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

I have already addressed and no changes. This will now be the third time and I need some help. TransUnion has inaccurate data listed on my credit file. They have two names that do not belong to me which are XXXX XXXX XXXX XXXX XXXX XXXX There are also several inaccurate accounts listed. I want this addressed, and the inaccurate data removed. ALL of it
Product: Consumer Loan

I believe this loan from Money Key is based on an Interest Rate that exceeds Maryland XXXX Law. Each payment is not applied to the principal ; in addition {$30.00} per {$100.00} borrowed is charged monthly. The unpaid balance appears to increase monthly. After approximately {$900.00} in payments I called in for an advance on my Line-of-Credit. I was told a payment of {$310.00} was returned and that payment must be made to access any available funds.
Product: Mortgage

M & T Bank holds our mortgage and escrow account. They have delayed in paying our XXXX taxes so long that we have received a Tax Lien notice on our property. 

This is the 2nd year in a row that they have delayed in paying our taxes. The XXXX taxes were not paid until XX/XX/XXXX, and only paid after repeated phone calls from us to M & T Bank. 

I have phoned M & T Bank 3 times since XX/XX/XXXX to report late tax notices regarding the XXXX taxes. I have received no action on their part to correct the issue or payment. 

Due Date for XXXX taxes was XX/XX/XXXX for the amount of {$2500.00}. They remain unpaid today, XX/XX/XXXX, and have increased with penalties and interest to {$3500.00}.
Product: Debt collection

Radius Global Solutions LLC called me on XX/XX/year> trying to collect a debit from XXXX XXXX. they had a prior address from where I used to live that wasnt correct as well as an old number the last XXXX of my social and my birthdate but I have never had XXXX or ever lived in the city where there saying services were hooked up. I also XXXX  Radius Global Solutions LLC and some reviews said this company was the scam I'm not sure which it is but am now worried about who may have my information.
Product: Credit reporting or other personal consumer reports

I have tried repeatedly to get a copy of my chex systems consumer file under my ss number XXXX, XXXX. 
i have included my state issued id, a bill, the latest declination letter.
Product: Debt collection

On XXXX XXXX, 2017, I contacted the XXXX XXXX Clinic in an effort to pay a debt that was owed. The representative stated that the account was closed/charged off and that they account was turned over to a collection agency. I asked her what is their process when sending the account to the collection agency. She stated that " they buy them out. '' I have not a reason to contact the collection agency in order to pay for a debt that I do not owe to them, as the original creditor settled the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

These inquiries do not belong on my credit report since they are not tied to an account. This is an unfair representation of my creditworthiness. 
Inquiry 1 : XXXX - XXXXXXXX XXXX  on XXXX XXXX, 2022 Inquiry 2 : XXXXXXXX XXXX on XX/XX/2022 Inquiry 3 : XXXX - XXXX XXXX on XX/XX/2022 XXXX5 U.S Code 1681a ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title ; or
Product: Credit card or prepaid card

I noticed fraudulent charges from a VPN service that had been cancelled. I filed a dispute in XXXX or early XXXX and nothing has been done. I called them today to see what's going on with it and the customer service rep said she had to transfer me to another department because the card is late. I told her the card is late because they never addressed the fraudulent charges that I am not paying for and I only wanted her to transfer me to someone that I could discuss the fraudulent charges with. She advised me that this is the department that could help with this. I get on the line with the next guy and explain the situation and he tells me that he is attempting to collect a debt. So I cut him off and tell him that he attempted nothing. That I called him to discuss fraudulent charges. He tells me if I continue to use " profanity '' that he will have to hang up. I think I told him that treating me like a low life that doesn't pay his bills when I'm the one that called in to try to resolve this is XXXX and so to just knock it off and let 's figure out the fraudulent charge issue. I didn't curse him out. I didn't call him names. We're all adults here and we all know what XXXX is. He continued to try with his attempt to collect a debt XXXX and once again I pushed back, without " profanity, '' and I was then hung up on.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, On XX/XX/2017 I was notified that Equifax was breached and that the data of over 125 million Americans were made available.
I used the tools provided at https : //www.equifaxsecurity2017.comXXXX and found that I was indeed included in this breach.
As part of Equifax 's compensation for this, they are offering a year of their XXXX XXXX for free. However, in the Terms of Service for this product, I must agree to an arbitration clause. I will not subscribe to their service due to the arbitration clause. Additionally, I find only a year of coverage to be insulting. I believe 5 years should be the absolute minimum considering the scale of the breach.
As a Information Security professional, I decided to look into how this data was breached and found this article : XXXX XXXX XXXX.
If the contents are true, and Equifax did not patch a known vulnerability, they should be penalized to the fullest extent of the law. This borders on criminal levels of negligence and is usually the result of a poorly funded and staffed information security department as well as falsified audits for PCI compliance.
Product: Credit reporting or other personal consumer reports

I am wrote and formally dispute the late payment reported on my XXXX as reflected on my credit report. Based on my records, this late payment was caused by a system issue on XXXX XXXX  end, which you acknowledged in an email sent to me on XX/XX/year>. This email confirms that a technical issue with a third-party service provider delayed the processing of electronic payments and transfers, which directly impacted customers ability to complete their payments on time. Transunion removed the late payment on the second week of XXXX however they reinserted it several days later without notifying me within five business days. I check my credit report and noticed it back on today.
Product: Credit reporting, credit repair services, or other personal consumer reports

Here are all of the hard inquiries that I did not authorize due to id theft, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently filed a complaint due to inaccurate And unauthorized inquiries on the credit report. Experian responded with a generated template stating they could not reinvestigate my dispute. I have contacted the companies reflecting the unauthorized inquiries and was directed to contact Experian. I would like the unauthorized inquiries deleted and removed if they can not be verified by the company that is reporting them. 
XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX
Product: Vehicle loan or lease

They need to tell the credit reporting agencies that my account is paid off. Giving me a closed account pdf with my payoff history does nothing for me with the credit agencies. It's a phone call for them. The. Company is santander consumer usa.
Product: Credit reporting, credit repair services, or other personal consumer reports

I 've been trying to resolve multiple unauthorized inquiries on my  Eqiufax  credit report to no avail even with an intial fraud alert being placed on my report.The unauthorized inquiry number keeps rising and Equifax refuses to investigate and instead just sends me a document stating what an inquiry is.
Product: Credit reporting or other personal consumer reports

I have a delinquent Account from XXXX XXXX XXXX  on my EQUIFAX credit report since XX/XX/year>, I tried disputing in the past with no result, the Address associated with this Account is deleted but the Account is still there. 

In Anycase the Account is over XXXX  years. 

please help
Product: Credit card

I provided the account information requested on the Capital One XXXX XXXX. Twice I entered it as requested and twice I tried to pay my own account off with my own business checking account in my name. The application asked for account number NOT ACH account number. Twice I entered my account number. 

I attempted a third time with my ACH number and found all of my accounts closed. I have tried to resolve this on the phone and was told the reason for closure was " unexpected behavior or behavior that goes against XXXX XXXX  XXXX ''. I continued to request escalation to higher people and met a wall. Once again, I am being asked if I wanted my accounts reopened. I said no. At the final wall I said have a nice day through gritted teeth and hung up. 

this is for a veteran owned company as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX And XXXX XXXX XXXX Were sent the FTC and police reports they do not want to comply Sent affidavit also
Product: Credit reporting or other personal consumer reports

These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/XXXX
Product: Credit card

I have spoken with this company monthly since XX/XX/XXXX up to XX/XX/XXXX when 'suddenly ' their 'upcoming payment reminders ' stopped coming to my email address. I last called on XX/XX/XXXX, when the answering representative said please hold I am transferring you to our collections department. My complaint is several : 1 ) Capital One removed their automatic reminders from customer 's email of the upcoming payment due date 2 ) Capital One is trying to forcibly make consumers allow them to access their bank accounts regular with pushing for AUTOMATIC DEBIT PAYMENTS 3 ) Capital One has REMOVED their direct messenger from the App as not to have to receive and respond to consumers ' complaints/concerns.

4 ) Capital One reported my payment past due AFTER NOT SENDING REMINDERS to the Credit Bureaus on XX/XX/XXXX, which caused a deduction of XXXX points! on my score. 
5 ) Capital One reported ANOTHER last incident for the same late payment to the Credit Bureaus which impacted my score negatively XXXX more points. 
6 ) Then Capital One -- SENT A NOTIFICATION EMAIL TO THE EMAIL THAT THEY CLAIM THAT THEY NO LONGER HAVE to request that I complete a SURVEY for recommending family and friends for their product : XXXX XXXX
Product: Bank account or service

Bank Of America did not notify me prior to placing hold on my account. They were served a Levy on XXXX XXXX, 2016 same day my funds were placed on hold, my only income ( pension ). I was not notified by the collector Levy was mailed to me same day. I am almost XXXX years of age worked hard all my life, until I had to take early retirement due to illness. This has placed in hardship with overdraft bank charges. I have filed complaint against the H.O.A. as well through this system.
Product: Credit reporting or other personal consumer reports

After receiving an unsatisfactory response to my initial dispute, I promptly escalated the matter by filing a second dispute with the bureau. As per the FCRA, the agency is obligated to notify the furnisher of the disputed information and provide them with all relevant documentation. However, they failed to fulfill this obligation, and as a result, the furnisher continued to report the inaccurate information without any verification or correction. I also requested identifying information in reference to any supporting documentation to sustain why the items Ive disputed are continuing to report. I received nothing. 

In my previous complaint, I specifically requested identifying information and supporting documentation to justify why the disputed items are still being reported. To date, I have received no such documentation or any satisfactory explanation. 

The continued reporting of inaccurate information on my credit report is causing me significant distress and harm. 

I demand that the credit bureau take action on the following items immediately.
Product: Credit reporting or other personal consumer reports

I have about 67 hard inquires on my credit report that didnt come from me. Ive tried contacting XXXX, TransUnion and XXXX but they will not remove this misinformation.
Product: Credit reporting or other personal consumer reports

Transunion has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. There are already a surplus of complaints against Transunion alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Transunion has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Transunion 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

RE : TRAFFICKING BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of trafficking. The information listed below, that is currently listed on my credit report is a result of that trafficking. Listed below are the Personal Information that are being challenged Incorrect Name : - XXXX XXXX XXXX Incorrect CurrentAddress : - XXXX XXXX XXXX XXXX, XXXX, IL, XXXX Incorrect DOB : - XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX, XXXX XXXX, TX, XXXX Employer - XXXX XXXX  Listed below are the Collections that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Listed below are the Inquiries that are being challenged CAP XXXXXXXX XXXX - XXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN XXXX BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF TRAFFICKING IN PERSONS. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : XXXX CFR PART XXXX [ DOCKET NO. XXXX ] RIN XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF XXXX XXXX  ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TO THIS MATTER!!
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and list of Inquiries.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

I am reaching out to you after having an issue with Citizens bank. I had {$14.00} dollars in my savings account. After making a {$7500.00} transfer on XX/XX/year> there should have been a remainder of {$7000.00} dollars in my account but it all disappeared. I immediately transferred the {$7000.00} back hoping it was a glitch and I would see {$14000.00} in my account again. Waited a day or XXXX hoping everything would get settled but it did not. I've called the citizens bank customer service number several times now to explain what happened and asked for their help with no resolution. They keep giving me the run around and are trying to convince me that the money was correctly allocated. 

I am a busy mom and work full time. I do not have the time or money to pay for a lawyer to go after the bank. I would appreciate any help or advice you have for me. 
This is my hard earned money that I have been saving over the years for emergencies. I have been in distress and anxious praying every night they would return my money. 

Would you kindly help me investigate what happened to my money or provide any advice on how to proceed with this matter. 

Thank you, XXXX XXXX
Product: Checking or savings account

Dispute XXXX was submitted for XXXX transaction on XX/XX/year>. PNC failed to issue provisional credit after investigation lasted longer than 10 days in violation of Regulation E, and in violation with my account terms. 

Bank should have issued provisional credit after 10 days of having their investigation opened.
Product: Credit card

I reached out to Capital One regarding an increase in interest charges on my account. I called them today, XX/XX/year>, at XXXXXXXX XXXX  to discuss this with them. My interest charges went up in price this month, even though the only activity on account was a {$15.00} XXXX XXXX membership I. Last 45 days roughly. I paid almost double my minimum balance on last statement. The balance of the account went down. However the interest charges were more expensive compared to the prior statements balance/interest. It shows I owed more money than I did this statement, but somehow owe more interest on top. Their interest calculations are based on the daily balance. This statement shows a lower balance than prior statement. However the interest charge was more when it should have gone down. First I spoke to what sounded like an out sourced customer service agent who tried to claim it was because of the {$15.00} XXXX charge. That did not make sense and again, the numbers dont show thats the reason. I asked to speak to a supervisor. I got XXXX in XXXX ( Employee ID XXXX ). She explained it was based on the daily balance of account. When I again went through the numbers with her based on the totals they charged interest on, the only recent charge on account, and the increase in payment, their numbers did add up. They refused to basically show their math on how they got to that equation. They said the calculations are on back of statement. I said we have discussed the calculation 100 times but your numbers dont add up. She refused to show me anything, refused to have it reviewed, refuse to send me any email or letter saying they refuse and made mention that their lawyers have control and they are not accountants. So basically bank in charge of managing my money saying they have no one to go through the numbers. Im simply asking them to show me how they came to that conclusion considering the glaring numbers that do not add up. I have had this issue with them in past. I need a full breakdown and someone willing to explain to me how owing them less money equates to more interest. They did confirm my rate did not change. That being said, given this issue, past issues with same problem and their lack of willingness to discuss things with me, ( I also hold a checking, savings and child bank account with them so I am a full fledged customer ), I now feel like that not only this current statement, but my entire account needs to be reviewed. I feel this is big banking at its finest, taking advantage of consumers and will only do something when forced to or caught. In typical American corporation fashion, I was shamed for even dare asking or questioning because the idea that a billion dollar company in America could ever be wrong, make a mistake or be deceiving is just unheard of to them. I am only submitting my most recent statement and prior statement. Again I need whole account reviewed and can provide more or anything that is asked. need your help.
Product: Credit card or prepaid card

I opened a care credit card with Synchrony Bank this past summer. I have a zero % interest on a portion of the balance good for 12 months and I have a portion that has a 14.99 % interest. I have called every month and asked them to allocate my payments and then they apply however they want. I realize they are doing this so my payments don't post correctly and then they can charge me all the interest that I would have saved with the zero % interest. I have called them twice in XXXX, twice in XXXX, twice in XXXX and once in XXXX. This is a SCAM company and I can't get anywhere with them. The supervisor I spoke to on XX/XX/22 reassured me it would get corrected and I just called today XX/XX/22 and they said it will take 1-2 billing cycles. this is unacceptable by me because its a part of the SCAM they are running. Please help me get this resolved.