23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

XXXX, XXXX and TRANSUNION have violated 15 USC 1681 by reporting inaccurate information.This inaccurate reporting has caused injury to me and emotional damage due to not being able to access my credit. They have also violated 15 USC 1681C ( a ) ( 5 ) which 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. '' These accounts are adverse items and they are reporting again without my permission which is against the law. Again, these adverse items are causing injury and damage to me because they are preventing me from accessing my credit and being able to get the house, car and food I need for me and my family. 

Inaccurate accounts that need to be removed include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

This is the continuation of the previous complaint ID XXXX. Because the system of Consumer Financial Protection Bureau automatically closes the complaint down right after receiving a response from the bank, so I have to open up a new complaint. 

The response from the bank was a XXXX XXXX XXXX XXXXXXXX, the XXXX XXXX XXXX is a XXXX XXXX XXXX and she told me in her letter to call their Customer Service about their closing my accounts when their Customer Service does not have any information and does not know anything about it? She wants me to call their customer service and yell and fuzz at their customer service instead of her when their customer service does not know anything about t he issues? 

When Ally Bank closes down my accounts UNFAIRLY, they only sent me a letter saying that they closed my accounts down ; that was it, they did not say anything why or what was the reason. I called and asked but they were not able to tell me why. 

I still have records that I did complained alot about their online banking was down a lot that I could not pay my bill using their pay bill features, and I think they revenged me for complaining by closing my accounts down. 

Also, I did use my debit card to purchases and later disputed some transactions. However, I do not think that is the reason why.
Product: Debt collection

In XX/XX/XXXX, I was notified by Midland Credit Management of a debt with XXXX  XXXX. Someone has stolen my identify, opened an account, and made purchases of {$460.00}. They indicated that the account was opened on XX/XX/XXXX and they made purchases in XX/XX/XXXX. This is not my account. I have no idea who would have stolen my identity and I didn't recognize the address on the statements they provided me.
Product: Money transfer, virtual currency, or money service

My PayPal account has more than {$4500.00} that PayPal is refusing to allow me to withdraw for 6 months. I have no outstanding refunds or other issues. Last week, PayPal requested more information on routine transactions that I immediately provided to the company. Today, it informed me my account would be closed with no further information and said it would not allow me to access my money for a period of 180 days. There is no legitimate reason for PayPal to hold my money. If they want to close my account, fine, but they need to give me money. There are no outstanding orders, refunds or any other type of transaction that necessitates PayPal holding onto my money in order to ensure there is money to cover any returns or refunds.
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 XXXXXXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX # XXXX XXXX # XXXX 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 XXXX 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: Vehicle loan or lease

Multiple calls were made to my personal phone number DAILY from the same company with different numbers. This continues to happen even after a call on XX/XX/2022 ( I believe ) to this company to desist and that we would sign over our vehicle back to them. 

I notified the company around XXXX XXXX, 2022 that my income had GREATLY decreased and that we would do our best to pay. They notified me that I could not lower my payments and told me to pay and threatened repossession and that they would report my delinquent activity to the credit bureau. My family couldnt afford to eat working on a XXXX budget with an auto loan that cost {$500.00} per month and would sometimes throw my account way more in the negative.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this XXXX  account accuracy many MANY times with both equifax, XXXX, and XXXX ( which handles their deliquent accounts ) and to no avail, have not had any success. Equifax CONTINUES to report XXXX XXXX XXXX as verified and correct when it is in fact incorrecct. I pulled my account today and now it reads as CHARGE OFF when it is PAID AND SETTLED. How can something be paid and settled but be a charge off at the same time? Furthermore, Equifax continues to commit fraud as they are not actually reaching out to confirm if the amounts, date of last payment, and status of the account is correct. How can they report something today but I spoke with XXXX  TODAY and have attached transcript of our conversation staying that Equifax 's reporting is inaccurate and that it doesn't match the data that they have. THIS HAS CAUSED SEVERE EMOTIONAL DISTRESS AS I AM A SINGLE MOM TRYING TO FIX HER CREDIT AND GET MY CREDIT REPORT ACCURATE! It is against the law for credit bureaus to report information they know that is inaccurate. I have provided several emails from XXXX, XXXX XXXX and they have not done anything to help. This needs to be fixed ASAP! I called XXXX today and had them send me confirmation showing my payment was paid on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit bureaus stated my XXXXXXXX XXXX Account # XXXX was properly investigation and verified and everything is was % 100 accurate. 

But how is that possible if the Account numbers is inaccurate, the date last active is inaccurate, and date last reported is not accurate and high credit limit is not accurate, And the date opened is not accurate and the date of last payment not accurate and Number of months ( terms ) is inaccurate.This is grounds for removal they also violated my rights under : 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 USC 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 items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years.

15 USC 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 reasonable cause to believe that the information is inaccurate.

According to the law 15 U.S. Code 6 1681a - Definitions : rules of construction.

The TERM " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.

They did not modify or delete the inaccurate information on my consumer report according to 15 USC 1681 ( 5 ) ( A ) ( i ). 

I attached an updated consumer report as evidence and all three reinvestigations responds from credit bureaus.
Product: Debt collection

Original Creditor : XXXX XXXX XXXX XXXX # : XXXX XXXX CREDITOR ACCT # : XXXX XXXX XXXX, XXXX. 
XXXX XXXX XXXX. 
XXXX XXXX, NJ XXXX XXXX In XX/XX/2016 I was involved in a vehicle accident. There were issues with the insurance company. Once the issues were retroactive The insurance paid their portion, GAP paid their portion. 

The insurance did not pay the original amount due to the information that was communicated via XXXX XXXX. The vehicle had been sold. The title that was presented to my insurance company at the time. 

Due to the insurance issues XXXX XXXX repossessed my vehicle. I don't have a date nor do I understand how does a company repossess 's a damaged vehicle. Nor was it communicated either that the vehicle had been repossessed. That information was provided through my insurance company at the time. 

The reason for my complaint is because XXXX XXXX is providing fraudulent information towards my credit report. They were paid in full by the insurance company what they should receive. Due to XXXX XXXX 's mishandling of the account at the time. Therefore, the amount of {$4500.00} should not reflect upon me. I do not owe this amount nor do I have knowledge of this debt. By this company mentioned above. Nor by XXXX XXXX. 

While this issue was going on with the insurance company at the time I also communicated with XXXX XXXX once a week to keep them informed. I spoke to a representative who was rude, and unprofessional. 

Since my vehicle accident I have attempted several ways to expunge this debt from my credit as it is not a charge off. 

This fraudulent debt is a defamation of my character. Nor does this help my credit in any form or fashion. 

If I was able to resolve this issue with my insurance company at the time then XXXX XXXX should be responsible enough to understand and remove this fraudulent debt from my credit report. XXXX XXXX received payment for the vehicle regardless of the time frame. Therefore, this is not a repossession. This is a vehicle accident. 

I can not control what Fraudulent Lies XXXX XXXX presumes to fabricate. XXXX XXXX received a payment. End of debt that is originally not a debt. 

XXXX XXXX will give you a loan knowingly knows you will eventually default on the loan. Then lie and ruin your credit with those lies.
Product: Debt collection

I had XXXX on XX/XX/XXXX. USCB has been calling me relentlessly, and I explained to them that I was not going to pay, until my other medical bills had gone through for deductible purposes, and further until I received a detailed accounting of the actual procedures on the actual day of XXXX, as well as all procedures and costs in XXXX. This week I received a letter from UCSB with new and different amounts owed, however, I have still not received a detailed accounting of procedures, costs, and what was actually billed.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is about a collection account reported on my credit reports by XXXX XXXX XXXX, a debt buyer. The original debt was from Synchrony Bank XXXX Paypal Credit. THE DATE OF DELINQUENCY IS INCORRECT. My credit report shows that XX/XX/XXXX is when the debt first became delinquent. The true/real date is at or about XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion has kept reporting the disputed account claiming that the information they present is accurate, with which I greatly disagree. I am submitting this complaint to you today to request that Transunion provide me copies of documents bearing my signature to verify the status of the disputed account. Under Section 614, restrictions on investigative consumer reports [ 15 U.S.C. 1681l ], you only restrict to investigate my personal file if no adverse information in my report ( other than information which is a matter of public record ) may be included in a subsequent consumer report unless such adverse information has been verified in the process of making such subsequent consumer report, or the adverse information was received within the three-month period preceding the date the subsequent report is furnished. Remove the late payments from this account : XXXX  XXXX
Product: Credit card or prepaid card

I received a text on my phone in reference to my free XXXX trial was active and they were going to draft my card for a monthly fee on the XXXX of XXXX. So I reached out to a so called XXXX number at XXXX, and they act as if they were XXXX and they logged into my XXXX account without my consent, and I was able to see my account with all of my debit cards info. Then they needed to do a few things to verify me, so it sounded suspect, and I ask why did all this need to be done to cancel a simple subscriptions, he told me some lame stuff like all this had to be done for the first time to make sure all my info was not used. So he logged into my phone app, and he as which card usually pay for thing with on XXXX, and I told him because my XXXX account was open on my screen. Then he asked for my full debit card number and I did verified that and he kept asking me to logged into my bank account from my phone and told him I will not never do that. Then I start to questions why was this taking so long to complete a simple task and he kept saying it needed to be done one time only. Then he ask me to go to play store and add a pay app for verification and I did, and then afterward I got real suspect, and he told me that there were going to be a transaction on my account that was gon na be debit and credit back. They also asked to up load a picture of front and back of DL as part of verification. Then he said log into your account and I did on my pc, and two entries were taken out. So I told him I did not authorize him to do any transactions on my account and that I was gon na call my bank fraud department, which I did, and cancel the transactions and the debit card. But he kept saying that it would be credit right back, but did not explain why the transactions was needed to verify my XXXX account. So I have reach out to XXXX, and the XXXX company that I did downloaded to my phone for the fraud transaction to let them know these debit entries should have never taken place. I was told that these were needed to verify my debit card with XXXX. I also told them that my bank fraud will be contacting them as well on these unauthorize transaction.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 I sent certified letters to XXXX for two accounts listed on my credit profile. I mentioned that both the accounts werent mine. I also mentioned that the accounts seemed to be fraudulent erroneous and I sent in documents to present to show and the account was removed but following the next couple days the accounts were listed onto my credit profile. I believe that is completely violating my rights as a consumer and that could place this company or companies in jail for consequences of breaking and violating the law. I can show you how the company violated my rights. The account was placed on my account without my acknowledgment, I wasnt contacted by XXXX, XXXX nor any collections company. I stated and sent in certified verifying documents. You have now violated my rights through the FCRA the debt buyer or CRA have failed to comply with its obligations, I am able to sue for violations of the FCRA. I will be filing a lawsuit looking to get actual damages, punitive damages, and attorneys ' fees and costs of {$1000.00} per item. This is not a threat this is malpractice and violating my rights as a consumer through the FCRA and this matter will be taken up in court. I am only an intern dispute allowing less than 3 days for this matter to be completely and permanently removed and resolved. If you attempt to continue reposting these accounts I will be sure to contact law enforcement authorities, contact my attorney generals office, file more than one lawsuit. The two accounts that were listed and dates incorrectly stating that the account was opened in XX/XX/XXXX and in XXXX of XXXX and it was recently removed. I pay close attention to my consumer report and I receive alerts on my credit file and keep up to date to assure fools like you guys arent trying to dismantle my life placing erroneous debt on my credit file to make my life a living XXXX. I will be sure to place this online so that consumers are able to view this via online. I will also be filing a complaint as well. Law Offices Of Mitchell, was changed to MBA LAW. It was placed on my credit by the same collections company and that is a violations. Look at the dates it was removed and how quickly this account was placed back onto my credit profile. Well lets put it this way, this seems like a criminal act upon the credit bureaus and collections company. There was never a document sent to me to verify jack. I kindly ask for any documents bearing my signature a few months ago. Youre also violating my rights within the HIPPA laws as well.
Product: Credit reporting or other personal consumer reports

I appreciate your time to REMOVED some of the items in my file that resulted from an alleged identity theft but I have an ITEMS left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT # XXXX. Ive already included this issues in a previous letter and FTC & I am including it here again with the new attached FTC report. Ive informed my attorney of my intentions & they are excited to hold you accountable in case of your willful noncompliance : Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Balance Owed : {$490.00XXXX XXXX XXXX Balance Owed : {$420.00} NCB ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$17000.00} XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX : XXXX XXXX Balance Owed : {$490.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$420.00} FOCUS XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$500.00} XXXX FIN ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$500.00} XXXX FIN ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$500.00} XXXX FIN ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$500.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$500.00} XXXX FIN ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$500.00} XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX Balance Owed 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 XXXXXXXX XX/XX/XXXX. Please note that you have XXXX business days to REMOVE the reporting of any items in my credit file that resulted from an alleged identity theft. I do not consent to XXXX or any means of automated verification. I acknowledge your immediate attention to this matter and response within XXXX business days.
Product: Credit reporting or other personal consumer reports

I sent notice to COMENITY CAPITAL to OPT OUT of credit reporting as the CFPB published an article that stated, credit reporting is optional. I have a right to privacy and my privacy is my constitutional right as established in Griswold v. Connecticut ( 1965 ). The Supreme Court ruled that the right to privacy is a constitutional right. I informed COMENITY CAPITAL that I want to opt out of the sharing of my personal private account and financial information to third parties XXXX, XXXX, and XXXX. These corporations are not affiliated with COMENITY CAPITAL. Additionally, when I submitted an application for the above mentioned accounts, that application was my security collateral which funded this account. The balance is in a positive amount which indicates a credit that is due to my principals account. Thus, these accounts have been falsely reported as past due. This is defaming my character and causing me and my family tremendous harm. 
( account numbers ending XXXX & XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX. account # XXXX, this account is a charge off account. 

This is a violation of 15 USC 1681 ( e ) ( b ) which states a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

I never received a 1009-C form for the cancellations of debt which is a violation of 15 USC 1681 ( e ) ( b ).
Product: Credit card

On XX/XX/XXXX, and XXXX of XXXX 2 merchants by the names of XXXX XXXX XXXXXXXX used my Capital One DEBIT CARD number and made {$1700.00} worth of unauthorized fraudulent transactions. I filed a dispute with Capital One over the fraudulent charges. Capital One claims they completed their investigation and sided with the fraud. I investigated what both merchants are and they are some kind of cryptocurrency merchants. I have never bought that product in my life. The scammer ( merchants ) got ahold of my Capital One DEBIT CARD info, drivers license info, and my social media. These merchants and Capital One aided a scammer/impersonator that stole money from my capital one checking account to transfer to a foreign, unknown account. 

I can not resolve the dispute with the merchants because I didn't make the transactions. 
MY CAPITAL ONE DEBIT CARD WAS USED FRAUDULENTLY AND I NEVER AUTHORIZED THOSE CHARGES. 

I WANT THIS ESCALATED TO ARBITRATION, AS I WON'T BE HELD RESPONSIBLE FOR THESE CHARGES.