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

On XX/XX/2021, I sent the credit reporting agencies letters notifying them that they are in violation of 15 USC code 1681b ( f ) - reporting inquiries without my permission, 15 USC 1666 ( b ) - truth and lending act., as well as the 15 US C 1681a ( 2 ) ( B ) I am in distress and this matter has affected me from getting access to different forms of credit which is I personally needed in my everyday living. I will be left no choice but to seek legal remedies shall this issue not be taken care of.
Product: Vehicle loan or lease

I was dumbfounded when I saw on my credit report late payment reporting for the date below : 30 day late in XX/XX/2019 I am unsure how this occurred. I believe I made my payments to you when I get my bill. My only thought is that I never received a statement that month.
Product: Money transfer, virtual currency, or money service

I went to the bank of comerica bank to do a cash advance on my debit card for the amount of XXXX which are my XXXX benefits the teller on XXXX they said it was denied on comerica end on which it cleared from my account never paid. Fraud and I feel the lady did it on purpose
Product: Credit reporting or other personal consumer reports

I understand that it is my right to obtain a copy of my rental report, under the Fair Credit Reporting Act. I am requesting a copyof my TransUnion Rental report sent to me via mail.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my 3 Bureaus consumer report and I noticed inaccurate information posted on my consumer report : XXXX XXXX XXXXXXXX Balance {$0.00}
Product: Credit card or prepaid card

On XX/XX/XXXX a payment of {$3000.00} was sent to XXXX. The check was cashed on or before XX/XX/XXXX which is when it cleared my bank. A copy of the check, front and back is attached. It has previously been provided to Synchrony Bank. 

Synchrony Bank which handles XXXX master card, has three times given credit for this payment and three times has reversed itself and says the amount is still owed. A copy of their lastest reversal is also attached. 

This problem has been going on for over a year. I requested arbitration in XX/XX/XXXX to resolve this matter and they have not responded yet to the arbitration request. 

The credit card number stated below originally ended in XXXX, but because of fraudulent charges after the above payment, the card number was changed to the one stated below.
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN provides me a free credit report online every month. Apparently this was for the purpose of complying with the Fair Credit Reporting Act. Ever since XX/XX/2019, they had stopped providing me a credit report free of charge every month. I am entitled to my credit reports. Rather than repair malfunctioning computers which prevents me from obtaining an accurate report Experian has suggested that I write a letter to fix the problem despite concerns in FCRA regarding efficiency. See e.g., 15 U.S.C. 1681 ( a ) ( 1 ) " Inaccurate credit reports directly impair the efficiency of the banking system. ''
Product: Credit reporting or other personal consumer reports

I been consistently trying to get account validation, statements and proof XXXX own accounts. No proof has been sent. No statements no nothing, but the credit bureaus keep verifying the account with no proof. I just filed another XXXX XXXX  affidavit, and now XXXX and TransUnion is saying they cant locate my credit profile or verify my identity after I sent all documents they requested from me. I cant call in to speak to a XXXX XXXX because everytime I call in, they ask me verification questions. When I answer the questions correctly, they tell me Im wrong on questions when I know the answers. The information in their database is incorrect and the credit bureau XXXX XXXXXXXX me a way to correct the info.
Product: Bank account or service

Bank state that I had overdraft protection when I had never asked them for that, They said they had mailed me a letter XX/XX/2015 telling me I had it and I had not responded otherwise so I accepted.
Product: Credit reporting or other personal consumer reports

It is enshrined in the annals of the Fair Credit Reporting Act, under the category of 15 USC 1681 section 602 ( a ), that consumer reporting agencies have the solemn duty of guarding the fairness, impartiality, and respect for consumer privacy in their line of work. In this scheme of stakeholders, esteemed institutions such as XXXX, Transunion and XXXX operate as consumer reporting agencies and I, the undersigned, fall under the category of the consumer. 
XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX  ) XXXX Balance : {$560.00} XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX
Product: Credit card or prepaid card

Paypal credit keeps trying to make me pay for credit I can't afford to pay because I am now on social security disability benefits. I do not make that much I only get paid monthly and my social security benefits can not be garnished. SSI can not be garnished by any creditor or debt collector.
Product: Debt collection

I checked my credit report and saw I have a collections account from Credit Control Corporation. I sent this agency a letter on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and lastly XX/XX/XXXX asking they validate the debt. The agency has not replied to any of my letters but yet continue to report the account to the credit bureaus as negative.
Product: Credit reporting or other personal consumer reports

MY PERSONAL INFORMATION WAS INVOLVED IN BOTH EQUIFAX AND XXXX DATA BREACH. I OBTAINED A COPY OF MY CREDIT REPORT AND IDENTIFIED ACCOUNTS THAT I HAVE NO KNOWLEDGE OF, NOR HAVE I EVER OPENED. 

I CONTACTED EACH BUREAU BY PHONE AND FOLLOWED BY CERTIFIED MAIL REQUESTING VERIFICATION OF EACH ACCOUNT. EACH ACCOUNT IS UNVERIFIABLE BUT STILL REPORTING TO MY CONSUMER PROFILE. 
THESE ACCOUNTS HAVE BEEN REMOVED AND NEED TO BE REMOVED FROM THE BUREAUS I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 EACH BUREAU HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY, REPORTING INACCURATE ACCOUNTS IS IN VIOLATION OF 15 USC 1681EB .

DUE TO THE NEGLIGENCE OF EACH BUREAU IF NOT CORRECTED WITHIN 15 BUSINESS DAYS I WILL BE SEEKING MONETARY COMPENSATION OF {$1000.00} PER VIOLATION AND LEGAL ACTION
Product: Checking or savings account

I was in XXXX, Mi today, XXXX/XXXX/XXXX. I usually use a branch located in XXXX XXXX, Mi. I needed to withdraw {$500.00}, from an available balance of {$640.00}. I attempted to withdraw through the drive-through around XXXX at Key Bank- located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX. After submitting my valid id and withdraw slip I waited 15 minutes to have the teller tell me I could not withdraw as the money was on hold. She said I could come into the branch and resolve this. At this point I had to wake up my XXXX XXXX XXXX and bring him inside with me to withdraw my money. I pulled up my online banking which clearly shows my total available balance. the tellers kept saying they could not see where my {$500.00} deposit originated. It came from my mother on XXXX, not that that is any of their business. It had cleared and always has instantly. I was told it had not " hard cleared ''. They could not explain why I could use my debit card, or withdraw from an atm but could not walk into a branch with valid ID and withdraw My available funds. I was being racially profiled and discriminated against in a suburban area. My finance withdrew {$330.00} from a branch in an urban area hours later with no problem. I called key customer service and filed a formal complaint. I asked about their policies and asked if the status of the funds had changed at all since I was inside of that bench. I was informed that the amount had been available I was denied access to My available funds. The customer service agent apologized and agreed that the funds should have been allowed with valid ID. I was told that was wrong and that someone would call and or email me. But no resolution came about. I took everyones names and am filing a complaint here because my civil rights have been violated. I am contacting a lawyer to pursue a lawsuit and dismantle illegal racial discrimination.
Product: Credit reporting or other personal consumer reports

COMPANY TRANS UNION IS STILL BREAKING THE LEGAL, REAL, CONSUMER LAW WHEN IT PERTAINS TO MY CREDIT REPORT. TRANSUNION IS BUILT OFF OF SLAVERY AND THIS COMPANY WILL NOT REMOVE FRAUDULENT INFORMATION OFF OF MY CREDIT REPORT EVEN THOUGH TRANSUNION HAS ALL PROPER DOCUMENTATION SUCH AS FTC REPORT, ORDER TO CEASE AND DESIST WHICH TRANSUNION HAS DISREGARDED AND VIOLATED SEVERAL TIMES WHICH IS NOW SUBJECT TO LEGAL ACTION IN COURT, PROOF OF ADDRESS AND PROOF OF IDENTIFICATION. TRANS UNION CONTINUES TO BREAK THE LAW AND NOW AND HAS STILL BEEN VIOLATING ME AND MY RIGHTS AS A CONSUMER. COMPANY TRANS UNION IS IN VIOLATION OF : 1. AGGRAVATED IDENTITY THEFT - 18 USC 1028 A. 
2. 15 US Code 1681a ( 2 ) ( B ) - CHARGE OFF, REPO, FORECLOSURE 3.15 US Code 1681 c 2- BLOCK OF INFORMATION RESULTING IDENTITY THEFT 4. 15 US Code 1681e ( b ) - MAXIMUM ACCURACY 5. 15 US Code 1681 a 2 - DEFINITION, RULES OF CONSTRUCTION 6. 15 US Code 1692 C - COMMUNICATION IN CONNECTION WITH DEBT COLLECTION 7. 15 US Code 1692 G - VIOLATION OF REPORTING A COLLECTION 8.15 US Code 1601- CONGRESSIONAL FINDXXXX AND DECLARATION OF PURPOSE 9.15 US Code 1681 a ( 2 ) ( A ) ( i ) - LATE PAYMENTS 10. 15 US Code 1681b ( a ) ( 1 ) ( 2 ) - PERMISSIBLE PURPOSE 11. 42 USC 408 ( ILLEGAL AND FRAUD TO ASK FOR SOCIAL SECURITY NUMBER ) 12. SECTION 604 15 US Code 1681B - PERMISSIBLE PURPOSE ( FULL DETAIL ) 13. SECTION 605 A 15 US Code 1681 C-1 - IDENTITY THEFT PREVENTION ; FRAUD ALERTS AND ACTIVE DUTY ALERT 14.SECTION 506 B 15 US Code 1681 C-2 - BLOCK OF INFORMATION RESULTING FROM IDENTITY THEFT AGAIN TRANSUNION WAS PROVIDED A FULL FTC REPORT OF ALL ACCOUNTS WHICH XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AND XXXX XXXX XXXX XXXX AND TRANSUNION WILL NOT REMOVE THESE FRAUDULENT ACCOUNTS EVEN THOUGH THEY ARE BREAKING THE LAW AND THEY HAVE PROOF TO REMOVE. 
ALL VIOLATIONS THAT HAVE BEEN COMMITTED AGAINST ME, I WILL NOW BE REQUESTING {$2000.00} PER VIOLATION, PAIN AND SUFFERING, AND THE PAY OF COURT COST. THE TOTAL OF COMPENSATION IS {$50000.00}. COURT WILL BE AT A LOCAL VENUE NEAR ME. I HAVE BEEN DISPUTING THE FRAUDULENT ACCOUNTS THAT ARE ON MY CREDIT REPORT FOR YEARS. THIS SAME INFORMATION, OTHER BUREAUS HAVE REMOVED FRAUDULENT ACCOUNTS AND I DON'T UNDERSTAND WHY TRANSUNION WILL NOT REMOVE THIS INFORMATION. TRANSUNION CONTINUES TO BREAK THE LAW AND IS AWARE OF BREAKING THE LAW. REMOVE ALL HARMFUL, UNLAWFUL, DECEPTIVE, ILLEGAL, FRAUDULENT INFORMATION FROM MY CREDIT REPORT! TRANSUNION YOU ARE BREAKING THE LAW CONTINUOUSLY.
Product: Credit reporting or other personal consumer reports

I have gone from a XXXX credit score to a XXXX and still am unable to get approved for any type of credit. I even have an XXXX that was formed XX/XX/2023 that Im unable to get any form of financing for all based on my XXXX and clarity by XXXX providing misleading information to myself and the potential lender. I feel that I am being discriminated against by not being able to qualify for any form of financial help when I have shown 2 years of on time payment history and XXXX collections or delinquent accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX I 15 U.S. Code 1692c - Communication in connection with debt collection 15 U.S. Code 1692b ( 4 ) not communicate by post card 15 U.S. Code 1692 ( 2 ) not state thar such consumer owes any debt 15 U.S. Code 1692 ( 5 ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt
Product: Credit reporting

On XXXX XXXX, I received a notification from ( XXXX ) an agency that monitors my credit and alerts me to anyone pulling my credit. I was informed that Equifax placed on my credit that XXXX had pulled my credit for a credit card. I called XXXX and they reported that no such thing happen. XXXX told me to dispute the inquiry on my credit report. I went online to try to dispute, but Equifax would not allow me to dispute online. So I called them today, and the woman told me that they do not allow for inquiries to be disputed. I asked her when did this start, because 6 months ago I had to dispute inquiries and incorrect information on my credit report and after they investigated, the corrected the information. The lady on the phone told me they have never allowed anyone to dispute inquiries. Equifax had extra SS numbers on my credit report, and incorrect credit inquiries on my credit report. I asked to speak to her supervisor, a man got on the phone and told me he was not going to investigate because it was an accurate public inquiry. I told him that I had spoke with XXXX and they even denied pulling my credit. I have noticed a consistent pattern with Equifax, as soon as an inquiry falls off my credit, another one appears, there are there are a total of XXXX unexplained inquiries on my credit report from Equifax that they refuse to remove or investigate, XXXX and XXXX are on the same page, I only have XXXX inquiries, but with Equifax i have XXXX and XXXX are unexplained. 

This was an inquiry on my credit on XXXX/XXXX/XXXX from XXXX, they flat out refused to investigation and told me this would continue on my credit report till XXXX/XXXX/XXXX. I would like this inquiry removed, I did not make this inquiry and XXXX validated the information..
Product: Credit reporting

I 'm getting nowhere with these CRAs so I 'm complaining against each of them. I keep receiving results stating that these items have been verified but I know for a fact that congress is very clear when they state that the FCRA can not be " interpreted '' and that once I notify them that their results are wrong, they have to go beyond the original source of information, which they have not! I asked to see the documentation that they are using and I never received anything. I also did n't receive the procedures used to verify or investigate. Congress also states that the only way that an account can be verified is by having firsthand knowledge and using XXXX to do their " investigations '' is NOT legal verification. I also have accounts that were previously deleted that were reinserted without notification which is in violation of the FCRA and I did notify them and nothing was done to remove the reinserted accounts. 

Here are my disputes with Equifax : XXXX XXXX I told you that you have the wrong balance on this account and that I do n't owe the amount listed on my credit report. You also have the wrong open date listed and all XXXX bureaus are showing something different, so can you explain to me how you are verifying the open date of this account when they 're all different? 
XXXX XXXX XXXX I notified you that this account is unknown to me and you have n't done anything to show me that it actually belongs to me. Using XXXX to " verify '' is not legal verification, when you are just parroting what the creditor says! Where 's the documentation? Prove it or lose it. 
XXXX I 've already told you that the balance listed is n't correct as well as the account type and the status of this account. I do n't have a charged-off or account in collection with this company. 
XXXX XXXX XXXX failed to legally verify, please remove pursuant to section XXXX of the FCRA XXXX XXXX I notified you that this account is unknown to me and you have n't done anything to show me that it actually belongs to me. Using XXXX to " verify '' is not legal verification, when you are just parroting what the creditor says! Where 's the documentation? Prove it or lose it. 
XXXX I told you that this account as not charged-off, which means that the date of last activity is not right and you have the wrong balance. I do n't owe anything on this account XXXX the open date of this account is totally wrong XXXX XXXX You are now in violation of the FCRA, as I already notified you that this account was removed on my XXXX/XXXX/16 report and was reinserted on my XXXX report - report - you did not notify me of this reinsertion pursuant to section XXXX XXXX show me the proof that you have this account listed 100 % accurately. I told you that the account # and balance are wrong and you did n't do anything about it, did you?
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern I would like to make this brief. I have contacted XXXX, XXXX, and TransUnion on several occasions by certified mail, phone call, fax, and online. It seems to me that this is becoming more of a fairy tale joke to you and no one has responded. I contacted each creditor but no one was able to confirm that the fraudulent accounts and inquiries are mine. They havent not yet provided me with any proof of an original document showing my signature. By law with in the FCRA 609 it must me removed immediately. It has been more than 90 days for this investigation and my results were deleted online and Im sure it was done because I called in to mention that I have record and recorded every call, I made copies of all court documents and I definitely had a run in with you guys a few years back to due to lack of providing proof of evidence on how inaccurate information was placed on my report. It seems that this is the same situation. I am fed up and this will result in a court room. I will allow the judge to make the decision because I have had previous problems with you guys.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX XXXX XXXX XXXX XXXX. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. As per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Product: Checking or savings account

Received emails about new account opening followed by email about change of phone number from site XXXX  Called XXXX  to close the unauthorized use of my identity to open the account. 
Chime closed the account and sent me email confirmation of account being closed and reporting of fraud.
Product: Credit reporting or other personal consumer reports

I recently found that there are several fraudulent items on my credit report that dont belong to me. I do not have any idea regarding these fraudulent accounts on my credit report. I do not have a record of doing business with these companies. I'm reaching out regarding these fraudulent items and for assistance to remove them from my credit report immediately.
Product: Student loan

My personal and financial data was illegally accessed and used. Compromising my data is a violation of FERPA.
Product: Credit reporting or other personal consumer reports

I was doing my regularly credit report check and noticed that there were a few strange STUDENT LOAN accounts from DEPT OF EDUCATIONXXXX ( Accounts listed below ) on my credit file. I never opened any accounts nor done any business with that company, therefore its been fraudulently opened. The accounts show as STUDENT LOANS. I have listed the account numbers below. I request that this account be erased from my credit file and any internal database, as I am not liable for any accounts opened without my knowledge or consent. This couldve been completely avoided had you all followed the necessary precautions given that I have an active security freeze on my credit file due to prior identity theft involving my sensitive information. 

I request that these Student Loan accounts be completely erased from my credit file immediately as it is incorrect information. I have no knowledge of this account whatsoever, and I am not liable for fraudulently opened accounts XXXX OPENED ON XX/XX/XXXX {$15000.00} BALANCE XXXX OPENED ON XX/XX/XXXX {$3700.00} BALANCE XXXX OPENED ON XX/XX/XXXX {$3500.00} BALANCE XXXX OPENED ON XX/XX/XXXX {$9200.00} BALANCE
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution proce was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate
Product: Student loan

XXXX/AES both utilize a glitch in their computer system to collect more late fees/interest on student loans. I started paying back my student loan in XXXX, 2006, and I am 2-3 years ahead in paying back student loan. However, AES indicated to credit bureaus that I was late 60-90 days, when in fact I was ahead 2-3 years ahead in paying back my loan. Whenever a person is 2-3 years ahead in paying back loan, and if they are set up on direct debit where the system/loan gets paid automatically by direct bank payments, the computers start thinking that a person is late once the direct bank payments stop. The computers do n't consider that a person was ahead 2-3 years ahead of paying back loans, and immediately start indicating a 30/60/90 day late notice when no late notices should be charged as person can be ahead 2-3 years. The staff/people at XXXXAES are aware of the glitch, however, they still collect on late fees/interest when we are 2-3 years ahead of paying back loan. I have been waiting patiently for AES to refund late fess and remove negative information on credit reports, but they have failed to do so. It Is against the law what these companies are doing. If you note on attached documents, AES indicates that no payment needs to be made for several months, but on the other document, it states that I am past due 13 days. They ca n't have it both ways, and I am over 2-3 years ahead of payment schedule.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX car loan already paid XX/XX/2022. XXXX not taken off from all XXXX  credit reports. I have sent paperwork in the mail XXXX. They claim that they don't have information but I have gone to bank and they do have it. I am requesting it be deleted. 
XXXX XXXX  There are XXXX accounts which I have been told no paperwork on file. 
XXXX has no longer any paperwork on this account. The only account mortage is XXXX service. XXXX  bank XXXX XXXX has no paperwork in the computer, XXXX no account in the system.Bank XXXX  XXXX is XXXX years old. It has been paid. I want it deleted off reports.
Product: Credit card or prepaid card

Card doesn't have a chip. Merchant refused to swipe card.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello and thank you for taking the time to review the complaint. According to XXXX  XXXX XXXX continues to tarnish credit reports. Sent letter out to request removal of negative reporting. The account is over the seven-year statute of limitations.