23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

On XX/XX/XXXX I called to get a new card expedited but the automated service advised I had an overdraft fee of {$27.00} and some change on my prepaid card! Knowing that the balance at that time was {$81.00} the last deposit with no fees deducted I called to speak with a representative to find out what was going on because the card is a child support card and there should never be an overdraft due to the way the card is set up! I was hung up on because I told the rep I was recording the call for legal purposes! I called back ( and recorded the call anyway the next rep told me my balance was {$81.00} which was the amount deposited into my account on XX/XX/XXXX after investigating I was told the overdraft came from a previous card that was reported by me as lost or stolen In XXXX of XXXX! The charges came in on XX/XX/XXXXXXXX  one for {$100.00} and one for {$30.00} and after being placed back on hold with the representative they took the balance that was on my card, which was partial payment, another thing that should not be allowed on my card! The numbers didn't even add up! If the charges added up to {$130.00} and {$81.00} was deducted the balance of the overdraft should have been {$56.00} not {$27.00} and some change! On XX/XX/XXXX another deposit was made and they took {$25.00} but no one could tell me who withdrew the money it was showing as a deposit but it was withdrawn? After calling for almost 2 weeks because no one ever tried contacting me about the issues as promised and speaking with several reps and supervisors who also didn't understand or had knowledge of what was going on! ( should have been in the notes as a matter fact there should have been a flag on my account! A supervisor told me that its normal for a merchant to collect on a card that was reported lost or stolen and I need to contact the disbursement center for child support because they are the ones who took the {$25.00}. After speaking with the disbursement center I was told they never withdraw they only deposit. Also none of the charges they speak of show when I go online! During this process I was lied to so many times hung up on and I was not rude! This situation lead to me not being able to pay my bills and as a result I could not work because I work from home and my internet bill needed to be paid that's why I tried to get the card expedited! One of the calls were to long to attach so I created a link and put it in a word document!
Product: Debt collection

I submitted a dispute on a credit card account for Victorias Secret that is on my credit report. The person who opened this account also wrote bad checks from XXXX XXXX XXXX that i just spent 7 months clearing up. I dont know what else i can do. Number 1, i was homeless on the streets when tnis account was opened. I havent had a VS CC since 2002. 

The collection comp any is XXXX XXXX. On the report it states there was a second card holder by the name of XXXX. And thats it. No last name or any information. I dont know 1 XXXX. 

There phone # is XXXX My name is XXXX XXXX XXXX Thank you so much
Product: Credit reporting or other personal consumer reports

I have tried to resolve this issue with this debt collecting company and they have yet to delete the item from my credit report. I have reached out multiple times and they have shown no proof off who acquired this account. This account only reports to transition and I am not aware of this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus stated that the account belonging to XXXX XXXX XXXX was properly investigated and all information is accurate however this can not be true since there are more than 70 violations combined for the XXXX accounts opened XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. According to 15 USC 1681, all information furnished by the bureaus must be 100 percent accurate. For these accounts, it is reported that they have been charged off according to Experian however, XXXX reports that they have been charged off and that there is a balance due thus making the accounts past due as of XX/XX/XXXX. This makes no sense and the reported information is not matching up. This mismatch of information is noticeable for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX for all six accounts. On all six accounts for XX/XX/XXXX, XXXX reports that the accounts were in good standing however Experian reports 30 days delinquent. On all six accounts for XX/XX/XXXX, XXXX reports that the accounts were 30 days delinquent however Experian reports 60 days delinquent. On all six accounts for XX/XX/XXXX, XXXX reports that the accounts were 60 days delinquent however Experian reports 90 days delinquent. On all six accounts for XX/XX/XXXX, XXXX reports that the accounts were 90 days delinquent however Experian reports charged off. On all six accounts for XX/XX/XXXX, XXXX reports that the accounts were in good standing however Experian reports unknown status. On all six accounts for XX/XX/XXXX, XXXX reports that the accounts were unknown status however Experian reports that they were current on payments. On all six accounts for XX/XX/XXXX, XXXX reports that the accounts were unknown status however Experian reports that the accounts were current on payments. The combined 77 violations notated in these six accounts are grounds for removal as they are violating XXXX XXXX XXXX ' rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX Account # XXXX XXXX Accounts Account # XXXX XXXX Account # 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is reporting a account on my credit report that is not mine. the amount is {$12000.00}. I have contacted Transunion and the will not investigate and show me what they received from the investigation. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit act reporting act XXXX  Account # CAPITAL ONE XXXX XXXX  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 a account without my written instructions. 15 USC 166B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent account in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of account/items which do not belong to me or were opened without my permission. 

XXXX XXXX, XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, NV, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NV, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, NV, XXXX XXXX XXXX XXXX Open Date XX/XX/2016 Balance : {$7200.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion 's Failure / Refusal to remove a Dismissed Bankruptcy from my file in violataton of Fair Credit Reporting Act Sec.1681c relating to bankruptcy about dismissals or filings. The law clearly states from date of adjudication or order of relief. Any case civil or otherwise, which is dismissed no longer exist in the eyes of the law and the case filed has never been adjucated. Therfore, Transunion / XXXX XXXX ( Reverification Company ) has no right to maintain information which the government has deemed non existent. Once again, pursuant to Sec. 1681c ( a ) ( 5 ) of the FCRA, Transunion must delete this information from my report and send me an updated copy when this correction is completed, Transunion must stop depending on XXXX XXXX for reverification of false / incorrect information that is in clear violation of the FDCPA. Additional Complaints are being filed, by me on XXXX XXXX & Transunion with the BBB. This also being reported to XXXX in the same manner. XXXX XXXX is knowingly abusing the law and has incorrectly re verified this information at least five times. XXXX XXXX attempts to justify their actions by incorrectly stating that a non appearance for a 341 hearing that results in a dismissal is an adjudication. Transunion needlessly reinvestigated the file ( multiple times ) after being informed of the exact Section of law and blindly accepts XXXX XXXX 's abuse of the FCRA Law.
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX, WA XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$7900.00} XXXX XXXX Balance : {$1200.00} XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Student loan

I submitted a large payment ( $ XXXX ) through the Fedloan Servicing online portal. 

I intentionally targeted the payment to my unsubsidized federal loans with the highest interest rates.

Fedloan Servicing proceeded to re-apply my payment to the lowest interest subsidized loans first and leaving an outstanding balance on my highest interest unsubsidized loans.

I believe there are malicious and potentially fraudulent processes in the Fedloan Servicing collection process.
Product: Money transfer, virtual currency, or money service

Venmo user name : @ XXXX XXXX I initiated a transfer of {$700.00} on XX/XX/XXXX Transaction id # XXXX, which was supposed to arrive by XX/XX/XXXX. I never did arrive. I submitted tickets to VENMO customer service, uploaded proof that for 8 days the transfer never showed. Here is their last correspondence:5/26 " XXXX here from Venmo Support to help you with your {$700.00} standard transfer that happened on XX/XX/XXXX. 
I am sorry for the last communication & the confusion this may have caused. 
I see the standard transfer was created on XX/XX/XXXX and approved the same day. I then see it was issued at XXXX PM on XX/XX/XXXX. The transfer completed successfully to bank ending in XXXX the same day. 
I do not see any errors or declines XXXX. 
I understand how important it is that you receive these funds as soon as possible, so Ill do what I can to help. 
Im going to escalate this issue to the appropriate team. They can provide a trace number ( like a tracking number in shipping ) to help your bank locate the transfer. To help with their investigation, pleaseclick on the upload link belowandprovide a digital copy or photo of a statement from the bank account. 
Feel free to cover sensitive information such as full account numbers, and please ensure to provide the bank name, the last XXXX digits of the account number, your running balance, and all the charges that took place between DATE_BEFORE_TRANSFER and SEVEN_DAYS_LATER. " As you can see it is stated a " tracking number " would be provided, so my credit union could find where it put the transfer. They never responded after this above response. Their lack of response with the tracking number, and the fact that I sent a small transfer later on which posted the next day to my credit union account, tells me the problem is not with my credit union It appears they just hope to ignore my problem I willl go away. wrong. Please help! XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX {$49000.00} XX/XX/XXXX XXXX XXXX {$15000.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX {$5900.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$600.00} XX/XX/XXXX XXXX XXXX XXXXXXXX {$290.00} XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX {$270.00} XX/XX/XXXXXXXX XXXX XXXX XXXX {$270.00} XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX 15 U.S.C, 1681section 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

XXXX has failed to fulfill its legal obligation under the Fair Credit Report Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverified accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systematic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable response, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am having a identity theft issue that I am not able to resolve directly with the credit reporting agencies or the companies. I have decided to file complaint for myself in hopes that the back and forth ends here. I have already open a case with the US Federal Courts to assist me with the suffering this has caused. I had to do my own research into the matter and I find that the credit reporting agencies reporting fraudulent accounts to my credit file without my permission is a consumer law violation per 15 USC 1681 ( b ). Acct # XXXX, XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX are accounts not to be listed on my credit file someone else used my identity.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers XXXX was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days n they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit reporting or other personal consumer reports

This complaint is related to a prior complaint of Equifax reporting and investigation of this issue. Equifax reply was inaccurate, unsupportive and lacked evidence to respond back in the prior complaint # XXXX made on XX/XX/XXXX and Equifax replied back on XX/XX/XXXX in capital letters, Bureaus Equifax VERIFIED THAT THIS ITEM BELONGS TO YOU was completely false, misleading and unsubstantiated response! Ive already sent certified and delivery confirmation letters with delivery proof to this entity, the Bureaus collection company to send verification information as well as cease and desists all affiliated agents to stop contacting me as well. This was on XX/XX/XXXX and received by this alleged entity, The Bureaus on XX/XX/XXXX and XXXX XXXX with no response other than copies of a billing statements. AGAIN TO EQUIFAX REPORTING, DO YOUR JOB!! This item must be returned immediately and it is not verified as you have stated. False, misleading information on your part has been provided to this government agency, the department of consumer affairs as to this complaint. I have already filed proof of this alleged entity is not mine and for Equifax to accept just copies of someones billing statements that show NO PROOF of this being mine is outrageous and unethical conduct by Equifax reporting agency. I will file a formal complaint against Equifax for false and misleading investigation practices to the the Federal Trade Commission and my State Attorney Generals Office for further action against Equifax reporting.
Product: Mortgage

On XXXX I inquired again to Movement Mortgage of what became of my end of the year escrow monies when they stated that I owed them over {$3000.00} for homeowners insurance after I sent {$2200.00} from a cancellation insurance policy that they paid this summer, last week. I was informed that I still owed them over {$3000.00} and they will increase my mortgage from {$720.00} to {$1300.00} starting XXXX. I'm currently in XXXX  XXXX and a XXXX  XXXX veteran on a fixed income in which they know this.
Product: Credit reporting or other personal consumer reports

I have previously disputed this account and I am in disagreement with the item listed below which still appear on my credit report, even after your Investigation. I would like this item immediately re-investigated. Please provide me with method of verification. These inaccuracies are highly injurious to my credit rating. Please provide documentation which justifies your belief that this erroneous account is accurate and in fact reporting per the FCRA requirements. 

XXXX  Account Number : XXXX Date opened : XX/XX/year> Furthermore, in accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up.

You have 15 days to correct this INACCURATE information! Send me a new report after you DELETE these erroneous accounts.
Product: Debt collection

As of XX/XX/2004 the company XXXX XXXX XXXX ( for XXXX University ) has been trying to collect this debt. I had asked for info, got the information. Since then they have signed me up saying i owe them for a course through their university. I have never received any books, test or even taken any course from their university. I have repeatedly sent letters to collection companies saying I do not owe this and have reported them to the credit bureau. This has been going on for 14 years and I am tired of this. It needs to stop.
Product: Vehicle loan or lease

From the get go, I thought my APR was extremely high when I purchase the vehicle considering the fact my credit was decent and put down a payment. I was on time for my payments for a whole year and some change never missed a payment or was late and asked for an extension because I XXXX XXXX XXXXXXXX  and I wasnt working. So I just asked to have an extension for some time. I got back on track by taking out a loan. And I fell behind and I called to talk to someone about putting my payments on the back end because my payment was extremely high anyway which I couldnt understand. I talked to the rep over the phone and we came up with some payment arrangements and my vehicle was picked up two days later. I called to see why it was picked up bc there was an agreement and the other rep couldnt tell me anything or any reason why they dont have any record of the conversation or any type of notes of the conversation Ive had by the other rep that I spoke with. I tried working something out then on the phone and they told me there was nothing they could do unless I paid for the entire loan and I asked my about my belongings in the vehicle and he said he had no information on the third party tow company that they gave my information to without me consent.