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

Transunion, XXXX, XXXX  has allowed XXXX XXXX  to report open account on my credit profile although I notified the credit card company that the initial account was opened fraudulently. Ive also notified all three bureaus of this. The company is now violating my rights under The FCRA and has re-opened an account that should have never been there in the first place. The account is showing re-opened in my credit file as ofXX/XX/XXXX and has also cost me -45 points.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Equifax Report XXXX score was XXXX. I have not made any hard inquiries and nothing has changed on my account. The other Bureaus gave me a Good score and it has not changed. For no reason in 24 hours they dropped it from Good ( XXXX ) to Fair ( XXXX ) for no reason.
Product: Credit card or prepaid card

I received an email receipt for a purchase at Saks Fifth Avenue XXXX on XX/XX/2022 for {$120.00} which I did not make. A XXXX credit card was used ending in XXXX which is not mine, although was in my name and receipt came to my email address. 

I can not cancel or investigate card since I do not know what bank issued it or how it was applied for using my credentials. I have notified : Saks, Social Security, XXXX, and XXXX XXXX. ( XXXX has no alert for fraudulent application for credit ).
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXXXXXX XXXX Portfolio Recovery, and XXXX/Dept Of Ed has violated my rights. I looked at my XXXX credit report on XX/XX/year>XXXX  and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are suppose to 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: Credit reporting, credit repair services, or other personal consumer reports

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

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$1000.00} ; XXXX XXXX XXXX XXXX Balance : {$1100.00} ; XXXXXXXX XXXX XXXX XXXX Balance XXXX {$490.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; U.S. Bankruptcy Court XXXX XXXX  bankruptcy XXXX Reference # : XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Product: Debt collection

XXXX XXXX XXXX call me everyday about 10 times. That's XXXX calls a week. I have the same issue with XXXX, XXXX XXXX XXXX, and XXXX XXXX EVERYDAY from morning, afternoon to night.
Product: Student loan

TO WHOM IT MAY CONCERN : I AM XXXX XXXX XXXX XXXX THAT XXXX  THIS PAST SUMMER, FROM XXXX XXXX XXXX. AS SOON AS XXXX I BEGAN XXXX  SCHOOL, AND MY XXXX BEGAN XXXX SCHOOL. A FEW MONTHS LATER MY XXXX BEGAN RECEIVING NOTICES FOR ME FROM SUNTRUST BANK, NOW CALLED TRUIST BANK, STATING THAT I OWE MY FIRST STUDENT LOAN. SHE TRIED CALLING ON MY BEHALF SINCE I WAS NOT IN THE COUNTRY, BUT THEY REFUSED TO TALK TO HER. SHE ASKED WHAT SHE CAN DO SINCE I WAS STILL IN SCHOOL, AND I WOULD NOT BE ABLE TO COMMENCE MY LOAN REPAYMENT. THEY SAID THEY WILL SEND OUT A REQUEST FOR DEFERMENT, WHICH MY XXXX RECEIVED AND SCANNED IT TO ME SO THAT I COULD GET MY SCHOOL OFFICIALS TO FILL OUT THEIR PART ALSO. MY XXXX MAILED IN MY DEFERMENT, AND ALSO TRIED FAXING IT. STILL THE CALLS, AND LETTERS CONTINUED. THEY BEGAN COLLECTIONS PROCEEDINGS, AND THIS IS ON MY CREDIT. EVEN AFTER I CALLED SEVERAL TIMES AND I APPLIED FOR A DEFERMENT WHICH WAS NEVER ACKNOWLEDGED. I PUT IN A CREDIT DISPUTE. I HAVE NOT EVEN BEGUN MY LIFE OR CAREER AS OF YET. MY CREDIT WAS IMPECCABLE. I DID NOT EVEN HAVE A CHANCE TO FINISH MY EDUCATION, AND THEY WANT ME TO FAIL. XXXX  SCHOOL IS ALREADY DIFFICULT ENOUGH, AND NOW I HAVE TO WORRY ABOUT THIS RIGHT NOW. PLEASE HELP.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Apple card balance is incorrect and needs to be updated
Product: Debt collection

I found a debt collection account on my credit from credit collection service, XXXX for {$1100.00}. The debt does not belong to me. I do not have and have never had XXXX XXXX or an account with them. I also found an incorrect address where I have never lived before on my credit profile which I disputed with the credit beauros. Please have this debt cleared from my name asap thanks.
Product: Debt collection

This company is a bad company to do business with.They always have a lot of complaints from consumers.They have a bad record of messing up your credit even though it their fault.They blame everything on you.They always have new management because they do not conduct their business well.They have a lot of turnover for new and different management.I had issues and complained a lot to them about money I did not owe them.and I had my receipts that I paid my bills but they would not even take time and didn't care about my receipts and charged me for bills I didn't owe them.They have a lot of complaints from tenants living there and people are constantly moving out all the time.They also have a lot of bad reviews from tenants and couldn't wait to move out because they are very unorganized and very unprofessional.
Product: Debt collection

These were paid a long time ago and I continue to dispute to have these updated and/or removed and I never receive any information.
Product: Checking or savings account

I was charged {$30.00} for excessive withdrawal fee from my savings account by Bank of America. When I called the Customer Care Representative she told me that the charge will not be waved because Federal law authorize them to charge {$10.00} for any withdrawal above 6 times in a month. I was surprised because I called Bank of America Agent before the transfer and was told that it was my sixth transfer and that I will be charged if I transfer money more than six times from my Savings account in a month. I expected to be notified of any excessive withdrawal, but this was not done until the charge went up to three times generating {$30.00}. This is unfair. I need the {$30.00} refunded to my account.
Product: Debt collection

I have no knowledge of this debt. I have never applied for credit with this company.
Product: Vehicle loan or lease

We received notice from Nissan motor Acceptance advising us the XX/XX/XXXX XXXX was sold for less than the estimated balance due. When we contacted them to inquire about receiving a copy of the bill of sale and a XXXX showing the actual transaction, they refused to send it. We tried explain that this voluntary repossession was due to fact that we couldn't trade the car in for another. Now they're threatening to send this to a collection agency for money we don't feel we owe. The XXXX insurance company listed it as a total loss in XX/XX/XXXX but never advised us of that and we had Gap coverage too. We have filed a gap claim with the insurance company in XXXX but still have not heard anything from XXXX XXXX XXXX XXXX  regarding this issue. Please advise us if anything can be done to resolve these issues. 
Thank you
Product: Credit card

I initiated a balance transfer with Wells Fargo. In over XXXX weeks time there was no movement. I checked my emails. I received no email ( s ) regarding the balance transfer.

There was also nothing in my online portal ( both through the mobile app and on a desktop ) reflecting, the balance transfer was occurring. 

I also received nothing in the mail in hardcopy regarding it. 

I also checked my statement with them, which was available as of XX/XX/XXXX. As per my agreement with them, my statements are to be accurate and up-to-date. My statement did not show the initially requested balanced transfer either. Please see the attached document. 

Therefore, since all of this information was missing from all accessible formats for me as the account holder ( which would be against the terms and conditions I agreed to when signing the initial card agreement and eventual balance transfer, since they have obligations to the consumer ) I safely assumed that my initial request for a balance transfer did not go through. 

Due to the aforementioned, I resubmitted a balance transfer request. 

However, XXXX balance transfers suddenly went through simultaneously as of XX/XX/XXXX. Such as reflected on my online account with them. See the attached. 

Despite calling Well Fargo ( on XX/XX/year> and speaking to XXXX ID # XXXX ) immediately upon noticing the issue they were not willing to rectify it nor waive the duplicated balance transfer fees ( which at 5 % each is a total of over {$500.00} ). This is also considering the fact that XXXX of the balance transfers has still not posted to the original credit card company they are paying on my behalf, just to my Wells Fargo account. So its still within their power to correct it with the company before they post it yet Wells Fargos is simply unwilling to.
Product: Credit reporting or other personal consumer reports

I am formally submitting this complaint myself and there is no third party involved. Despite of the multiple previous written requests, the fraudulent items previously i'd disputed still remains on my credit report in violation of Federal Law. The Credit Bureaus failed to comply with air Credit Reporting Act, Section 605B within the time set forth by law and continued reporting of unverified information which now. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to removed the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Here are the lists of the erroneous items reporting on my Credit Report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/2023, I initiated a consumer transaction with my SSN also referenced by XXXX as a credit card, pursuant 15 USC 1602 ( I ) the term " credit card '' means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on XXXX " The purpose of this consumer credit transaction was to obtain a credit card, I was denied access to my open- ended credit. As a consumer, natural person, and original creditor I have an open- ended credit plan, it is unlawful to deny me of my own credit. I am requesting tht your company department reassess my consumer credit transaction/application and approve my application as a denial is unlawful, goes against congressional law and makes your company or organization civilly liable for non- compliance pursuant 15 USC 1681 ( O ), 15 USC 1640, 15 USC 1691 ( e ). Further more pursuant 15 USC 1691 ( A ) - Activities constituting discrimination, do so state " it shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction '' A denial of my open ended consumer credit constitutes to discrimination! Pursuant 12 USC 1431 Powers and Duties of Banks  and Credit Unions have power to lend money, issue bonds and debentures, therefore you are unable to lend a consumer, natural person and original creditor anything.
Product: Debt collection

XXXX had always charged me XXXX per month then all of the sudden i was charged XXXX. I called my credit card company to dispute the difference of {$23.00} to bring my bill back to XXXX. The credit card company credited me back {$23.00} and they never contacted XXXX as the {$23.00} amount was too low for the bank to pursue XXXX to give them that money back. XXXX was made aware of this and they told me i was lying. I then called my credit card company and told them what was going on, so we decided to call XXXX together. XXXX again said i was lying and then they were made aware the bank was on the other line recording the phone call. The bank told XXXX that indeed i had disputed {$23.00} but that they should n't try to come after me because the bank wrote off the {$23.00}. Nonetheless XXXX repedetely threatened me to send me to collections and today i received a collection bill in the amount of {$80.00} after repeditely disputing the debt with XXXX. So basically, XXXX charged my card {$62.00} and i disputed {$23.00}, the bank then wrote off the {$23.00} and somehow XXXX found out and tried to come after me for the full {$62.00} and today i got a collections bill for {$80.00}. I have copies of the credit card statement and my bank has a recorded phone call and yet XXXX continues to try to collect something they are not entitled to and now this collection is on my credit. I filed complains with the BBB and they told the BBB to XXXX. I wan na sue XXXX for fraud and cohersion! furthermore, the original charge was {$62.00} and now they sent me to collections for {$69.00} AND a collection fee of {$11.00}! what is wrong with these crimminals?!
Product: Prepaid card

I recieve child support from he state of NY and my card was switched from XXXX XXXX XXXXXXXX to Way2Go card. Since the change I have went to the app for Way2Go card and looked at what ATMs I can get money from. I have tried every brand they reccemond and am charged XXXX upwards of XXXX dollars in fees everytime. It is supposed to be no charge for using XXXX ATM but I am now charged and was not before. I have been charged to date 4 times these feed just to access my money. I have called every number I can find and Way2Go has no way to reach a live person. I then called NY state child support enforcement and of course they told me that they are not able to help with the payment card nor do they have anyway to contact them sorry we can't help you. This is outrageous that they switched to a company with no way to contact them and they are just stealing money from people.
Product: Money transfer, virtual currency, or money service

On XXXX and XXXX XXXX my Coinbase account was hacked and money through it was siphoned to purchase unauthorised crypto currencies for XXXX $ I opened ticket with coinbase to immediately freeze the transactions on XXXX XXXX only but they never responded back. 

I opened another ticket with them after my money was gone from the bank to buy BTC in Coinbase to which they responded my account has been fronzen and any crypto transactions can not be reverted. 

Since then I have not heard another response back from them despite for mailing them several times, neither I can access my online account. 

The email id associated with the Coinbase was XXXX I want my access back and the unauthorized transactions to be reverted if any else the equal amount.
Product: Credit reporting or other personal consumer reports

Upon reviewing my consumer reports, I discovered some instances of late payments on my auto loan account western funding. which I have always maintained timely payments. Consumer Reporting Agencies Play a crucial role in accurately reporting consumer information. It is imperative that this information be reported with utmost accuracy.i have never missed a payment on the following account. I request a thorough investigation into these discrepancies and urge you to provide evidence, such as statements demonstrating the lateness of these payments. If unable to furnish such proof, I demand that these payments be promptly updated to reflect my true status as on time, as I have consistently upheld my payment obligations without delay.

According to 15 U.S. Code statute 1681e compliance Procedures ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedure to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to the federal law is code 1681. Has violated my my rights as a consumer. XXXX XXXX XXXX # XXXX. On my credit file.
Product: Mortgage

My loan was sold to BSI in XXXX of XXXX. The agreement signed was for me to start making payments in XXXX of XXXX. When attempting to make my first payment I noticed the system would not allow me to make a payment and it was showing an incorrect balance. I reached out to BSI several times to fix the problem with no results. For 6 months I called and emailed XXXX ( my point of contact ) with no results. I have also attached a screenshot of her assuring me that her back office was getting the situation worked on ( it never happened ). So after waiting several months with no results I reached out via email to higher up in XXXX pretty much begging for them to please help me get my account updated. Well in XXXX the account finally updated. I then made payments for months XXXX since I was not able to before. My now issue is BSI is reporting my account as a disaster on my credit report ( which it is not ) and they are not reporting the payments as payed for months XXXX. I spoke with a rep today who advised me that per the credit department if they updated my credit report and remove the disaster that my loan would then show late payments. Mind you I could not make payments because there system didnt allow me to because they had not updated my file. It was showing an I corrected amount and they had me blocked from paying. If you go back and look at statements on this account from XXXX XXXX you will see what I am talking about. After doing some research I see where BSI was recently sued back in XXXX for the same issue that I am experiencing. If you all can not do whats right and update my credit report to reflect all of my payments, remove the disaster off of my credit report and make things right I am prepared to sue as well. This experience has been very stressful and emotionally draining. Attached is the first statement I recipient from BSI, one of the many emails from XXXX ( my point of contact ), a screenshot of the contract that I signed and a copy of the lawsuit that you all just had in XXXX and surprisingly I am experiencing the same issue with you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Multiple inquiries when applying for vehicle multiple inquiries on XXXX credit card and multiple inquiries by mortgage companies
Product: Credit reporting or other personal consumer reports

Please investigate the bankruptcy public record reporting on my credit profile. The record is reporting inaccurate and claiming to be verified, but only through third party agencies rather than the court. This information is false reporting and should be removed from my report.
Product: Credit reporting or other personal consumer reports

Recently I have reviewed my current credit report and I have found some inaccuracies. This account is hurting my ability to obtain credit. To my knowledge, the credit reporting agencies Equifax, transunion and experian will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate. 
XXXX XXXX account number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a letter dated XX/XX/2020 from XXXX  XXXX XXXX concerning Account No. XXXX. According to this letter if I paid {$1600.00} by XX/XX/2020 XXXX LAST DAY FOR PAYMENT ) " you may continue with the contract as though you were not late ''. I made the payment online of {$1600.00} as instructed XX/XX/2020. Additionally, on the same day I made another payment of {$750.00} to Account NoXXXX since I have two car loans at XXXX  XXXX XXXX for which I sought COVID relief. NOTE THAT TRANSUNION ARBITRARILY REDUCED MY CREDIT SCORE BY XXXX POINTS XX/XX/2020 CHANGING MY CREDIT RATING FROM A GOOD XXXX TO A FAIR XXXX FIVE DAYS BEFORE WHAT I WAS GIVEN TO UNDERSTAND ANY ADVERSE ACTION WOULD BE TAKEN ON THE PART OF XXXX  XXXX XXXX. As a result of this Complaint I want my FICO score corrected, immediately, and a Note to my Financial records that acknowledges as well as corrects the error. From XXXX XXXX XXXX I want a corrected LOAN PAYMENT HISTORY ( from inception to YTD ) for both loans ( XXXX and XXXX ). Your immediate attention, from both institutions will be appreciated.
Product: Credit reporting or other personal consumer reports

Despite having an extended security freeze between XXXX and XXXX, XXXX XXXX XXXX acted in a predatory manner by ignoring the freeze on my account and allowing an unknown person to take out a loan in my name. The company never contacted me to obtain my consent or requested a copy of my identification, something even libraries typically require. I contacted XXXX XXXX XXXX and, following guidance from the Federal Trade Commission, asked them to close or remove me from the fraudulent account. On Wednesday, XX/XX/XXXX, I spoke with a representative named XXXX. She was combative and refused to assist me. When I asked to speak with her supervisor, she claimed the supervisor was in a meeting, took my number, and stated that I would receive a call back within XXXX hours. I never heard back.