded on XXXX asking how that was calculated to verify if it was correct so I could make an accurate payment. I have never heard back from Newrez A week later I received an appraised value for my property under partial release and forwarded that to Newrez to have them see what they thought of the appraised value against their original amount. This email was on XXXX, and I have never heard back from Newrez. 

Since I have never heard back from the partial release department at Newrez, I have called them numerous times. I can only call them on their general purpose line, and have always been told that Newrez doesn't have a phone number to their partial release department. I have also been told they have 48 hours to respond to emails. Every time I call I'm told it has been escalated, and it will take up to 72 hours to hear back from them. 

The date of payment to the title company has passed, and I still haven't heard from Newrez. They don't respond to their emails, even after escalation, and there isnt a phone number directly to their department. Payment to the title company hasnt happened because we dont know the correct amount to pay.
Product: Credit card

My TARGET RedCard was hacked via online for gift cards on Tuesday, XX/XX/XXXX, and FRAUDULENT CHARGES were applied in the amount of {$700.00}. When I discovered the incident, I immediately contacted TARGET and they stated they would resolve the matter by reverting the charges. Also, on Tuesday, XX/XX/XXXX, I made an online purchase of items in the amount of {$60.00} ; the package of items delivered to my home on XX/XX/XXXX, was rummaged and stolen enroute. Again, I immediately contacted TARGET and made them aware of the situation and they stated they would resolve the matter by reversing the charges. As of today, most of the charges applied to my Red Card were NOT reversed and I am being asked to pay an accruing and running bill full of penalties/late fees. I tried to resolve this matter with TARGET regarding the issues that occurred on XX/XX/XXXX and XX/XX/XXXX, via telephone and by completing a TARGET Credit Card Fraud Claim Form but they have failed to properly investigate the matter and to resolve the matter. 

It is very strange that the FRAUDULENT CHARGES for {$170.00} and {$350.00} were removed by TARGET but the charges for the {$180.00} were not removed with ALL of these charges were made on the same date; same type of purchase ( online/gift cards ) ; and within minutes of each other. 

As of XX/XX/XXXX, I received a bill stating that I owed {$280.00}, which includes the {$180.00} FRAUDULENT CHARGES for the gift card on XX/XX/XXXX ; {$60.00} for the items ordered on XX/XX/XXXX ; and the continual late fees/penalties. 

I am asking for the FRAUDULENT CHARGES along with the CHARGES that were CANCELLED in the amount of {$280.00} along with any accruing charges and penalties be removed from my account and also for my credit report to be restored and for ALL reflections of late payments/penalties be removed from my credit report immediately. 

Attached you will find supporting documents and a letter explaining everything in detail to better assist you with your investigation. I tried to upload the supporting documents but the file was too large so I will have to mail them directly to your office but the attached letter will give you an idea as of what is going on with my COMPLAINT.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been sending XXXX & Transunion information regarding changes to my credit history, disputes and asking for a copies of my Credit Reports for around a year now, and have never received a response to any changes / disputes. Not eeven one Annual Credit Report has been provided in response to any of my inquiries. 

As I understand it, they have 30 days to respond, which must be made available to me by law. 

I have not received by mail or email any responses to the information that I have provided, and also not received an updated Credit Reports per the changes made.

Not even my annual Credit Reports have been provided to me. I need to be able to access my Credit Reports and changes on a more timely basis. 

I finally found out about and went to the " XXXX '' site to try to gain access to my reports myself. However, the process was very confusing ( asking me all questions that had to be answered : " none of the above '', which then made the site reject my ability to access a report ). 

After a few more tries, I finally was able to get past the identifying questions ( by practically guessing what correct answers they were looking for ). However, after requesting both my Transunion & XXXX  Credit Reports and after finally receiving the Transunion report, it would not allow me to proceed to receive the XXXX report. 

Then it wouldn't let me back in to get the XXXX report saying that it was no longer available online.
Product: Student loan

I thought this was included in my Ch XXXX Bankruptcy. Now, I have had XXXX different agencies calling and harassing me for payment between XXXX and XXXX.
Product: Checking or savings account

Debit cards that I no longer have, are being charged continously even though the cards are deactivated. I ordered a new card, there were charges on the card while it was in the mail before activated. Ordered another card with new numbers, same thing again charges to card before activation. I am XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I rely on every last penny to be able to eat and survive. I have had money stolen from me non stop for months. The bank can't tell me why or how to stop it. They just keep ordering me new cards and it's not solving the issue. I report a card as stolen, they still let it be charged non stop. I need help!!!!!
Product: Debt collection

This debt was sold once again after O have taken it off my credit report through the dispute process. Now they are trying to collect again.