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

TransunionI have called and talked with XXXX fraud department about suspicious fraudulent accounts and inquiries on my credit report for the third time this year. XXXX may allow me to dispute accounts but not inquiries one time the next time XXXX may allow me to dispute inquiries but not accounts. The inaccurate fraudulent accounts and inquiries are listed below have violated my federal consumer rights to privacy and confidentiality under 15 USC 1681. I have a right to privacy under section ( 602 A ) 15 USC 1681 and section ( 604 A ) section 2 states that a consumer reporting agency can not furnish an account without my written instructions and permission. 
ACCOUNTS- XXXX XXXX XXXXXX/XX/XXXX {$9700.00} XXXX XXXX  XX/XX/XXXX {$1200.00} First XXXX XXXX XX/XX/XXXX {$2900.00} XXXX XXXX XXXX XX/XX/XXXX {$1700.00} XXXX XXXX XXXX  XX/XX/XXXX INQUIRIES- XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Ive XXXX XXXX to update my address phone number and employment history. 
Correct phone # XXXX Correct employment XXXX XXXX XXXXXXXX - XXXX. XXXX Correct Name. XXXX XXXX No consumer reporting agency may make any consumer report containing containing any of the following items of information other than records of convictions of crimes which antedates my report for more than seven years,, 15 USC 1681 C ( AX5 ).

15 USC 1681 s-2 ( AX1 ) states that no one shall furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

Equifax Correct address XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Incorrect address XXXX XXXX XXXX XXXX, XXXX XXXX Accounts XXXX XXXX. XXXX, XXXX {$46000.00} XXXX XXXX XXXX XXXX XXXX, XXXX {$17000.00} XXXXXXXX XXXX XXXX XXXXXXXX, XXXX {$390.00} XXXX Bank XXXX XXXX, XXXX. {$3100.00} XXXX XXXX XXXX XXXX, XXXX. {$1700.00} XXXX XXXX. XXXX XXXX, XXXX. {$0.00} XXXX XXXX XXXX XXXX, XXXX {$2900.00} XXXX XXXX. XX/XX/XXXX. {$1200.00} XXXX XXXX XXXX XXXX, XXXX. {$9700.00} XXXX La. XX/XX/XXXX {$0.00} XXXX La. XX/XX/XXXX. {$0.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  - Correct address. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Incorrect addresses ( XXXX ) XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Accounts- XXXX XXXX XXXX {$17000.00} account # XXXX XXXX XXXX XXXX {$46000.00} account # XXXX XXXX XXXX XXXXXXXX. {$1900.00} account # XXXX XXXXXXXX XXXX XXXXXXXX. {$3000.00} account # XXXX XXXXXXXX XXXX XXXX {$390.00} account # XXXX XXXXXXXX XXXX XXXXXXXX. {$8000.00} account # XXXX XXXX XXXX XXXX. {$1300.00} account # XXXX XXXX XXXX XXXX. {$0.00} account # XXXX XXXX XXXX. XXXX {$0.00} account # XXXX XXXX XXXX. XXXX. {$0.00} account # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Two years ago when the Equifax data breach occurred I froze my credit with the three reporting agencies. After recent difficulty trying to obtain a loan I contacted Equifax. They directed me to send them a copy of my current drivers license, SSN, birthdate and address for the purpose of updating my personal information. My cover letter to the Equifax Dispute Dept. was dated XX/XX/2019. I received a confirmation letter back from Equifax with the wrong personal information on it!! I received a letter from XXXX   at the same time with the right info on it! I can no longer access the account that I created with XXXX  two years ago. I am denied access using my username and password that I created. Equifax now wants me to send them more information. Why would I do that when they could not get it right the first time?
Product: Credit reporting, credit repair services, or other personal consumer reports

Consumer Financial Protection Bureau Disputes have taken more than 30 days. 

Please delete the accounts listed on dispute numbers : XXXX XXXX
Product: Debt collection

My company signed up for a work poster from an online business, personnel concepts, in which they had a web deal for {$29.00}. After they collected the money, they called us and said that they had a gold service membership that we needed to join. after repeatedly telling them no, we asked them to send an invoice over as to reasoning why we needed to pay an additional {$270.00}. They are now insisting that we pay that amount, even though we never agreed, or wanted their service. Now they have sent me to collections after I refused to pay them. They are obviously an extortive, scamlike business, and the better business bureau has over 420 complaints on them.
Product: Debt collection

southwest credit XXXX XXXX not owed bill paid still on credit report. It is ruining my credit
Product: Credit reporting, credit repair services, or other personal consumer reports

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

1. XXXX XXXX - Account XXXX : XXXX, 2. XXXX XXXX - Account XXXX : XXXX, 3. XXXX XXXX Account XXXX : XXXX and 4. XXXX XXXX XXXX : xxxxxxxxx XXXX, has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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: Credit reporting

I have tried to dispute this issue with the credit reporting company but they will not answer the phone when I call. I can not go to them directly because I live in XXXX TX and they are in XXXX XXXX, TX ( I 've never lived there ). This account/apartment is for my son who is attending college in XXXX, TX. I applied to be his guarantor but was denied. When he was asked to vacate, the complex listed this as an individual account on my credit report and not to the person who was/is responsible for the debt. I do not have a copy of the denial because it was never sent to me, I was just told I was denied over the phone with XXXX of the leasing agents
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # 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 1666 B : A creditor may not treat a payment on a credit card account under any open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 

XXXX XXXX XXXX Balance : {$25000.00} ; DEPT OF EDXXXX XXXX Balance : {$6400.00} ; DEPT OF EDXXXX XXXX Balance : {$3400.00}.
Product: Credit card or prepaid card

Dear Mr. Chairman & CEO XXXX or American Express Executive : American Express approved and opened my application for a XXXX XXXX credit card in XX/XX/XXXX with a welcome offer for XXXX XXXX points after meeting a minimum required spending of {$3000.00}. On XX/XX/XXXX, American Express did confirm by phone and chat that I did meet the qualified purchases of at least {$3000.00}, but American Express unfairly deny the welcome bonus based on a reasoning that 2 or 3 of my past accounts in which I was only an authorized user was opened or closed in XX/XX/XXXX. In fact, as only authorized user, I had no control of why the account was opened or closed then ; however, American Express is now unfairly deny the welcome bonus for my current XXXX account that is still open and in good standing. Therefore, I respectfully request a fair reconsideration and extend the welcome bonus as promised. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was originally contacted in regards to a refinance by Village Capital late XXXX, I did everything required on my end for this process and was told that in XXXX at the time of refinancing that my next payment would be due in XX/XX/XXXX. At the end of XXXX, I was contacted via email by XXXX XXXX and informed that there was an issue with the Notary and that the files were audited. I was offered a lower rate, lower interest rate and no payment until XXXX to fix the issue. I agreed and signed the documents that were sent to me and again advised not to make a payment until XX/XX/XXXX. In XXXX I started getting calls and letters that my account was past due and I started to call to see what was going on, customer service advised me everytime that the calls will continue and that I'm fine due to my refinance being processed, I was never informed that there was an issue with my refinance. I started emailing and trying to reach my loan officer XXXX XXXX via phone and that was unsuccessful. So during this entire time, he was not available to speak with me and I could never seem to get transferred or in contact with anyone who could. I was told several times that someone would call me back and it never happened. I did not start getting calls back until I filed a complaint with XXXX, CFPB, FTC and other companies to get this issue looked into and resolved. After filing several complaints, I was contacted by XXXX XXXX, he was very helpful and did everything he could. He told me to fix this issue the company would pay XXXX and I would have to come up with XXXX, I did that and he also said they would do everything necessary to clear the derogatory marks on my credit in which he did as well. Everything was removed from my credit with the late payments and on last week, some how it was added back. I was also informed verbally and by email that the loan officer XXXX XXXX was deceased and that is why my file was not properly handled and come to find out he is still with the company and has mailed me a letter trying to complete another refinance on my loan. 

I have also attached a letter showing that my credit is being ran again for another refinance with the company and I have not applied for such, this was done without my acknowledgement or permission.
Product: Credit reporting or other personal consumer reports

XXXX XXXX was addded to my credit report and it wasnt be I never applied for XXXX. 

XX/XX/XXXX  That was fraud and I never authorized for my credit to be used
Product: Consumer Loan

I disputed inaccurate information with credit bureaus and creditor and they still report inaccurate and false information on my credit report. I had an auto loan with Capitol One several years ago. the truck was totaled out while I was in bankruptcy and the truck was paid off in wage earner program through bankruptcy. Creditor continue to re age and report inaccurate information on my credit report even through dispute. The XXXX bureaus have different dates, balances, and dates of first delinquiences. XXXX reports that ive made payments I never made. XXXX has XXXX different charge off dates. XXXX says that my balance was paid off from my wage earner account on bankruptcy. This inaccurate information and re aging of my date are illegal by my understanding. Ive disputed sevral times with credit bureas and this is the next step I understand a consumer should take with the Federal Trade Commission.
Product: Debt collection

Choice recovery has added a collections in the amount of {$120.00} saying i owe that money. i do not owe this company anything nor do i even know who they are. they are trying to collect a debt not mine. it is damaging my credit score for absolutely no reason and I'm in the process of getting a home and a mortgage and this is hurting my chances substantially. this is rediculous.
Product: Money transfer, virtual currency, or money service

I want to file a complaint regarding Zelle handling of disputes- in light of the CFPB LAWSUIT. Referring to issue with the platform. 
Disputes/ claimed were not accurately investigated. 
They stated loss funds were non recoverable and unable to be tracked. Zelle neglected to protect me as a customer and my account. And has allowed repeat offenders to exploit the customer : leaving my account open to Scams
Product: Checking or savings account

I had recently opened a checking and saving account with Citi bank on XX/XX/XXXX I was able to use my account and debit card without any problems until one day I got a 2nd debit card in the mail I did not no it was linked to my current checking account I was confused and called Citi bank to report that I received a card that I did not opened i later realized this card was linked my account that I already had with them and told them it was a misunderstanding they later locked my account without any reason Ive also been to the branch and they people there is telling me I have to call and speak with Citi fraud department to fix this but whenever I call they refuse to help me and they keep telling me my phone number is not verified under my name and they cant verify me but my is verified with all 3 credit bureau there not providing me any information are a way I can fix this issue I feel like Im being lied to and there simply just trying to keep my money its been over 64 days and my money has been frozen my card and and online access isnt working either I have over {$8500.00} in my citi checking account
Product: Debt collection

On XX/XX/XXXX I received a summons to appear in court regarding a civil lawsuit that Midland Credit filed against me. I was given 30 days to produce supporting documentation to states reasons why I did not owe the alleged debt. I submitted the documentation to Magistrate within the 30 days. On the day of the trial, I showed up to sign into court and was told that the case had been dropped. I asked why and by whom, and was told that the case was no longer on their records and that Midland did not want to continue and dropped the suit. The Original amount of the alleged debt was {$1200.00}. The court cost of Midland filing the suit was XXXX. Not only have the continued to keep a debt that I do not owe on my credit profile, they have also added the court cost of the suit that they filed and dropped as well. This debt is showing as open and past due as of XXXX XXXX  XXXX account in the amount of {$1300.00}. In the documentation I submitted in XXXX of XXXX, It also stated the alleged debt from my credit reports if the debt was not mine. I have also attached the documentation from the suit as well as the most recent credit report from XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I highly request that you take the time to check and verify these inquiries since I never remember that I have authorized anyone about these inquiries. Kindly remove these inquiries if no proof can be provided. Look into the date and name of these inquiries and compare to see if there is a signed agreement. If not able to make certain please extract it from my file. The following inquiries should be removed right away : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Capital one bought XXXX which was a high yield savings. They changed my account to a XXXX savings through capital one and I just found out they lied and kept the interest rates low and made a performance XXXX savings account but did not notify me about this change. Due to this I missed out on a lot of interest. I know there's a lawsuit now. I am hoping to get some interest back. Since I found out I did close my XXXX savings and opened a performance XXXX savings
Product: Money transfer, virtual currency, or money service

I have tried 7 times to send {$2200.00} to my wife who lost her wallet in XXXX XXXX 4 days ago now. 
I have uploaded my Drivers license, I have talked on the phone for at least 3 hours in total, I was told the money would be available. 8 times I tried it never was available. The stress you have caused myself and my wife with your terrible service is incalculable. 
I wish to complain to the highest degree of these false promises and absolutely amateurish service. I demand an explanation, I demand an apology, I also demand an apology for my wife. I am not going to let this rest you have caused unnecessary stress to my family and it is totally unacceptable. 
This is the worst experience I have ever had in my life, you are totally out of your debt to provide a service, you should not promise a service you can not provide. 
I will not rest till I can cause some damage to western Union, I will pay for the most expensive media blitz to tell the whole world what a terrible service you provide.
Product: Checking or savings account

TD Bank is advertising a 6 month CD rate 5 % interest. Yesterday, ( XX/XX/XXXX ) I responded to the offer and opened a CD account with {$50000.00}. I visited the bank to find out about the interest rate and was told I would only receive {$610.00} interest at the end of XXXX months. I requested them to close the account stating TD bank was using deceptive advertising, and I was told I would be assessed a penalty of {$600.00}. I explained that I had just opened the account an hour before I visited the bank, the manager said it did not matter.
Product: Credit card or prepaid card

RECEIVED VOICE MAIL MESSAGE STATING MY AMAZON VISA CREDIT CARD HAD BEEN FRAUDULENTLY CHARGED FOR A XXXX LAPTOP COMPUTER IN THE AMOUNT OF {$650.00}, AND A BLOCK HOLD HAD BEEN PLACED ON MY CREDIT CARD. ASKED ME TO RETURN CALL TO XXXX. UPON CHECKING WITH THE BANK THAT ISSUED THIS CARD, I CONFIRMED THIS WAS BOGUS JUST WANT TO REPORT THIS SCAM
Product: Credit reporting or other personal consumer reports

Transunion Credit Bureau refuse to remove negative item on my credit report. 
In according with the fair credit Reporting act. XXXX XXXX  account # XXXX has violated my rights. As per 15 USC 1681 Section 602 states i have the right to privacy. 
15 USC 1681 Section 604 A Section 2 states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A Creditor may not treat a payment on a Mortgage / credit card account under an open-end consumer credit plans as late for any purpose XXXX Credit Bureau In according with the fair credit Reporting act. XXXX XXXX  account # XXXX has violated my rights. As per 15 USC 1681 Section 602 states i have the right to privacy. 
15 USC 1681 Section 604 A Section 2 states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A Creditor may not treat a payment on a Mortgage / credit card account under an open-end consumer credit plans as late for any purpose
Product: Student loan

I have loans dating back to 2004. I have Signature Loans with XXXX XXXX Navient. I received bills before I was even able to graduate from school. Navient has not provided feasible payment options and my loans are growing exponentially.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have no knowledge of these accounts. And it needs to be removed from all 3 credit reporting agencies immediately. I did not provide express verbal or written consent to obtain any information about any of my personal and confidential private information.
Product: Vehicle loan or lease

For several months, the account DRIVEWAY FIN ( XXXX ), which refers to a repossession, has been reported on my credit history consistently, being a significantly negative aspect for my finances. This vehicle was repossessed ; however, this repossession was carried out without notifying me in advance, which is something I still have not received information about. If it was taken back by the creditor, they continue to report an outstanding balance equal to my last payment, which is perplexing for me since the repossession should have counted as coverage for the debt. I should have been notified if it was auctioned or not, but this has not been clarified. I filed various disputes with both the credit bureaus and the creditor at the time ; however, I have not received any response from them, which has forced me to submit this complaint. I consider it unfair and a violation of my rights that this account is negatively affecting my credit when the circumstances were triggered against me. Additionally, I must say that the account is reporting inaccurate and incomplete information among the three credit bureaus, which amplifies the number of violations of my rights. Upon researching my case, I found that the company is infringing sections of 15 USC : 15 USC 1681e ( b ) : The information provided to consumers is inaccurate, misleading, or incomplete. 
15 USC 1681i ( 5 ) : Failure to conduct a reasonable investigation into disputed information. 
15 USC 1681 ( a ) : The inaccurate and misleading information contained in the credit report violates the FCRA 's requirement for fair and accurate reporting. 
15 USC 1681 ( a ) : The failure to investigate and correct these inaccuracies within a reasonable time frame is a violation of the FCRA. 
15 USC 1681s-2 ( a ) ( 2 ) : Furnishing information to a consumer reporting agency without the consumer 's written instructions. 
15 USC 1681n : failed to provide me with clear and conspicuous notice of my rights under the FCRA.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I took out an auto loan back in XXXX for A XXXX XXXX. I made payments until XXXX or XXXX, at which point, I fell behind and stopped paying altogether. 

The car was voluntarily repossessed. The bank that lent me the money ( XXXXXXXX XXXX XXXX XXXX ) transferred the debt over to a collection agency ( XXXX XXXX XXXX ). There was a court appearance in XXXX for the debt. I contacted the collection agency to settle the debt for the amount of {$5000.00}. I made payments from XX/XX/XXXX to XX/XX/XXXX and I received a letter from the agency saying the account was resolved. 

Recently, I disputed the balance on my credit report, which showed I owed XXXX XXXX  XXXX XXXX {$2300.00} on a closed account. Since then, they increased the balance owed to {$5300.00} and reopened the account, tanking my credit score by 60 points. 

I contacted them today and spoke with their legal department which will pass the information to whomever needs it to rectify this. I am making this complaint because of aggressive tanking of my credit score at a time when I am looking to be preapproved for a home loan. It was retaliatory for something that shouldn't even have a balance, as they repossessed the car, transferred the debt to a collection agency which I paid.