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

I have had numerous issues with XXXX XXXX over the past XXXX years, including XXXX false charges that I disputed that were kept on the acconunt. The third and most recent one is for {$500.00}. When the charge was present I overpaid the account to cover the charge. I then stopped using the account as I was extremely dissatisfied with the lack of customer service and lack of investigation into my issue. Thus, I am owed this money since I paid the account to keep it current during the dispute. 
I have contested this dispute and provided dozens upon dozens of documents and files with information ; NONE of which were reviewed - my queries were responded to by a chatbox immediately, without sufficient time for a human to read the text or open the documents. I submitted additional information. I have filed complaints before and XXXX does NOT return my phone calls as they promise. I have been calling for over half a year at this point and have not gotten a SINGLE phone call back to discuss this issue. Instead, upon my last complaint, XXXX closed my account, without refunding me any of the false charges from the past XXXX years - the most notable XXXX of which this {$500.00} that was charged in a scam. The fact that XXXX keeps allowing scam charges to appear on accounts and expects people to pay them is straight up theft. Further, XXXX reported this incorrectly to the credit bureaus, which now shows up on my report. In 30 years I have never so much as carried an account balance, let alone paid late or missed a payment, hence my perfect credit score - this must be XXXX 's attempt to make money off of people they wouldn't otherwise be able to make money from. I am beginning to wonder if XXXX is a partner of these scam artists as this is the only way they seem to make money off someone who always pays their bills. Now that my account is closed there is no way to log in or see account info and I am still owed money, yet XXXX is inaccurately reporting it as delinquent. AGAIN, I HAVE CALLED AND WRITTEN TO XXXX  AND CAN NOT GET A SINGLE RESPONSE TO MY CALLS, QUESTIONS, QUERIES, OR COMPLAINTS. The very few times I got someone on the phone after hours of holding they said someone would call me and no one has. They have also given my account information to other users who were removed as authorized users years ago and they claim they were not.
Product: Credit reporting, credit repair services, or other personal consumer reports

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS, I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. ITS HAS NOW BEEN OVER 30DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE NOT YET TO RECEIVE ANY REPONSE. 

INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020
Product: Debt collection

I called the collection agency and advised I will make a payment on a successive months until the balance is zero. 
I spoke with the management for further assistance due to my financial hardship at the time. 
She advised my payment will be accepted but never advised from any of the collection agency representative that I will be reported for 3 credit bureau including the XXXX. 
I called back and reconfirm that there is no credit bureau reporting on me. 
I am totally disappointed by this company collection practice and communication. 
I have never received a bill for my total balance owed. 
The report in my 2 credit bureau shows a balance of XXXX dollars. 
However, My phone conversation with the representatives states a balance of XXXX dollars. 
The company has mislead me by not telling me that after certain date they will report me to credit bureau. 
The company mislead me for stating wrong amount of debt owed ( the credit bureau showed XXXX while representative told me XXXX ). 
I did contact collection agency and I expressed my benevolence to settle per my ability. 
And I made XXXX payment for consecutive months for a total of XXXX dollars. 
This is unfair and reputation damaging business practice for a committed citizen who wants resolve dispute for fair and square way. 
I do n't even know when if there is a rule that says you do n't have to let or communication with consumer about their account status. No XXXX, XXXX or XXXX notice given to me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Account Navy Federal -Acct # XXXX XXXX and XX/XX/XXXX,, XXXX XX/XX/XXXX, XXXX XXXXXXXX Acct # XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Dept of Education ( This was deferred and I was on XXXX XXXX- XXXX has violated my rights. 
15-USC 1681 Section 602 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 an account under an open-end consumer plan as late for any purpose. 


Thank You.
Product: Credit reporting, credit repair services, or other personal consumer reports

The is my THIRD!!! dispute letter and the account listed below is reporting inaccurately on my credit report and it is in violation of The Federal Law. This is in Violation under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) and Section 623 of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately. 
-XXXX  XXXX # XXXX ( PIF ) -XXXX XXXX XXXX XXXX # XXXX XXXXMONEYLION INC # XXXX
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. i had two late payments on an account that i was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments i've attached a copy of my report to this complaint on the following dates ( XX/XX/year> ) I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.
Product: Credit reporting, credit repair services, or other personal consumer reports

I notified XXXX and TransUnion by mail of my only existing name, address, phone number, and Employer in XXXX of XXXX. 

My XXXX report as of XX/XX/XXXX still shows XXXX different names ( all of which are incorrect ), 3 different phone numbers ( 2 incorrect ), and employer I do not work for. I have made several attempts to contact XXXX by phone since and have not gotten through. 

My TransUnion report as of XX/XX/XXXX still shows the wrong Employer. I have made several attempts to reach TransUnion by phone sine XXXX of XXXX unsuccessfully.
Product: Payday loan, title loan, personal loan, or advance loan

I have a couple loans I've set up through Affirm over the years and have always made payments on time and never had an issue. Back in XXXX my identity was stolen and the hackers were able to take a loan out for over {$1800.00}. I have called Affirm multiple times and spoken to multiple people and have received multiple case ID 's. I wait for a response and never get one so I call and give the case ID and they always say they cant find it and I have to start all over. I need this loan to be taken off and I don't have access to my account to make payments on the ones I did authorize. No one is helping XXXX and I never get any further information once a case ID is given to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have three Navient tradelines which incorrectly show delinquencies which are negatively impacting my credit and affecting my ability to provide a roof over my families heads. In all cases I was told by Sallie Mae/Navient representatives that the forbearance 's granted would cover all missed payments and therefore no missed payments should have ever been reported. Attached is proof where the forbearances were granted and language within the forebearance approval or correspondences clearly show I the customer was lead to believe the forbearances were retroactive. I am prepared to take this to my attorney with the intent to file a class action suit because I am positive others have been mislead as well.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to Human Trafficking debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of human trafficking of Debt Bondage and would like for all listed accounts to be blocked and deleted company information from TRANSUNION. Please delete the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Checking or savings account

My wife signed up for a free subscription and it wasnt what she thought it was so she cancelled the subscription right away before I could be charged but somehow they still had our banking information and charged us for something we literally canceled while on the free trial period on XX/XX/2024 in the amount of XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA XXXX ( XXXX U.S.C. XXXX ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
THE XXXX XXXX XXXX ( Original Creditor : XXXX COMMUNICATIONS ) XXXX Balance {$110.00} OXXXX XXXX Balance : {$2200.00} XXXX  NETWORK INC/F XXXX XXXX : {$0.00}
Product: Vehicle loan or lease

After having months of issues with the vehicle after just recently purchasing it, I decided to go back over my contract. 
I realized that there where some direct violations and discrimination of my rights. 
1-stolen downpayment of {$50000.00} 2-Coherced into putting a large doenpament 3-Rushed to sign an agreement that I could not read at the time of signing but was told the vehicle would be gone of I dont sign now. 
4-Vehicle having hidden issues that showed up within the first 6-12 months., 5-Though I pay CapitalOne for the car note, I have NO CONTRACT between myself and Capital ONE at all. I only have a contract between myself and XXXX XXXX XXXX, the dealerships main company. 
6-Violations of TX codes : 215.250 using terms to such as Price was this now that, Bluebook value is and Now, Original MSRP was this, Now that. 
These terms where used at time of sale. 
according to the TX CODE 215.250 such terms can not be used to coherse buyers for a pushed sale. 
7-The agreement has 1 signature from myslef and none from Capital One. 
8-CapitalOne has no contra t or agreementr with myself only the desalership.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report XXXX  XXXX XXXX
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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. 


Account Name : XXXX XXXX XXXX Account Number : XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/2023 According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$7400.00}, {$20000.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter.

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the
dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNT -- 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7400.00} -This is not my account. 

-- COLLECTION ACCOUNT -- 2. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$20000.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I wrote to XXXX  ; Equifax and XXXX  credit reporting bureaus ( see attached letters and proof of certified delivery ) informing each that they are reporting an account that is unknown to me and that they are reporting inaccurate data regarding this account and the company 's contact information because my mail to them was returned by the post office as undelivered. I informed them that I have attempted to contact this company but the contact information stated on my report is incorrect. 

I wrote to the collections company on XX/XX/2018 stating the listed account # XXXX reported by XXXX XXXX  XXXX XXXX XXXX is not known to me and that I requested full validation. This is over ( 7 ) months please note that this collection agent is in non compliance with FCRA and the FCRA. 

I have received no response from any of the bureaus regarding my dispute regarding the non compliance of the collection agent although I sent supporting documents including the envelope stamped as undelivered by the US postal service ; copy of letter requesting validation sent to XXXX XXXX XXXX XXXX XXXX ; Copy of certificate of mail ; copy of my driving license ; copy of my social security card ; copy of recent XXXX for verification of address of residency. 

The bureaus have failed to comply within the 30-45 day time frame and to date the account is still reporting on my credit ( see attached account reported on my credit report ) therefore I have no recourse to moving forward without the assistance of the Consumer Financial Protection Board.
Product: Credit reporting, credit repair services, or other personal consumer reports

Barclay Visa with XXXX Rewards. They did not apply payments to my account. Also, they refuse to furnish statements or provide account information. Im blocked from my account online. I can not view a history such as balance, payment etc. Ive made XXXX calls but they refuse to help.
Product: Money transfer, virtual currency, or money service

XXXX XXXX and I are in the process of buying a home specifically we are XXXX days out from getting the keys. However, during this process and unknown of an exact date, a scammer was monitoring either the title companies or my realtors email. They sent an email on Friday XX/XX/XXXX With details around what the next steps would be XXXX when and how we should deposit the money and with the notary guy coming to our house to sign the documents. They clearly had information and continued a with details around what the next steps would be XXXX when and how we should deposit the money and with the notary guy coming to our house to sign the documents. They clearly had information and continued a XXXX email thread with spoofed email addresses From People helping in the escrow process including the escrow XXXX, realtor, and title XXXX. On XX/XX/XXXX at XXXX my fiance and i signed documentation with the notary person at our home and he provided us with instructions and the amount. When he left, we had different instructions in our email from our escrow XXXX XXXX, stating to disregard the notary info and go with the one they sent : Closing wiring instructions : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Beneficiary : XXXX XXXX XXXX. Account # : XXXX Routing # : XXXX Bank NAme : Truist Bank Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX alled to inform me she stl haint received our fund XXXX. XXXX from my acount and XXXX from my fances account, to which we discovered it was a scam. We have reported to our banks and requested an urgent request of our funds. Our XXXX  XXXX and XXXX XXXX, have both said they started an investigation and will get back to us within 2 to 10 days. However, we immediately called Truist bank to let them know someone was fraudulently Accepting money from an account with their bank and asked them to look into the funds To freeze them. They told us they could not do anything to help us since we did not have an account with them. Upon looking more into this bank and continuing calling them for help, it appears this bank is known for fraudulent activity and does nothing to protect or recover consumer money.
Product: Credit reporting or other personal consumer reports

Date : XX/XX/2024 XXXX Page 14 XXXX XXXX XXXX, NY XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Dear Sir/Madam, I am writing to request assistance in updating inaccurate account information and removing unauthorized user accounts from my credit reports, in accordance with the Fair Credit Reporting Act ( FCRA ). I have identified errors in my credit reports that are negatively impacting my creditworthiness and financial opportunities.I have discovered inaccuracies in the account information reported XXXX account # XXXX, XXXX account # XXXX my credit reports. The inaccuracies include [ describe the inaccurate information, such as incorrect balances, payment history, or account status ]. These errors have led to an unfair assessment of my creditworthiness and have affected my ability to access credit on reasonable terms.Furthermore, there are authorized user accounts listed on my credit reports that do not belong to me and are inaccurately reflecting my credit history. These accounts are not mine, and their presence on my credit reports is misleading potential creditors and lenders. 

Thank you for your assistance in this important matter. 
Sincerely, XXXX XXXX
Product: Credit reporting

I reported to Equifax that I am a victim of identity theft. I informed then that the information below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. These accounts appear as a result of identity theft : XXXX-student loan account number unknown XXXX-medical bill-XXXX XXXX-medical bill-XXXX The XXXX-utility bill account number unknown XXXX- account number unknown XXXX- account number unknown I also requested Equifax to block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act within 4 business days, and to send the required notifications to all furnishers of this information. Also, please place an Extended Credit Report Freeze on my report which will require creditors to contact me via phone number on my report. 
Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are highlighted in yellow. 
A copy of my Identity Theft Report Proof of my identity-CA Driver 's license A copy of section 605B of the Fair Credit Reporting Act, which requires Equifax to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 
Equifax informed me that they received my dispute and are waiting 30 days for the Companies to respond. Equifax did not acknowledge my request to BLOCK the information as required by section 605B of the Fair Credit Reporting Act within 4 business days
Product: Debt collection

Was charged with {$410.00} debt from XXXX, called and canceled the end of XXXX before I went to basic training for the XXXX on XX/XX/2023.
Product: Checking or savings account

I have 100.00 frozen and PayPal refuses to unblock my PayPal account