23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

On XXXX I purchased XXXX tickets from a valid seller. We decided to buy XXXX more tickets and invite our friends to go with us to the XXXX XXXX concert. The purchase was made for {$2600.00}. When I tried to find the XXXX tickets I could not. I called NFCUXXXX and asked them who the merchant was and they gave me the rolling stones magazine phone number which was incorrect and no help at all. After many days of going through my phones records I found a screenshot for XXXX and contacted them. I discovered that every XXXX in the XXXX has a list of fraudulent claims against XXXX used an Unvalidated Redirect Attack to change my browser to their page instead of the same seller I had purchased the earlier XXXX tickets from. I was unaware of this. Turns out Tickets-Center.com is a reseller ; whatever that is. I paid for XXXX tickets and they would not give me the seat numbers or the tickets. 

I filed a dispute with NFCUXXXX XXXX XXXX and sent them all my research and history. The merchant sent an explanation that I had received the XXXX tickets and NFCU believed them. NFCU has done XXXX due diligence on this matter saying there is no billing error. 

There are many disclosures that XXXX  should have disclosed at time of purchase but they did not. The most important one was that when the day comes that I might get my tickets Id have to pay more money to join XXXX to get them. I did not ever agree to do this. 

I cancelled all my friends coming to Arizona in late XX/XX/year> since it was clear that I was not going to ever get any tickets. 

I can give you a detailed summary of events with dates and activities but it's too lengthy for an introduction to this dispute and I have to put those details in a document. But I'm happy to do so.
Product: Debt collection

I am  XXXX  and do n't think I owe this.
Product: Credit reporting or other personal consumer reports

Issues Arising : I have a few issues here from my understanding it is clear to me that I have mailed out several letters to each credit bureau asking them to validate each account which seem to be quite a few of fraudulent and questionable accounts that is listed in my credit report. Which is inaccurate information that's reporting. The credit bureaus have received each letter that was sent certified mail it's been over 2 months and I Have yet to receive any validated updated information concerning these accounts in question. It's very clear and bright to me that these credit bureaus are choosing to ignore the laws and decide to take advantage of consumers. I can not express my frustration enough on how big of a stress it is and how much money I have lost constantly. sending out letters with no response being that I just sent out another letter. XXXX 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 Account # XXXX, has violated my rights. 
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.

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

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, 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX ALL ACCOUNTS ) XXXX  ( ALL ACCOUNTS ) XXXX XXXX XXXX XXXX ( ALL ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( ALL ACCOUNTS ) XXXX XXXX XXXX  XXXX XXXX XXXX XXXX ( ALL ACCOUNTS ) 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 an 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, credit repair services, or other personal consumer reports

Transunion and XXXX are violating the United States federal code law under 15 U.S. code 1681b - Permissible purposes of consumer reports I never gave them or the companies below any written consent to report anything on my consumer report or consent which is identity theft. 

Transunion Inquiry : Account Name : XXXX XXXX, Date : XX/XX/2021 Account Name : XXXX XXXX, Date : XX/XX/2021 Account Name : XXXX XXXX  Date : XX/XX/2021 Account Name : XXXX XXXX XXXX Date : XX/XX/2021 XXXX Inquiry Account Name : XXXX, Date : XX/XX/2021 I have sent them a letter stating that they have violated these laws and they have still not deleted this from my consumer report.
Product: Checking or savings account

My company is a hotel, with about XXXX active employees. We are a family owned business and we operate the hotel. We are not a huge hotel we are a XXXX room XXXX star hotel that has its daily struggles and sometimes need loans from my credit card to keep going. 
On XX/XX/XXXX our company received an XXXX loan. We used a part to pay some A/P. Another part was sent to a different account to be kept in separate accounts the next month on XXXX the amount was returned to the original business account to be used for approved expenses. FastTrack to XX/XX/XXXX. Our company 's account is frozen due to " questions '' regarding those transactions from a year ago. I had my employee 's payroll money in the account. I had to get a loan to be able to pay my employees. The loan is like a payday loan huge interest. I called the bank and asked them about this this issue. which they told me, " its under investigation ''. I told them I agree and I am happy to provide any documentation just please unfreeze my account so we operate the business from it and pay my staff. Bank did not care they simply told me tell your staff its under review. We employee $ XXXX staff. They use their paycheck to pay for rent and food. it its not like I can tell them " he guys come next week for your dinner at the XXXX ''. I am fully aware and i agree if there is any suspect of fraud it needs to be investigated. I just see this as a huge abuse by the bank. They have not contacted me nor provided me with any documents. I was just told to email a email address provided after about 40 min on the phone. i will provide any requested supporting documentation i just need to be able to use my money and my account. especially after the winter storm our business had several issues.
Product: Credit reporting, credit repair services, or other personal consumer reports

There's incorrect addresses, and phone numbers on my report that I don't recognize. Therefore, I need this to be corrected before I end up being a victim because of wrong information being applied to various organizations that's not correct. See attachments below thank you.
Product: Debt collection

Recently showed in my Credit History ( XXXX ) that some Collection agency ( named I.C. Systems Inc ) added and worth {$120.00} in my bad debt. I am wondering about that amount come from in my credit history which impacted from last XX/XX/2020. 
But I have nothing pending in that amount so far. 
I found their Contact number from XXXX Portal and called 3 times. Unfortunately the customer service don't know either. Each time they transferred my call to some other division but after waiting and listening some music call dropped. 
I should mention that, so far in last one year I didnt receive any Mail, Email or any Phone call from that above organization/ agency.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXXXXXX Account number XXXX Date openedXXXX Status Paid, Closed. 
Status updated XX/XX/year> Credit limit {$5100.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting my personal information inaccurately when I request for removal their system wouldn't allow me to do so furthermore, they wouldn't be able to due to the names being tied to accounts that are reporting accurately. Knowingly the information is reporting accurately they are refusing to dispute & report accurate information which is a clear violation of my consumer right. 

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies You are in violation of FCRA reporting false & inaccurate information to my consumer report. The information is provided to update the accuracy of personal information containing my government name XXXX XXXX XXXX. Removal of XXXX XXXX & XXXX XXXX XXXX for complete accuracy to my consumer report. 

Failure will result under 15 U.S.C. 1681o. Civil liability for negligent noncompliance ( a ) In general Any person who is negligent in failing to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of- ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorney 's fees as determined by the court. 
( b ) Attorney 's fees On a finding by the court that an unsuccessful pleading, motion, or other paper filed in connection with an action under this section was filed in bad faith or for purposes of harassment, the court shall award to the prevailing party attorney 's fees reasonable in relation to the work expended in responding to the pleading, motion, or other paper.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act Capital One has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

{$1000.00} student loan account in collection/charge off that is reported to XXXX not equifax this inaccurate information is hurting my credit
Product: Credit reporting or other personal consumer reports

Unfortunately this CFPB needs to be opened in response to XXXX XXXX for tracking. In XXXX, it was mentioned by XXXX that the below credit reporting issue would be corrected after 60 days, but it was not corrected. I have tried to get in touch with the case manager, XXXX, but I have not heard from her by email and have missed her by phone. 

Did Barclays receive any error when submitting the below request, or has your dedicated XXXX representative said anything regarding this account? I have contacted XXXX, and they said that they have not received anything from Barclays, and that only the CRA ( Barclays ) would be able to inquire about this issue as it falls on the business ( not the consumer ) side. They have stated that Barclays need to get in touch with them directly to ensure that the reinsertion request has been received and processed correctly. Here is the original complaint : " The authorized user on my card ending in XXXX, XXXX XXXX, has not been reporting to XXXX ever since she was added to my account over a year ago. All other credit bureaus and authorized users are fine, and she has never been reported to XXXX ( i.e., account does not exist at all, so I can not dispute ). Barclays ' FCRA team needs to file a tradeline reinsertion request with XXXX which is a dispute on my behalf to reinsert the account into XXXX XXXX credit report. This can not come from me and I can not dispute anything as mentioned. 

I contacted Barclays ' customer support team and spoke with them for over an hour, and they can not even file a case with the FCRA team either and has no idea how to rectify this. Many banks ( XXXX, XXXXXXXX XXXX ) have a dedicated credit reporting team, and it's very discouraging to see that Barclays has XXXX agents understanding or even trained on this matter. ''
Product: Credit reporting

On XXXX XXXX, XXXX, I mailed a letter to Experian asking for them to conduct an investigation on various accounts. I received a letter dated XXXX XXXX, XXXX stating that " If you question the results of our dispute process, then you may want to contact the furnisher of information directly or review the original information in the public record. Please refer to your original personal credit report the furnisher or public records office name, address, and phone number ( if available ). 

According to the Fair Credit Reporting Act ( FCRA ), a national consumer credit reporting agency 's role in the dispute process is to review the accuracy and completeness of any disputed item which may include contacting the furnisher of the information r the vendor that collected the information from a public record source, such as a court or other government office, notifying them of the disputed information and disclosed all relevant information regarding the consumer 's dispute, etc. '' *This letter was sent to me however no results to the investigation were ever provided. 
*Using the report # on the letter sent, I was not able to access my credit report. 
*I was unable to access my credit report with the report # or with my personal information. 
*Contacted Experian on XXXX XXXX, XXXX and spoke with XXXX and went over the items that were placed under dispute. Not all items listed on my request were placed under dispute. XXXX stated she could n't see where they had sent out the results of the dispute and could n't find my letter initially. 
*She offered to place the items that were included on my letter that they did n't place under dispute in dispute, and I declined.
Product: Credit reporting, credit repair services, or other personal consumer reports

I an a natural person, I am a living human being, I have rights under 15 U.S.C 1681 Equifax is govern by 15 U.S.C 1681. And they violated my rights numerous of times. I demand the accounts listed below be removed because according to 15 U.S.C 1681 : I have the right to privacy and I did not give Equifax written permission to furnish theses accounts XXXX Card Services XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Identity Theft  XXXX  2010 ( police report on file in  XXXX , CT ). Received copies of credit report from TransUnion. There were errors on the report. Rep at the company told me to correct info on the report, send it back and it will get corrected. I did that and trusted that it was done. I still see errors on the report I just received due to a " denial '' by a credit card company.
Also, incorrect amounts owed, does not state when the credit card or home loan was paid in full or anything that would reflect something good that the consumer did.
It just states " high balance '' and shows an amount that I may have had for a day or 2 and paid off.
It is very disturbing to know that even though I am NEVER late paying bills, and can not even remember being late, my credit score is in the   XXXX   's giving me a " D '' rating due to the " angle '' that the reporting agency gives to make consumers appear as if we are and will be delinquient.
I really think that the Attorney General should look into this type of business practice/behavior also.
Product: Student loan

Navient/XXXX misallocated my payments, steered me toward multiple forbearances instead of income-driven repayment plans, and provided unclear information about how to re-enroll in income-driven repayment plans and how to qualify for a co-signer release. They never mailed me a payment booklet or coupon book so I never knew how much I owed. 
They have been charging me 9 percent interest for almost 20 years. I now owe quadruple what I actually borrowed back in 1995. They do n't even have an accurate account of how much I have paid over 20 years. I get no statement or emails from them. Only harassing phone calls and garnishment of wages even took place before I got laid off. 

What can I do? 
XXXX in Kansas
Product: Credit reporting or other personal consumer reports

For how long am I going to suffer from this account that was reported and I did not authorize of? I've been struggling on getting new loans because regardless of how many applications I try, I get rejected. I have sent complaints previously and all your company did was verify - not doing any action against this inaccurate account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute to XXXX, XXXX and Transunion regarding a Public Record ( Bankruptcy / Ref XXXX ) that is being reported on my credit files. They have all responded that the information was verified and accurate, however I have contacted the court and their response is enclosed. It is clear they do not report or verify information to any credit bureau. Therefore the information that is being reported is false, and has not been verified, the reporting requirements do not comply with the FCRA 611 ( 15 U.S.C. 1681I ) and the information must be DELETED immediately.
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. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - Incorrect XXXX XXXX XXXX XXXX - Incorrect Address XXXX XXXX XXXX XXXX XXXX Incorrect Address
Product: Credit reporting or other personal consumer reports

I haven't ran my credit through these companies but they are showing up on inquiries
Product: Credit reporting, credit repair services, or other personal consumer reports

3 month ago accounts in question was removed by 3 CRAs ( XXXX /XXXX XXXX and XXXX XXXX XXXX , same account numberXXXX ). 
2 month later the same accounts was placed back to my report in a violation with : 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( B ) Requirements relating to reinsertion of previously deleted material ( i ) Certification of accuracy of information If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate. 

( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have no recollection of these inquiries on my account I have called I have written and nothing has been done XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX credit Plus XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Xatus XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX They have failed to respond to my disputes they have failed to respond to my calls this is in violation of my rights I have put in fraud alerts on accounts
Product: Checking or savings account

XXXXXXXX XXXX  XXXX XXXX  are broken. I like many others have not received our payroll deposits.
Product: Debt collection

I pulled my credit reports today, XX/XX/XXXX, and noticed fraudulent activity. There should be no accounts, only XXXX XXXX XXXX. Earlier, I called the account creditors to let them know these are fraudulent accounts. The accounts are listed below. 

- XXXX XXXX in the amount of {$3700.00} was opened on XX/XX/XXXX. 
-XXXX XXXXXXXX XXXX XXXX XXXX on XX/XX/XXXX. 
XXXX XXXXXXXX XXXX  for {$610.00} date opened is unknown. 
-JPMCB Card for {$4800.00} dated opened XX/XX/XXXX XXXX XXXX XXXX XXXX {$1400.00} date opened unknown. 

I did not open these accounts.
Product: Money transfer, virtual currency, or money service

I can not link my bank account with XXXX to connect to the XXXX XXXX XXXX. I need this app to help me manage withdrawing the proper amount of money for taxes from my paycheck, as I am an independent XXXX. This is quite frustrating, as I already went through this once linking to XXXX.
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. 

XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX 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 an 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, credit repair services, or other personal consumer reports

I have sent out plenty of letters and emails to companies requesting information to be removed and updated yet no one has done anything. I have also tried to work with these companies myself to come to some sort of resolution to no avail! These things are interfering with my ability to move forward and its really frustrating! I have been irresponsible before as we all have but I really want them to correct these issues and let me go about my life!