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

Dear Transunion I want to 1st would like to thank you for working with me during these disputing of inaccurate and incomplete information on my credit file after asking you to reinvestigate the items that you stated that was reporting correctly on my credit file I have noticed a ton more of Violation of the FCRA that needs to be addressed from your agency and this is a NO NO FCRA state very clearly in order to report on a consumer 's report the information must report at 100 % correctly or the items must be deleted. Ok lets get started with XXXX XXXX account number XXXX balance amount for {$8600.00} they reported a 30 day late on XX/XX/XXXX I do have a canceled online payment that XXXX cashed a check on XX/XX/XXXX so that payment shouldn't have been late then I looked at XX/XX/XXXX they reported another 30 day late I also have a check that they cashed on XX/XX/XXXX..and beside the fact of the matter On XX/XX/XXXX That should have been a 60 day late but It's showing another 30 day late how is this possible???? see attached for Proof. and it's gets more Violation When I get to XX/XX/XXXX and XX/XX/XXXX Looks like they stopped reporting this is a incomplete and again Violation and has to be removed. Unless you plan to Investigate this account here is what I'm going to need from you is a payment history dating back on XX/XX/XXXX - XX/XX/XXXX But I'm asking you to delete this ASAP as you have wasted my time sending letters via US MAIL AND VIA the CFPB claiming to have verified this account And most of all you haven't investigated anything so please remove this account ASAP
Product: Student loan

I attended XXXX XXXX College back in XXXX for one semester before moving back to XXXX.. I received {$600.00} for my first semester and 2 semester I withdrew and returned my second semester check back to the school..in XXXX i started receiving calls about paying off my loans when I set up arrangements a year later my loans continue to increase.. im not responsible for any other funding sent to XXXX XXXX  College after I withdrew..
Product: Debt collection

This has removed 2 times and added back on and is causing unnecessary stress. Have asked to verify and they removed it and then re-added. Needs to be removed under the FCRA. Was removed XX/XX/XXXX and then re-added and also deleted XX/XX/XXXX and re-added again
Product: Debt collection

XX/XX/2023 Amount : XXXX ive been disputing this account, because I did not have possession of this vehicle. And I explain that over and over again to the company, my ex partner at the time had possession of the vehicle.I dont know this company call Viking client services , LLC
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act this creditor, XXXX XXXXXXXX XXXX  Account # XXXX, has violated my rights. 

Section 15 USC 1681 Section 602 which 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 1666B : a creditor may not treat a payment on a credit card account under an open end consumer credit card late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

Personal information on the below accounts are false. My information needs to be verified : Name, Social security, Address, Balance, Account number, Identifying the original creditor, Provide me with your license numbers and Registered Agent or Agent of Service. 

BK OF AMER Account Number : XXXX Account Number : XXXX Balance : {$15000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that many items on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous items that need to be investigated and corrected : 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

There are XXXX unknown accounts reporting and I need help because Equifax does not respond. There is an account ith Syncb/CCDS XXXX and Syncb/DISC XXXX. These are accounts that I am unfamiliar with and Equifax wo n't send me information showing me true validation.
Product: Credit reporting

I have an account from a creditor reporting erroneous and incorrect information to Experian, reporting on my personal credit file. I reached out to the original creditor XX/XX/2015 requesting they verify and validate the debt they claim I owe them, because of an issue with identity theft I had at the time the bad information began to report. Thecreditor refused to send me historical information about the account and directed me to dispute my inquiry with them directly with the credit bureau ( violation of my rights under FCRA ) I then disputed the accounts with Experian, by certified letter, asking them to delete the account from my bureau because the creditor was purposefully reporting bad information. 
Experian " investigated '' and reported back to me that they were only requiredto validate my accounts. They remained on my reports. At this point, Experian accepted information from the creditor, knowing it was in error, because they had proof that the creditor refused to provide me, the consumer, with they information I requested about the accounts. It is my understanding, by law, if I dispute an account with a creditor, they are to mark the account as in dispute ( they never did, another FCRA violation ) and not report additional information to Experian until they provide me with documentation validating the the amount of the debt they claim I owe them. I never stated to them that I refused to pay, only that I wanted proof of accounting of the debt, because I believed they allowed charges on my account that I did not authorize. 
I then requested by certified letter, for Experian to provide me with the Method of Verification that they used to continue to report bad information on my report, requesting that they send me the documentation that they received from the original creditor, and theyonce again refused to provide. They also stated to me that my re-investigation requests were excessive and irrelevant. I was being put in a corner because the creditor directed me to Experian, Experian directed me back to the creditor, and no one was giving me answers about the information this creditor is reporting to the bureaus. 
I believe Experian is processing my requests through their automated system XXXX, only. They are not reading or reviewing any documentation that I send to them, nor are they asking the creditor to investigate. They are taking the same information that the creditor has been giving them as if it is correct, knowing that I do not agree with and have been given no chance to review or dispute what is being reported while knowing that the creditor will not prove the amount of the debt they claim I owe them. 
I am lost as to what to do at this point, I am not able to get answers from anyone. This account is hurting my credit and my credit score, blocking me from getting new credit to re-establish myself. I want this account deleted from my credit report, this creditor needs to be investigated and a proper investigation should be done per my rights under the FCRA.
Product: Debt collection

I have never been behind with this company as soon as I went behind they non stop call me. I have received at least 10 calls a day. On X/X/18 I received 8 calls. After the first 3 calls I called them back and advised them they keep calling me over and over and this is against the law. They said I am sorry and then called again 5 minutes later.
Product: Money transfer, virtual currency, or money service

I have called, emailed XX/XX/2018 and tried to log into my account using the same credentials I set the account up with. After several months, the company, 'Coinbase Pro ' would not allow me to login and stated it did not recognize my device. It required me to upload my US gov issued Drivers license including the back ( with barcode ) over an unsecured transmission. A clear screenshot was required, or I could take a photo while accessing the device using my phone or webcam. Again, both methods are insecure and no one has legal right to store my ID or photos of me and the devices I use to access my accounts. I have received email correspondence from Coinbase Pro reiterating the same requirements over and over without resolving the matter or calling me to resolve the matter. 
I have purchased and traded with other exchanges and not had any problem between them ( XXXX ) until I changed my email address. Since they can not send me a confirmation by email and they have no other dual authentication set up it has been months since this began and it has not been resolved. 
I can not access : XXXX {$95.00} XXXX {$100.00} XXXX {$50.00} XXXX   XXXX TOKENS XXXX XXXX TOKENS XXXX
Product: Checking or savings account

I went on a cruise on XXXX XX/XX/XXXX and used my XXXX debit cards for purchases onboard the ship which placed a several holds, ( XXXX {$100.00}, XXXX {$100.00}, XXXX {$80.00}, XXXX {$53.00} and XXXX {$10.00} ). Upon my return my charges were settled totaling {$290.00}. On XX/XX/XXXX the charge of {$290.00} posted however, the holds ( pending authorizations ) were not released causing my account to show overdrawn- {$180.00}. I contact XXXX and explained the situation and was advised I would have to wait XXXX  days and the authorizations would be released. On the XXXX, the authorizations were still pending so I called XXXX back and was told the original information was incorrect and it was not XXXX  days but XXXX business day. I called today XXXX and was told by a supervisor that the initial information was correct that XXXX  days is the hold time before release but since the funds were not released then I would have to wait indefinitely for those holds to be released or I would need to contact XXXX to have them send an email to have the funds released. This has caused a major financial detriment. I am concerned about XXXXXXXX XXXX transaction hold processes. If I am being told that the process is XXXX standard days and the authorization holds should be released and they see that has not happened, they should have released the funds however, they are saying they won't be released unless XXXX sends that email and if XXXX does not send the email the money will remain on hold. That does not seem fair to the consumer nor does it sound like a good way to conduct business especially with other people 's money. am at the mercy of this company unless I can convince the merchant to send that email.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent XXXX, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.
Product: Credit card

Temporary change of address while on sabbatical ( XXXX/XXXX/XXXX and XXXX/XXXX/XXXX ) prevented Macy 's credit card statements from being delivered in a timely manner. Purchased goods at Macy 's with my Macy 's credit card in XXXX, Indiana on XXXX XXXX, XXXX. Amount charged : {$92.00}. My statement closing date for this account was in the first week of the month and generally fell between the XXXX and XXXX. The charges I made on XXXX XXXX were on a statement with a closing date of XXXX XXXX, XXXX and a due date of XXXX XXXX, XXXX. I did not receive this statement via USPS to my temporary address in XXXX. I received a statement from Macy 's with a closing date of XXXX/XXXX/XXXX and a due date of XXXX/XXXX/XXXX on XXXX XXXX, XXXX. This statement had interest charges of {$2.00} and a late fee of {$27.00}. Total bill : {$120.00}. I paid this bill in full, accepting the consequences of having temporarily changed my address twice. I paid it by EFT on XXXX XXXX, XXXX. The payment cleared and I did not use my Macy 's card again, nor did I receive a Macy 's statement until XXXX XXXX, XXXX when a letter from XXXX XXXX XXXX arrived, stating my Macy 's account was now in Collection, with a total of {$230.00} due as of XXXX XXXX. 
I telephoned URS upon receipt of the notice and the process of procuring missed statements began. XXXX XXXX, XXXX I received copies of the Macy 's statements I never received. XXXX XXXX, XXXX I spoke at length with XXXX XXXX, service rep at URS. This call proved to be worthless, since XXXX XXXX repeatedly informed me that she " could n't do any more with this. They ( Macy 's ) want ( s ) the whole balance. '' Calls to the Department Store National Bank were refused because they had referred my account to XXXX XXXX XXXX collection agency. 
Macy 's continues to accrue monthly interest fees and late charges to my account, and has done so even after I contacted URS to resolve the issue. I have not used my Macy 's card since XXXX, XXXX. As of XXXX XXXX, XXXX my alleged balance is {$270.00} and growing. 
I did not receive statements from Macy 's and I am certain the problem was from the temporary address changes while on sabbatical. Several other companies had first class mail returned to them even after we returned to our permanent home in XXXX, Texas on XXXX XXXX, XXXX. XXXX, XXXX XXXX and XXXX Bank also had mail returned to them. Our permanent address was not fully corrected until XXXX, XXXX. 
I have had a Macy 's credit card since XXXX. Records will show that all balances are paid in full. Additionally, my Target, XXXX, XXXX XXXX, XXXX, and XXXX XXXX are paid in full each billing cycle. 
I feel as though I have no recourse in this situation. XXXX XXXX, the XXXX representative, was no help, and I 'm unable to discuss this with Department Store Bank. I have operated in good faith to reach resolution. I have no problem paying what I owe but I refuse to pay the interest fees and late charges resulting in changes of address and errant mail return and forwarding.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, I made a TransUnion Account thinking that it was a free credit report. As it turned out, I found it wasn't free and it was false advertising to say that it was free, but instead a subscription service after my account was created. I was charged XXXX not knowing that. I have canceled my subscription, but I currently don't trust them in refunding the initial cost due to this occurrence alone.
Product: Credit reporting, credit repair services, or other personal consumer reports

All student loans were consolidated back in 2017. 

Several still appear on my credit reports ; erroneous to outstanding instead of consolidated. 

I have made payments for OVER Two ( 2 ) Years, CONSISTENTLY, Every Single Month - Yet the agencies and XXXX XXXX Student Loan servicing still shows me INCORRECTLY in Default! 

I Further REFUSE to sign their treacherous paperwork reaffirming this incredible, swelling debt beyond payday loan shark rates. It is one thing to pay for my graduate school education in finance, it is another to pay at rates beyond that of any mortgage, car, credit card or auto loan which would legally be allowed to be refinanced, let alone with CORRECT information! 

PROPER reporting is required! Show the on-time payments EVERY SINGLE MONTH!
Product: Credit reporting or other personal consumer reports

XXXX was XXXX of the first online ways to send $ and we thought it was backed by banks initially which is why I would choose that over XXXX. I'm not sure what " backed by banks '' means because it is the same with XXXX where if you accidentely send it to the wrong person, you can't get it back.
Product: Bank account or service

Wells Fargo, the worst bank ever, to manipulate your savings and checking accounts, to their benefit and create fees that lead to overdraft fees, when infact your account IS NOT IN A INSUFFICIENT STATUS! My wife and I are retired and on a fixed income. We have been banking with a local credit union for many years and a few years ago that there would be additional benefits to having another bank, so we opened a savings and checking account with a small branch of Wells Fargo, located in a XXXX store. We did notice when opening our accounts that the WF branch had " NO SECURITY '' what s ever. The Teller cages are in the open and banking clients are seated side by side and required to discuss their private and personal financial matters while being subjected to sharing a closet like room with the bankers and WF clients. This is totally against FDIC rules for privacy and security. We 've brought this security and privacy issue to the officers at this branch and they tell us that the WF home office is working on a plan, but this dialog just keeps going on year after year. My wife and I work with a WF assistance vice president/personal banker. We 've had the recurring problem, that Wells Fargo will manipulate our accounts, allowing them to charge fees for what they claim to be insufficient funds. They even charge fees to transfer OUR FUNDS from savings to checking. In seven days XX/XX/XXXX the stole a total of {$82.00}. When we went into the branch to discuss this issue with our WF ass't VP/personal banker, at which time she left this closet office, where my wife and I are standing shoulder to shoulder with other banking clients. She returned with a woman we had never seen or knew and this person proceeded to get in my face and without privacy or security and ordered us out of the WF branch, in front of XXXX and the whole world. Fortunately I walked away and since then I 've been attempting to have WF refund the {$82.00} they stole from us and now the Ass't VP, a employee of WF of XXXX years will not speak with us and refers us to the rude person who told us to leave their unsecured office. When I Googled ; Wells Fargo Complaints ; I could not believe what I was seeing. WF has XXXX of complaints for the very reasons we are requesting our {$82.00} to be refunded, which WF is dening. This is so WRONG in so many ways, and WF needs to make restoration to us and ALL the XXXX they are, have been and are continue to do illegally on a regular basis. Have you ever heard of the 21st Century Act, created by Busch, that supposively gives banks the right to extract funds from customers accounts without their knowledge and only finding out when WF notifies you that your account has insufficient funds and they'very charged your account with OD fees. 
WELLS FARGO NEEDS TO BE STOPPED FROM DOING THESE ILLEGAL ACTS OF THEFTS AND THE BANKS OFFICERS AND STAFF!!
Product: Credit card

I upgraded my TD bank credit card to TD cash as part of a promotion. According to the promotion if I spend {$500.00} in 90 days, I would receive {$150.00} back. I spent the {$500.00} within the 90 days but then it turned out one transaction did n't go through properly resulting in {$470.00} spend for the allocated 90 days period. I tried contacting TD customer service 3 times and every time I was promised a supervisor will get back to me but no one did.
Product: Credit reporting or other personal consumer reports

STILL WORKING ON THE ISSUE MEANS ABSOLUTELY NOTHING AND IS THE BIGGEST LIE THIS FRAUDULENT CROOKED COMPANY TELLS AS REQUESTED FORWARDED TO F.T.C AND D.O.J
Product: Credit reporting or other personal consumer reports

Upgrade refused to provide me a 1099-C for account # XXXX, that was opened on XX/XX/XXXX, when I requested a copy on XXXX XXXX at XXXXXXXX XXXX  and again on XX/XX/XXXX, at XXXXXXXX XXXX. It has been way over 30 days, and they still have not provided one to me. I would like a copy so that I can confirm the accuracy of that amount with the amount that is being reported on my credit report. Secondly would like to file the correct amount, the remaining balance after Upgrades available taxable deductions, from the account and file as taxable income on my tax return to resolve this debt. I was never given that option, yet I know for a fact that Upgrade did ALREADY file it as a write-off on their taxes because THEY ARE REPORTING IT as a write-off on my credit report. Now if they can not provide a 1099-C for they did not write off the account BUT are reporting my account as written off..then that is a violation and will be looking to sue for statutory fraud and inaccurate credit reporting at a minimum.
Product: Credit reporting, credit repair services, or other personal consumer reports

Reviewed my credit report and a medical account was added I am allowed under the HIPPA law [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996 ], to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX # XXXX to release my medical information to a third party. I am aware that HIPPA does allow for limited information about me but anything more than to XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX  # XXXX is to only be revealed with the patients authorization, therefore my request is two fold and as follows, Validation of Debt, and HIPPAauthorization.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX  XXXX auto finance Credit collection XXXX XXXX XXXX XXXX XXXX XXXX filing this complaint regarding an inaccurate item on my credit report that continues to negatively impact my credit. Despite my efforts to resolve this directly with the reporting agency, it remains unresolved, I request immediate investigation and removal of this item ( XXXX ) as it is incorrect and does not reflect my true credit history.
Product: Debt collection

The company is reporting bad info to XXXX XXXX this is not my acct. and the date being used asthe date couldnt be right I thought first time of deliquency is the date XXXX thats the case this is impossible