23daVinci/CFPB_Complaints huggingface dataset:
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 federal protected consumer rights to privacy and confidentiality under 15 USC 1681, 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 without my written instructions. 

XXXX XXXX XXXX  New Credit Inquiry Added Applying for a new line of credit will usually result in a hard inquiry on your credit report. You could also see inquiries from applications for a new apartment, phone or utilities account. Each hard inquiry will typically lower your score a bit, though the effects often wear off after a few months. 

XXXX XXXX XXXX XXXX XXXXXXXX Collection Balance Increase of {$1.00} There could be a few different reasons why your balance increased. For example, the collection agency may have added interest charges to your balance or your balance may have been updated to correct a previous reporting error. While the balance change itself won't necessarily impact your score, having an account in collections is generally harmful to your credit. 

XXXX XXXX XXXX Balance Increased by {$1.00} It looks like your balance went up. This could be the result of a missed payment, which can have a negative effect on your score. Your total debt also typically factors into your credit score, so it's best to keep it low if you can. 

XXXX
Product: Credit card or prepaid card

In XX/XX/2022 I was charged for a hotel room that I did not book. The hotel charged me for two rooms, I stayed in one room and paid for that room. The hotel agreed on several contracts to reverse the second room but never did. I contacted B of A and they have refused to help with this problem even though they advertise they protect their customers from unauthorized charges. The balance on my account consists of the unauthorized charge plus the bank charges they have added. I have XXXX + years of excellent credit and now because of there negative actions I do not. This is false advertising on their part.
Product: Credit reporting, credit repair services, or other personal consumer reports

To update my current dispute at XXXX XXXX, C.F.P.B. number XXXX, which is still in process, I am including the Lawsuit Copy received at the Clerk 's Office of the U.S. District Court for the District of XXXX XXXX XXXX Yesterday, XXXX XXXX XXXX I filed a lawsuit against XXXX de XXXX XXXX XXXX, known as XXXX 

XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX de XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collections XXXX. 

Because, on my sixth visit to XXXX. for the complaint number above, I finally confirmed it is XXXX XXXX XXXX XXXX XXXX the one that against the Laws and with a discriminatory conduct, decided not to report the payments coming from my savings account at the same XXXX as payments, knowing it is a secured loan precisely to be able to use the savings there as a back up in case salary is lost. 

Because her un justifiable and illegal conduct, I included Fair Credit Reporting Act Violations, Fair Debt Collection Practices Violations, and XXXX Disrimination. 

She also decided not to report the whole payment history of the loan and an incomplete payment history of my payments paid personally.
Product: Credit reporting or other personal consumer reports

I previously sent a letter requesting that you reinvestigate the disputed account on my credit report and update it accordingly during the investigation period. However, as of today 's date, I have not received a response to my request. 
XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX LA XXXX XXXX XXXX XXXX, XXXX, LA, XXXX, LA, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX, XXXX XXXX CT XXXX, CA XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXXXXXX Balance : -, XXXX XXXX  XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : -, XXXX XXXX XXXX XXXX XXXX Balance : {$850.00}, XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$200.00}, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : -, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$970.00}, XXXX  ( Original Creditor : XXXX XXXX XXXX  XXXX ) XXXX Balance : {$180.00}, XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$810.00}, XXXX XXXX NA XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXXXX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

The bill reported by Trogan was paid several years ago and was removed by XXXX XXXX, however you show it still being owed.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 6th Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any account which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 am writing to express my serious concerns and to follow up regarding multiple unsuccessful attempts to remove fraudulent items from my credit file. I have attached relevant documentation, including previous dispute letters and supporting evidence, for your reference. I first contacted the Credit Bureaus to dispute the presence of fraudulent items on my credit report. These items are inaccurate and needs to be removed. I provided evidence supporting my claim that these items are indeed fraudulent and should be removed from my credit report. Despite my repeated attempts, the fraudulent items continue to be listed on my credit report, negatively impacting my creditworthiness. I believe that this situation is not only affecting my financial well-being but also causing me undue stress and frustration. I request that you take immediate action to investigate these fraudulent items and remove them from my credit report : XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX Bankruptcy XXXX Filed/Reported : XX/XX/XXXX Reference # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

All three credit bureaus are not reflecting my Student loan has been paid in full for XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have sent pay in full letter to all three bureaus.
Product: Money transfer, virtual currency, or money service

Dear Sirs. 
A XXXX citizen permanently resident in XXXX contacts you. I have a conflict with Wells Fargo bank regarding my {$4000.00}, which I ask for your help in resolving. The essence of this conflict is as follows. 
I am a law-abiding citizen, a XXXX and a XXXX person, regularly pay all taxes. The amount of {$4000.00} is very large for me, and I have been saving it for more than three years because it is equivalent to my net income for one and a half years. At the end of XX/XX/2019, in order to purchase XXXX presents for me, I wanted to transfer this money from my dollar account in XXXX to my friend in the USA on his current account with Wells Fargo bank. But due to technical errors of the employees of my bank in XXXX, the operation was performed in the amount of XXXX zlotys from my other current account. Accordingly, the amount was sent about 4 times less than I wanted. After discovering this error, my bank, with my consent, returned this amount of XXXX zlotys to my current account in XXXX, and on XX/XX/2019 I again sent the correct amount of XXXX dollars to the USA. But for some reason, this money was not credited to my friends bank account in the USA for a long time. I began to worry and on XXXX demanded through my bank a refund of this amount of XXXX dollars. However, the return was not made within a reasonable time. Therefore, on XX/XX/2019, I wrote an email to Wells Fargo bank in the name of XXXX XXXX XXXX, Senior Executive Vice President, Community Banking and Consumer Lending. But as a result of XX/XX/2019, I received a completely empty answer from another employee of this bank with a proposal to call her on the phone. I am a XXXX  citizen and XXXX, I dont have money to call the USA. Therefore, on XX/XX/2019, I filed an appeal with my bank and, just before XXXX, on XX/XX/2019, I received a response from my bank instead of a gift, which simply shocked me with its contents, that according to information received from the correspondent bank, the Wells Fargo bank refuses to return the money. Thus, Wells Fargo bank, with which I do not even have partnerships, has appropriated all my savings in more than three years. An employee of my bank in XXXX recommended that I contact the Consumer Financial Protection Bureau for help.
Product: Credit card or prepaid card

CapitalOne won't let me connect my personal finance service/benefit to my CapitalOne account to help me track my spending. 

As a consumer, I have every right to access that information using services I deem appropriate.
Product: Credit card or prepaid card

card is set up on autopay has been for about a year. all of a sudden in XXXX the auto payment did not go through, and i got a late fee. I called capital one and they say they have no information as to why it didn't go through, I told them it's a bank error but they are saying it must have been something you did. I'm telling them I am looking at the online banking now and i still see that its on autopay so how is it something i did? XXXX went through perfectly but not XXXX? i am asking for capital one to fix this bank error.
Product: Credit card

On or about XX/XX/year> I called American Express to cancel a business credit card. There was an outstanding balance on the card, but assumed I could pay it after the card was closed. Importantly, I was never told by the agent on the call that payments would be rejected after the card was closed. After I closed the card I made the payment on the outstanding balance. The payments however keep getting rejected. This has caused my consumer credit card to continually get declined. I called American Express to explain the situation and they were unable to help until they could verify funds, but my bank is closed on the weekends. I have been unable to use my consumer credit card because American Express did not tell me I had to make a payment before closing my business account.
Product: Credit reporting or other personal consumer reports

While checking my personal credit report, which I acquired fromExperian, XXXX, XXXX. I noticed an unauthorized inquiry made by your company XXXX XXXX XXXXXXXX on XX/XX/year>. I did not authorized anyone employed by your company to make an inquiry and view my credit report. You have violated the Fair Credit Reporting Act Section 1681b ( c ) .You are not legally entitled to make the inquiry. This is a serious breach of my privacy rights. I request that you either mail me a copy of my signed authorization form that gave you the right to view my credit within five ( 5 ) business daysso that I can verify its validity.
Product: Debt collection

I am writing to file a formal complaint against LVNV Funding LLC, a collection agency that has been violating my consumer rights under various consumer protection laws. 

Violation of 12 CFR 1006.34 ( b ) ( 5 ) : LVNV Funding LLC has failed to provide me with the required validation information regarding the debt they are attempting to collect. I have not received any documentation or validation of the debt, which is a direct violation of 12 CFR 1006.34 ( b ) ( 5 ). 

Violation of 12 CFR 1006.34 ( c ) ( 4 ) ( i ) : I have not been given the opportunity to dispute the account in question. LVNV Funding LLC placed a collection on my consumer report without providing the necessary information and without giving me a chance to dispute the validity of the debt. This is a clear violation of 12 CFR 1006.34 ( c ) ( 4 ) ( i ). 

Violation of 12 CFR Part 1006 : LVNV Funding LLC has been using false, misleading, and deceptive means to collect the debt. They have misrepresented the amount of the debt and have used threatening language in their communications. These actions are in violation of 12 CFR Part 1006, which prohibits debt collectors from engaging in deceptive practices. 

Violation of XXXX XXXX  XXXX Statute of Limitations : The statute of limitations to collect this debt in XXXX XXXXk XXXX has passed. According to XXXX XXXX XXXX laws, the statute of limitations for debts is three years. LVNV Funding LLC is attempting to collect a debt that is beyond this period, which is an additional violation of my consumer rights.
Product: Credit reporting or other personal consumer reports

I leased a vehicle from XXXX XXXX on XX/XX/year>. XX/XX/XXXX, I hadn't received any information about my account to make a payment. I contacted GM Financial and they had no record of my lease but had my old car that I'd traded in still under my name. I messaged XXXX XXXX the same day at XXXX and received a response at XXXX that they were passing the issue to management. Over the last 3+ weeks, I've gone back and forth with the dealership about signing a new lease that they said was required because GM Financial rejected the original one due to accounting errors. They have continued to run my credit over and over again for no reason, impacting my score and not all of the credit reporting agencies will remove repeat hard inquiries. I need help with this and to ensure this doesn't happen again. The new leases they sent all had mistakes and changed information until I demanded all of the numbers match the original agreement. This is absolutely not okay. I have less than 30 days before my temp tags expire and I'm not sure I'll have my registration in time.
Product: Debt collection

I inquired about a debt reporting on my credit report. I have reached out asking for documents stating the debt I owe. I have not been provided any documentation. Instead I was given a copy of an affidavit stating Persolve Legal Group purchase debts from XXXX. I am requesting again a copy of the debts that you say I owe, a copy of the contract with my name & signature, and a copy of a 1099c if applicable. You are reporting false information on my credit report which is damaging my credit report. Also, you are reporting late payments for a debt I do not owe you. Please provide the agreement I made with you.
Product: Checking or savings account

Skrill has restricted my account and asked for a debit card statement to be uploaded to verify my address. I did it, but they keep rejecting my document.

I read online that Skrill deliberately restricts accounts and does not have any accountability on lifting restrictions despite it holding people 's funds in it.

I even send a word file that shows the statement adn the card number, since the rejection is because the " card doesn't match '', which is incorrect.
Product: Vehicle loan or lease

I was behind XXXX payments on my car because of personal issues. I travelled overseas to take care of my mother who was on her final days. While I was there, I tried to make a payment online and I was not able to. I called Ally financial and sent them so many emails which I will attach. I called the company so many times and the phone was hanged up. I came back XXXX days ago and my account was charged off like XXXX days before I arrived. When I contacted Ally, I was told by customer service that I was irresponsible and nothing can be done. They were so mean.
Product: Credit reporting or other personal consumer reports

I received my credit report from Equifax, XXXX and XXXX on XX/XX/2024 and notice there were hard inquiries that dont have permissible purpose to be on there. These hard inquiries are hurting me for getting approved. I already reached out to the credit bureaus about this multiple times they keep violationg my rights under 15 USC 1681b. I also have attach the hard inquiries that dont have no purpose to be on my credit report. 

XXXX ) XXXX XXXX XXXX
Product: Debt collection

On XX/XX/XXXX I made a full payment to Online Services, a debt collection agency. I have been waiting a proof of payment letter. On XX/XX/XXXX I called to request another letter be sent to me. Per a conversation with one of the call takers, the request would take 10-15 business days. On XX/XX/XXXX I called and spoke with a floor supervisor and she advised me that the only way to correspond with Online Services was through standard mail. It has been over a month since the payment was made and almost a month since I have requested a proof of payment letter and Online Services is doing nothing to rectify this situation. Furthermore, the account is still being reported to my credit. I understand that this may be on XXXXs part. However I find it peculiar that I paid other collection debts the same day (XX/XX/XXXX ) and some before the day that I paid Online Services and those amounts have been corrected on the same Transunion report. I understand that things happen with the mail, however, Online Services has done nothing on its part to help correct this situation. Online Services decision to do nothing about this after multiple calls of complaint speaking with two supervisors ( a woman on XX/XX/XXXX and XXXX on XX/XX/XXXX ) as well as the collections account manager XXXX, is unprofessional and unacceptable and has caused delays in my financial life which is causing strife within the rest of my life.
Product: Money transfer, virtual currency, or money service

Someone fraudulently use my phone number to complete a transaction to someone else in dear account Misleading information using a phone number thats related to me
Product: Credit reporting or other personal consumer reports

I have tried to get my credit report from all three Consumer Reporting Agencies and these companies will not provide it. I have disputed items that are old, unverifiable, incorrect, and unauthorized. For example, my bankruptcy XXXX states they verified it but I sent XXXX a letter from the Court which states the Bankruptcy Court does not provide information to credit reporting agencies. There are inquiries from XX/XX/XXXX about nine of them and I only authorized one which was XXXX XXXX. I didn't give XXXX XXXX permission to run my credit like that. 

I sent letters out on XX/XX/XXXX, and again on XX/XX/XXXX, and I have not received a response from the big three as they are called. I have tried calling and all I get is being transferred throughout the companies or putting me on hold forever and hanging up on me. And now I can't get my reports even through XXXXXXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

There a lot of hard inquiries that dont remember applying on credit report that I would like to have all of them removed for they can stop hurting my XXXX 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 n i made this clear for 60 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 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three 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 60days 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 21 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 XXXX XXXX daughter  PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Debt collection

I check all three of my credit reports weekly as I am building to an idea score so i can rent a townhome and have had false reports on my statements before that damaged my credit. On XXXX XXXX I discovered a collection account on my XXXX and XXXX reports from XXXX XXXX XXXX for {$430.00}. It claims the account was opened in XXXXXXXX XXXX XXXXXXXX however through XXXX XXXX I've not applied for any loan or given my information to anybody nor have I received any communication or mail that a loan was given out in my name or in jeopardy of being in collections. I tried contacting XXXX who were the original creditors, it was stated they had no record of me applying for any loan or receiving one and that I would need to discuss the matter with the collection agency which is has prompted me to open this investigation. I have not applied for any loan or financial assistance since XXXX and all my collections were paid i moved to a new location and updated all my addresses prior to XXXX and am unaware where my information could've been gathered to use for this purpose. i spoke to XXXX XXXX XXXX today updated my contact info since the address and number the had were not accurate and have asked for validation of debt.