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

XXXX XXXX XXXX and Transunion should not be reporting a collection/chargeoff, or that I am ( XXXX ) days late, on the US DEPT ED partial account numbers XXXX. ( Please see pages attached from my credit report. ) These accounts are reporting a {$0.00} balance and {$0.00} due. I have paid these accounts IN FULL and therefore there is no outstanding balance to report as a collection/charge and/or late. Please keep in mind it would be impossible to be late on an account with a {$0.00} balance. This false reporting is seriously harming my credit score. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report and these line items need to either be removed and/or updated to report correctly.
Product: Credit card or prepaid card

Bank of America opened an Allegiant Mastercard in my name without any authorization or notice on XX/XX/XXXX. I was then charged a {$59.00} annual fee for the card. No card was ever mailed to me or activated. In addition, there are no hard inquiries on my credit for this fraudulently opened card. I submitted a complaint to Bank of America 's fraud department via email on XX/XX/XXXX and no action was taken. I called Bank of America and the account was closed on XX/XX/XXXX.
Product: Money transfer, virtual currency, or money service

I issued a cashiers check on XX/XX/XXXX, and I couldnt find it. I went back to the same branch to stop and redeposit the amount back to my account. The check clearly shows no being present, and money still held within Citibank. 
The branch told me the investigation will takes 90 days and it clearly beyond ridiculous on the time frame.
Product: Credit reporting or other personal consumer reports

I noticed unauthorized inquires no my XXXX credit report, and that someone may have used my information to apply for something according to the fair credit reporting act these items must be deleted! 
Capital One Auto Fin - XXXXXXXX XXXX Capital One Bank USA - XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed my Credit Report and noticed there were items that were added/opened under my name during the time I was on Military Leave. These items do not belong to me, I did not open these accounts or had any prior knowledge of them being open. I have disputed these items with the company and got aXX/XX/XXXX response.
Product: Credit reporting, credit repair services, or other personal consumer reports

ON XXXX XXXX I PULLED MY CREDIT REPORT AND NOTICED UNAUTHORIZED INQUIRIES. I CALLED TRANSUNION SEVERAL TIMES TO HAVE THESE INQUIRIES REMOVED AND THEY REFUSED TO HELP ME. I HAD NO PROBLEM WITH XXXX AND XXXX INVESTIGATING THESE INQUIRIES, CREDITOR : DATE INQUIRIE WAS MADE : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX. XX/XX/XXXX TRANSUNION WOULD NOT HELP CORRECT MY FILE BY DELETING THE UNAUTHORIZED INQUIRIES REPORTING TO MY CREDIT REPORT. THANKS IN ADVANCE
Product: Student loan

I have tried several times over the years for them to make sure that they have my total correct by confirming it with my school. My school said they didnt see my borrowing that much but the bank records dont go back that far. I had mailed the check back to address on it and some I never cashed. I been paying on student loans since XXXX and in XXXX til now paired over {$23000.00} on a loan where I only borrowed {$15000.00}. How can I still owe {$10000.00}? Now they are front loading my payments and the amount is varying from {$95.00}, {$110.00}, to now over {$300.00}. And 90 % is going to interest. This is through XXXX XXXX. Its changed companies to MOHELA. Before both I was paying XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inquiry : XXXX XXXX XXXX  XXXX XX/XX/XXXX Inquiry : XXXX XXXX XXXX : XX/XX/XXXX Inquiry : XXXX XXXX XXXX  : XX/XX/XXXX Inquiry : XXXX/XXXX  ( Bank ) XX/XX/XXXX Inquiry : XXXX XXXX XXXX ( Finance ) XX/XX/XXXX Inquiry : XXXX/XXXX  ( Hotel and travel ) CollecitonsXXXX XXXX XXXX Last reported XX/XX/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 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also state
s a consumer reporting agency can not furnish a account without my written instructions
Product: Credit card or prepaid card

citibank has conintinued to harass me at my work and through letters in mail of a card that was opened under theft identity fraud that i have filed with the police in nys. 
i did not know of this card or charges. they continue to harass me under this assumption that they mailed the card it is my debt to an address, where i was renting the house out to someone that did indeed use my identity and open several accounts and i have given the suspects name to ftc and police and the creditors. they have not supplied any documentation to show i signed for the card or authorized anything as i did not know about this account.
Product: Credit reporting or other personal consumer reports

This letter serves as a formal dispute and legal demand for the immediate correction and deletion of an inaccurate late payment reported on my credit file for my XXXX  account ( # XXXX ) in XX/XX/XXXX. This reporting is false, as I have maintained perfect payment history since opening this account in XX/XX/XXXX. 

I have never been late on any payment, and this erroneous derogatory mark is a violation of multiple federal laws, causing harm to my credit score and financial reputation. I have already contacted XXXX, and they admitted that this was a mistake on their part, not mine. Despite their promise to correct it, the error persists, which means XXXX and your agency are knowingly reporting inaccurate and unverifiable information in violation of federal law. 

Legal Violations Committed : Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681e ( b ) You are required to maintain maximum possible accuracy in reporting consumer information. The continued reporting of this false late payment proves negligence in ensuring accuracy. 
FCRA 15 U.S.C. 1681i ( a ) Once a dispute is filed, you must conduct a reasonable reinvestigation within 30 days. If the information can not be verified with certified documentation, it must be deleted immediately. 
FCRA 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) XXXX  is prohibited from furnishing inaccurate information to credit bureaus. If they knowingly report false information, they are directly violating the FCRA and subject to legal action. 
FCRA 15 U.S.C. 1681s-2 ( b ) If a consumer disputes an item, the furnisher ( XXXX  ) must conduct a full investigation, correct the record, and notify the credit bureaus. Their failure to do so constitutes reckless disregard for federal law. 
FCRA 15 U.S.C. 1681n & 1681o Willful or negligent noncompliance with the FCRA makes XXXX and your agency liable for damages, statutory penalties, attorneys fees, and potential class action lawsuits. 
Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692e ( 8 ) Reporting false credit information is deceptive and unlawful under the FDCPA. Continuing to report a false delinquency after notification is a direct violation of consumer protection laws. 
Metro-2 Compliance Violations The credit reporting industry must adhere to Metro-2 data standards to ensure that reported data is accurate and legally compliant. This erroneous late payment is in direct non-compliance with Metro-2 guidelines and regulatory requirements. 
Immediate Legal Demands : Pursuant to FCRA 15 U.S.C. 1681i, I demand that you : Immediately reinvestigate this inaccurate reporting and provide documentation verifying its accuracy. 
Delete this false late payment entry and provide a corrected credit report. 
Notify me in writing once the correction has been made.
Product: Student loan

I have submitted a XXXX request to manually recertify my income to change my payment amount from {$0.00} XXXX to an actual payment amount XXXX on XX/XX/23 through studentaid.gov with all required documents. Nelnet received it and then made me resubmit all of the same documents. They have now been " processing '' it with no real update. In the meantime, I am unable to get a home loan due to any payment amount not showing up on my account and the long delay in processing times. It's also caused a problem because Nelnet originally showed my loans in forebearance but they just recently updated it to XXXX even though the application hasn't moved along in the process. Also, the wait time to talk to someone has exceeded XXXX hours and I've given up. This is unacceptable.
Product: Credit reporting or other personal consumer reports

Investigations into claims Ive reported is not being done
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX BALANCED {$440.00} XXXX XXXX BALANCED {$0.00}
Product: Debt collection

The account number 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 consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Credit card or prepaid card

On XXXX XX/XX/XXXX I transferred XXXX Points on American Express for an offer at XXXX Points making it XXXX Points to their partner airline XXXX XXXX. Using our rewards account number. 

However, the points were not received by XXXX XXXX. 
I raised a ticket with American Express first on XXXX, then by calling the XXXX Department on XXXX XX/XX/XXXX. 

I received no update from American Express within the 10 days they stated it would take for an them to investigate. 

I called back on XXXX XX/XX/XXXX and American Express stated they had closed the ticket as XXXX XXXX had " confirmed '' that the points were credited. 

However, they had not been and I can provide ( and have offered to provide to American Express ) the screenshot of the XXXX XXXX XXXX XXXX 's account to show this. 

I am dealing with XXXX XXXX under separate cover, however American Express have failed to adequately investigate this and I am their customer and the points are part of their reward program. I have had to forcibly ask them to reopen a new investigation and get evidence from XXXX XXXX. There is a new case number as of today below. 

My Complaint is XXXX fold : ( XXXX XXXX American Express has not exercised a reasonable duty of care or appropriate controls to investigate an issue with interstate transfers of reward points that have gone missing, nor kept me updated in any manner. I have XXXX tracking/scanning and no letter has been sent/received ( address is correct ). 

( XXXX ) There is a gap in the terms of service that should a failure occur between American Express and a Reward XXXX they have selected that is not the customer 's fault that there is recourse or ability for the customer to " be made whole ''. This point lost of XXXX is a return economy ticket from New York to XXXX to see elderly parents. That has deprived me of the ability to use the points that the money I have spent using this card, combined with the annual fee I pay for, should provide and is marketed to customers as a benefit. 

I understand technology issues occur, however in this situation there needs to be improvement for customer protection where error occurs between American Express and their vetted rewards partner to avoid a gap in appropriate controls.
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX Account Number : XXXX Inquiries : XXXX XXXX  XXXX XX/XX/XXXX : XXXX XXXX  XXXX XX/XX/XXXX : XXXX XXXX XX/XX/XXXX : XXXX XXXX XX/XX/XXXX :
Product: Credit card

Im amazing the CFPB for help With an issue with this credit card company Oportun, This is one of the most unprofessional and unreasonable credit card company. They have no type of support and its extremely hard to to get in contact with them. 

On my XXXXXXXX XXXX I had lost my credit card & found 2 unauthorized transactions on my statement which I promptly contacted XXXX about. After 10 tries of phone calls I was able to get on to them. I report the 2 transactions {$340.00} & $ {$530.00} they then said theyll cancel the current card send me a new one & investigate the transactions. Now today is the XXXX, XXXXXXXX XXXX and I havent received one document or even as much an email from this credit card company about this issue. Yet they went ahead and posted back these transactions on my account. Not only did not not investigate these transactions but they have not even reach out to me or even say what happened to the transactions or where it came from. This credit card company needs to be investigated. Several reviews of other customers shown that these things has been going on for years with this credit card company Opoturn
Product: Credit card or prepaid card

I am not a private citizen to what this pertains to and from the beginning of talking to any governmental body I addressed myself as XXXX XXXX. The account that this matter pertains to has its profile on my end displaying what I want displayed as they give you the option to do so. On our initial verbal contact with the company Cashapp they forced me out of my private capacity to go forward with even addressing the issue that in its self its badgering and illegal. 


I was harmed on both XX/XX/XXXX andXXXX XXXX, XXXX in XXXX  because my financial institution Cashapp who operates out of XXXX XXXXXXXX XXXX let funds go from my account even though I did not have enough funds to make the purchase the merchant displayed one price and charged another. It does not appear to have went through any various of incremental price adjustments. Just flat out charged more than what was in my account. Held my funds pending for days. At times when someone I owed came to collect there money I couldnt pay that person and we got into fisticuffs I received bodily injuring blows and at one point I was having an XXXX XXXX paired with a XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and I could not remove myself from the situation because my life was being threatened by my body. These transactions technically completed because the merchant had to cancel them. These transactions were completed not peer to peer and was made with their cash card liability belongs to Cashapp without a doubt. I do not have a borrow allowance for sure and stock round ups accumulated or a lack there of because of these transactions being initiated and technically paid to the merchant. If I didnt faint my heart would have arrested completely to my knowledge. All of this has caused me Extraordinary Emotional Distress as well as pain from what I encountered on the days. My body and mind paid and is paying the overdraft fees of these transactions and the app told the truth of the matter despite everything. It didnt expire it was canceled. It wasnt declined because it wouldve never been there to have been released on another day and would read specifically NOT ENOUGH CASH https : //drive.google.com/drive/folders/10fXkGTstNRQjWtYi7dPN0jxtxl5yeMKE information in this link is, to me, quintessential to understanding where I am coming from. 
I have been told that this is a white collar crime and will need prosecution from The States Attorney. I have received personal injury as a result of this company. The XXXX XXXX and XXXX XXXX are already sending me attorneys who cant represent me on a matter they know requires the States Attorney.
Product: Debt collection

EQUIFAX CONSUMER SERVICES LLC continues to list a fraudulent account ( XXXX  XXXX XXXX account # XXXX ) from XXXX XXXX XXXX XXXX on the credit report of XXXX XXXX ( last four ss # XXXX ) .This matter was settled in a court of law 3 years ago ( judgment attached ). EQUIFAX CONSUMER SERVICES LLC agrees that XXXX, XXXX can pursue legal action against EQUIFAX CONSUMER SERVICES LLC if said account is not removed within 7 days of receipt of this complaint.
Product: Credit reporting or other personal consumer reports

I am writing to request the immediate blocking and deletion of fraudulent accounts and inquiries listed below from my credit report. I am a victim of a data breach, and as a result, my personal information has been used without my consent. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request that these accounts and inquiries be removed from my credit file.

Fraudulent Accounts to Block and Delete XXXX. XXXX XXXX - Account XXXX : XXXX - Date : XX/XX/XXXX - Amount : {$300.00} XXXX. XXXX - Account XXXX : XXXX - Date : XX/XX/XXXX - Amount : {$850.00} XXXX. XXXX - Account XXXX : XXXX - Date : XX/XX/XXXX - Amount : {$7000.00} XXXX. XXXX XXXX - Account Number : XXXX - Date : XX/XX/XXXX - Amount : {$6200.00} XXXX XXXX XXXX - Account Number : XXXX - Date : XX/XX/XXXX - Amount : {$450.00} XXXX. XXXX - Account XXXX : XXXX - Date : XX/XX/XXXX - Amount : {$620.00} XXXX. XXXX XXXX - Account XXXX : XXXX - Date : XX/XX/XXXX - Amount : {$760.00} XXXX. XXXX - Account Number : XXXX - Date : XX/XX/XXXX - Amount : {$430.00} Fraudulent Inquiries to Remove XXXX. XXXX XXXX - Date : XX/XX/XXXX XXXX. XXXX - Date : XX/XX/XXXX XXXX. XXXX XXXX - Date : XX/XX/XXXX XXXX. XXXX XXXX - Date : XX/XX/XXXX XXXX. XXXX XXXX - Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX - Date : XX/XX/XXXX
Product: Credit card or prepaid card

I received a Vanilla Visa Gift Card as a gift, with a balance of {$50.00}. I've already registered the card as a debit card and it is active until XX/XX/2030. In the past month, I've tried to use it at XXXX, and the transaction is always denied, even though the purchase amounts were less than {$50.00}. I've tried to contact the company via the phone number listed on the back of the card, but none of the outgoing prompts are particular to this situation. There is no prompt to speak to a live customer service rep, and there is no email address to contact them. My only way to reach them is to send a letter via the US Postal System, which is very inconvenient and time consuming, and there is no guarantee they will respond to my request for help.
Product: Credit card

I have been dealing with this nightmare for 9 months now.   I purchased  XXXX  mattress sets from   XXXX   XXXX  . They say if you do n't like the mattresses there is a full money back guarantee minus {$150.00} for pick up as long as all is handled within 30 days. I returned  XXXX  set to the tune of {$1600.00} and paid the {$150.00} for pick up.   XXXX   XXXX   had just this  XXXX  bed on it ... the other  XXXX  were paid in full at time of purchase. This was  XXXX   XXXX ,  XXXX . Come  XXXX  of  XXXX  I was in a dispute with    XXXX   XXXX  ,  who kept sending me to  XXXX   XXXX . On  XXXX   XXXX ,  XXXX    XXXX   XXXX      sends me a  XXXX  balance with a letter that copies off to  XXXX   XXXX   XXXX  Stop billing. It is now  XXXX   XXXX ,  XXXX  and   XXXX   wo n't stop billing me ... I have a past due balance of  XXXX  that they want to negotiate with me and keep  XXXX  on fees that I did not incur ... I fax them the full package of information every single month. No response ... just a new bill every month.
Product: Credit card or prepaid card

I am a victim of identity theft. I never looked at my credit report until this week and when I did I found numerous accounts that I didnt know about or open. One of these accounts was Aspire credit card. Ive never heard of this bank or card and I did not know they opened an account in my name. This was done without my knowledge and I never used this card. It looks like this card may have been open for a few months and paid by whoever opened it but I never paid the card or used it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an immediate update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. These are the items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX, XXXX XXXX XXXX, MI XXXX, XXXX XXXX Balance : {$0.00}, XXXX  XXXX XXXX Balance : {$700.00}, XXXX XXXX XXXX : {$1200.00} XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$26000.00}, XXXX XX/XX/XXXX, XXXX XXXX
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX XXXX, I have been a victim of the data breach and identity theft, I've contacted companies several times regarding these accounts and this matter but still haven't been able to resolve this situation.