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

I am really infuriated now! As if all the efforts Im putting into this are non-sense, you are so negligent! What is happening over there at the CFPB and Transunion?! Are guys playing around? Well, let me say to you that I am not! I am so stressed that you are just ignoring my request to DELETE the fraudulent accounts from my Transunion report. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Transunion is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotionally, physical & financially... and I would truly not what to pursue a legal remedy... 

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

right to financial privacy act 1681 sec 2 prompt notice of dispute to furnisher of information you had five days to do so and you have not so this is a violation and i sent certified mail sent XX/XX/2023 number XXXX everything wiped off as XX/XX/2023 and XXXX dollar fine right to financial privacy act 1681 sec 2 prompt notice of dispute to furnisher of information you had five days to do so and you have not so this is a violation and i sent certified mail sent XX/XX/2023 number XXXX everything wiped off as XX/XX/2023 and XXXX dollar fine right to financial privacy act 1681 sec 2 prompt notice of dispute to furnisher of information you had five days to do so and you have not so this is a violation and i sent certified mail sent XX/XX/2023 number XXXX everything wiped off as XX/XX/2023 and XXXX dollar fine
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a debt owed to XXXX XXXX. The problem is 2 separate collection agencies are reporting that they own the debt and I currently have 2 negative reports on my credit. I have disputed both charges between XXXX XXXX XXXX as well as midland funding. They both claim to own this one debt, have added on fees and are trying to collect on it.
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is a formal complaint that you are reporting inaccurate and incomplete credit information which violates section [ 15 U.S.C. 1681 ] of the Fair Credit Reporting Act. 

Your corporations are continuously reporting inaccurate information pertaining to XXXX XXXX ( account # XXXX ) which is a charged-off account. The above-mentioned account has been disputed on several different occasions and has been verified as accurate but I am still seeing many inaccuracies. There are 3 different dates for the last time the account was allegedly reported ( XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX. There are different dates for the date the alleged account was opened ( XX/XX/XXXX, XXXX XX/XX/XXXX ). Additionally, there are different dates for the date the last payments were allegedly made ( XX/XX/XXXX, XXXX XX/XX/XXXX. Also, the amount of the high credit limit has different amounts being reported ( $ XXXX XXXX ). The account is not showing a past-due balance. There are also discrepancies in the date the account was last active ( XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX. Furthermore, Equifax, LLC isn't reporting what type of account is. How can you report an account on my credit profile but fail to mention what type of account it is? 

I am requesting that this account be removed immediately from my credit profile. 

Furthermore, if your corporations continue to violate federal law, I will proceed with a civil litigation suit for monetary damages.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX put me in collections and is hurting my credit big time my ex husband used my name for insurance and was not responsible to take care the payments so now As a XXXX  parent I am supost to pay some bill that is not mine! Caine & wainer is putting my credit score down and I dispute this many times and nothing ia getting done! If was my bill no problem but I cant pay some that is not mine
Product: Prepaid card

haveing to get a replacement card i then called the corisponding number to activate it. later tried to check ballance and was told in text that i had invalid information and to call again consumer service and was transfered to a number towitch i got no responce all the numbers for XXXX XXXX  were used with no answers
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my CFPB Complaints # XXXX, XXXX, and XXXX was closed last XX/XX/XXXX. Again, I would like to submit my complaint to inform you that I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im as tickler for research, I found that under section 605b of the FCRA the credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block these files. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

I received a copy of my credit report and found the following items to be an error. 

XXXX XXXX OPEN DATE : 12/19/2019 - ACCT XXXX XXXX HIGH BAL : {$3300.00} BAL OWED : {$3000.00} Under 15 USC 1666b, A creditor may not treat a payment on a credit card account under a consumer credit plan as late for any purpose unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21days before the payment due date. I NEVER gave EQUIFAX Reporting Agency OR XXXX XXXX any written instruction to furnish any information on my consumer report which is a violation of 15 USC 1681b ( 2 ). EQUIFAX Credit Reporting Agency has caused XXXX XXXX XXXX XXXX due to its abusive and unfair practices. This is a violation of 15 U.S. Code 1692 ( a ) Abusive Practices,15 U.S. Code 1681b ( 2 ), and 15 USC 1666b to which there exists liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for $ XXXX per violation, for unauthorized credit reporting listed without my expressed written consent.
Product: Credit reporting or other personal consumer reports

recently review a copy of my credit report and notice I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.
Product: Checking or savings account

XXXX XXXX dollars - XXXX XXXX XXXX XXXX This is a Bank of America account with about XXXX XXXX dollars, when I call they have no trace of my account and have told me there is nothing they can do about my money. Plz help me recover my money as I will pay you extra once we get the account back. The owner of the account is XXXX XXXX or my other name ( ( XXXX XXXX ) ) XXXX
Product: Debt collection

Stop harassing me. This is emotional abuse. You have been harassing me for close to 10 years, this is sad and pathetic. You think that because you think your a lawyer that it is okay. Please this is sad that you feel you can push people around especially single mother attempting to provide for her family.
Product: Credit reporting, credit repair services, or other personal consumer reports

UNAUTHORIZED INQUIRIES THAT DONT BELONG
Product: Credit card or prepaid card

Company closed my account without notification, sending incorrect information to Credit Reporting Agencies there by Defamation of Character
Product: Debt collection

Creditor sent a demand letter to consumer on XXXX XXXX, XXXX. Consumer responded on XXXX XXXX, XXXX with a letter asking for verification of the validity of the debt. It has been over 3 months, and creditor has not responded to the request. Creditor 's failure to respond to a consumer 's good faith request for documentation makes it impossible for the consumer to make an informed decision regarding the debt alleged. This is a violation of XXXX XXXX, and other federal acts which require lenders and debt collectors to act in good faith and refrain from unfair deceptive or abusive acts.
Product: Credit reporting, credit repair services, or other personal consumer reports

he following accounts were not opened by me, nor was service received. Please deleted them from my credit report : XXXX BANK, XXXX. ( The company stated they would delete the account since it was open fraudulently, however they only closed it ) please delete account. XXXX XXXX XXXX XXXX ( was not opened by me please delete the closed account ) The following inquiries were not done by me, so please delete XXXX XXXX COMP XXXX, XXXX XXXX XXXXXXXX XXXX XXXX  SER XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to delete the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 purchased three vanilla visa gift cards in the past two days someone got into them and took all the money. These events happened between XX/XX/2022 - XX/XX/2022. The amount of money that was taken was about XXXX XXXX I contacted the company two times already and they have barley done any action. I also contacted XXXX and they said I had to take it to the gift card company.
Product: Credit reporting or other personal consumer reports

I've sent letters to all 3 of the credit bureaus as well as the companies individually regarding inaccuracy reporting on my credit report of Inquiries I did not authorize and in accordance FCRA I'd like the inquires to be removed immediately. The list of inquires amongst the 3 bureaus as listed XXXX EQUIFAX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EquifaxXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 purchased two MasterCards ( {$200.00} each ) from XXXX XXXX at XXXX XXXX XXXX, California store on XX/XX/2019. During the check-out process, one of them wasnt activated at all and they refunded me immediately ( {$200.00} ). Another card got processed successfully and my credit card was charged in full ( {$400.00} ). However when I tried to register the " activated '' card their website said the card wasn't activated and I couldn't register it and the balance was XXXX. 

Since then I have had several calls with BlackHawk customer service ( XXXX ) and was told to fax in details during every single call because they kept saying they didn't receive the fax. I have done faxing for six times on XX/XX/2019, XX/XX/2019 and XX/XX/2019 ( every time I faxed twice and all of them were successful from my end ) but still didn't get any response from them until today XX/XX/2019. 

The worse thing is now I can't even call their number using my cell phone because their phone system seems to automatically block my number. I tried another two different landlines during the last week and both of them ended up getting blocked after first time successful call. 

Now I'm stuck with one piece of plastic card which caused my {$200.00} and have no way to get my money back because all the phone numbers I used to call are now blocked by them.
Product: Debt collection

I have graduated college ( XXXX college ) XX/XX/2016, and I didn't own the college any money. Shorty after, about a year after I started getting phone cals from college after I already graduated and received my college diploma. The phone calls from the school said that I own the school {$3700.00}. At first I thought it was my loan which I already repaid it so I just ignored it, but shorty after I received a phone call from collection agency that were telling me if I don't pay this, they will ruin my credit score. I went to school to find out what is going on and the financial advisor told me that one of the semesters XXXX didn't cover me and therefore now I'm responsible for this payment. I feel this is wrong because when I took the classes, the school told me I don't have to pay anything. If they told me at this time I will need to pay this amount I would most likely take this classes in a XXXX school since it is cheaper there. Now the school doesn't want to help me get to the bottom of this because they said now I have to deal with collection agency. Im a single mother and make {$1200.00} and can't pay this amount. Collection threaten to ruin my credit t. The collection agency never send me any letters, only phone calls so I don't have any documents to attach.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information were erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I applied for a XXXX XXXX card, run through Comenity Bank, and was approved. I never received the credit card as it shipped to a location I could not receive it at. I called several times when I received an email about a payment being due from an online purchase made by one of their sales associates ( as I did not have a credit card I could use to make the purchase ). I tried to get the card sent to a different address. I offered to verify my identity using my SSN, or any other PII they had on me. They refused to verify my identity, or send the credit card. Without verification, or an actual credit card, I could not access my account, view my bill, or even get my account number. I also was unable to make any purchases. I told them I would not pay a bill that I was not allowed to review, or for a card I was not able to use. I then closed the account. They have now been harassing me non-stop for months on end. It is my understanding, following some light research after this incident, that they are only supposed to call up to 7 times a week. On average, I get around 5-7 phone calls every single day, sometimes more. This is harassment and totally unacceptable. They also block their caller ID, which it seems they are allowed to do, but is still very deceptive.
Product: Credit card

On XX/XX/year> I called synchrony to make a payment arrangement for my bill that would be due for the month of XXXX ; my bill due date is always due on the XXXX day of the month for each month. To avoid future late fees ; because I knew I wouldn't be able to make the payment on the XXXX of XXXX I called synchrony to make said arrangement. I was transferred from an automated system to a live agent of whom I made the arrangement with for me to pay my bill on XX/XX/year> without occurring a late fee. Synchrony still charged me a late fee for the month of XXXX for missing my payment date even though I called to make a payment arrangement. I spoke with XXXX different agents on XX/XX/year> and both agents said that the prior agent I spoke with on XX/XX/year> not only did not notate my account that I would be making the arrangement but I would still incur a late fee that they could not reverse.
Product: Bank account or service

About two weeks ago I see on my bank account that XXXX had taken out {$210.00} or so and I was thinking for what, because my wife always pays that with her card! I do n't make much money, and I am XXXX XXXX XXXX already. I called XXXX and they charged both our accounts and they said theycould n't do anything about at this point and call my bank to get my money back! So, I do so and the customer service rep was horrible! I said I wanted to get my money back cause I did n't and never authorized this charge, and right away the rep tells me to call the merchant, and I explain I did, and then the rep says we ca n't help you and hangs up on me! I was thrown back. I know bank of America and me had our differences before, but they took care of me in the end I wo n't lie, but this time I need the same help. I am old and live on a day to day basis. I ca n't afford to loss money like this! I just hope they reimburse me that money back, cause I love bank of America and want to be with them long term as a customer, but when I call thinking I will get help on my situation and it does n't happen. These processes are not fun, and I do n't try to get over on anyone, I just know when a wrong doing was done, and hope when they do happen my bank had my back as a loyal customer!
Product: Credit reporting or other personal consumer reports

PLEASE I'M BEGGING YOU TO UPDATE MY INFORMATION IN YOUR SYSTEM, I HAVE ATTACH MY DOCUMENTS FOR YOUR REFERENCE, I'M LOOKING FORWARD TO SEEING MY INFORMATION ACCURATE SUCH MY ADDRESS, THANK YOU!
Product: Checking or savings account

This account was closed without my authorization. It had two names on the account. The other person closed our account without asking me. And took the funds.
Product: Credit reporting

One day my credit score goes up XXXX points without me doing anything, the next day it drops XXXX points without anything happening.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is harrasing me with misleading information credit scores and trying to sell me a XXXX booster advertisement in all my XXXX and many open CFPB complaints I have provided them as well CFPB supporting documents and there response is proven not a mistake but a XXXX XXXX  legal team has been advised that I initiated a law suit and there now taunting me with lyes and inaccurate accounts refusing to remove I am asking CFPB to inforce or refer this as harrasement and there inaccurate responses to me is now causing a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX -ALL CORDSPONDENCES TO GO TO MY ATTORNEY OF REPERSENTATION OD I WILL BE FIRST THING AT XXXX XXXX TO DEAL WITH THIS ON A OERSONAL LEVEL STOP STOP STOP ALL COMUNICATION WITH ME NOW NO JOKE
Product: Credit reporting, credit repair services, or other personal consumer reports

I 've disputed accounts in the past and even recently and they are still reporting! I have become a victim of your credit reporting issue were put on my credit report I have no knowledge of. I have no reason to apply for anything, my information has been compromised several times from bank cards, ssn, etc. and now people are apparently applying for credit with that said information. I have an ID Care account given to by the government for the misuse of my compromised information I can provide along with the XXXX breach and fraud on my debit cards for the last 2 years. 

XXXX XXXX XXXX XXXX - Opened XX/XX/XXXX ( reported as fraud ) XXXX XXXX XXXX - Opened XX/XX/XXXX XXXX XXXX - Opened XX/XX/XXXX ( i was on XXXX XXXX - not possible ) XXXX/XXXX XXXX XXXX - Opened XX/XX/XXXX XXXX XXXX - Opened XX/XX/XXXX Late payment XX/XX/XXXX for ALL Dept of Ed accounts