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

XXXX XXXX, XXXX, & XXXX XXXX XXXX is reporting inaccurate dates, amounts, and showing past due! Some the accounts are open and still showing past due! I have disputed the information with all 3 credit bureaus and they have not investigated correctly and are reporting that the information is correct! XXXX has been paid in full and are still reporting flags on my accounts! This is against my consumer rights per FCRA and is against the law! I am trying to purchase a house and these accounts and their inaccurate information are hurting my credit!
Product: Debt collection

on four separate occasions totaling in 120 days or more, I have requested validation of this account. they have refused to send me any documentation regarding this account. This is in total violation of the FCRA. They have neglected to respond and remove this account for failure to respond my last letter is sent was along the line of ..... 
This letter is formal notice that you have failed to respond in a timely manner to my dispute letter, deposited by registered mail with the U.S. Postal Service on that date. 
Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. XXXX ( C.D.cal.XX/XX/1995), you may be liable for your willful non-compliance. Be aware that I am making a final goodwill attempt to have you clear up this matter. You have 15 days to cure. 

THEY NEVER RESPONDED
Product: Student loan

While I 'm half-way into completing the rest of the student loan payment. I got a call from Diversified Consultants Inc. and I have gotten these calls before. Which every customer is curious is to why these companies ca n't follow the laws and to comply with them.
Product: Credit reporting or other personal consumer reports

I am distressed to inform you that you have included inaccurate information in my credit profile and have failed to maintain reasonable procedures in your operations to ensure maximum possible accuracy in the credit reports you publish. Credit reporting laws require that bureaus report only 100 % accurate credit information. YOU ARE VIOLATING FCRA REGULATIONS AND UNITED STATES FEDERAL LAW.

Please block and remove all erroneous information from my credit report and send me an updated copy. 

Under the Fair Credit Reporting Act ( FCRA ), this disputed item may not appear on my credit report if it can not be supported by any evidence.

15 U.S. Code 1681n - Civil Liability for Willful Noncompliance, 15 U.S. Code 1681o - Civil Liability for Negligent Noncompliance, and 15 U.S. Code 1692k - Civil Liability : I am entitled to monetary compensation due to your multiple violations. Specifically, under FCRA 15 U.S.C. 1681i ( 6 ) ( Notice of Results of Reinvestigation ), a consumer reporting agency must provide written notice to a consumer of the results of a reinvestigation within XXXX business days of completion. Failure to do so constitutes a violation of my rights. 

Additionally, as per FCRA, a " consumer report '' excludes any report solely detailing transactions or interactions between the consumer and the reporting entity. Including late payments or derogatory statuses constitutes an infringement of 15 U.S.C. 1681a ( d ) ( 1 ).

Accounts listed below in green color highlighted and tag as in violation under 15 U.S. Code 1666 ( b ) billing error are inaccurate late payment history, must be updated to paid on time as never been late as agreed.

( 4 ) The creditors failure to properly reflect a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error in the creditors accounting on a statement.

This is a clear violation of the United States Code Law ( TILA, 15 U.S. Code 1666 ( b ) ). These accounts must be updated to reflect " paid on time. '' Any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) And Accounts listed below in yellow color highlight text accounts in status of Charge off that is tag FDCPA Section 807 Violation Misleading False Reporting together with incorrect personal information Must be deleted Immediately!.

Collection Accounts listed below in yelow color highlighted that is tag as in violation Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft Instruction : As a consumer by law this account must be deleted immediately!

Items listed below that is tag as Unauthorize inquiries that's Violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer. Must be deleted in my credit report.
Product: Credit reporting 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. In addition I DID NOT receive the required opt-out notice at the time I created the accounts that Im reporting which is a violation of 15 USC 6802 of the Fair Credit Reporting act. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SYNCB/SAMS XXXX XXXX XXXX XXXX SYNCB/AMAZON XXXX XXXX XXXX XXXX SYNCB/CARECR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section XXXX A. States I have the right to privacy.

15 U.S. C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S. C 1681c. ( a ) ( XXXX ) 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 ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

15 U.S.C 6802 ( a ) Notice Requirements states. Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a non-affiliated third-party any, non-public personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section XXXX of this title.
Product: Money transfer, virtual currency, or money service

I have been using binance. XXXX after being told that us customers needed to make accounts on the US version of binance. A few months ago after trading crypto on binanceXXXX it all of sudden said my account is pending verification. I submitted a ticket and have also send in my documents for verification but it has been 2 months since XXXX and am unable to use my account to trade crypto. My money is stuck in the account and I am unable to withdraw to my bank as well. IThis is outrageous please help with this issue. I have thousands of dollars unable to use and withdraw.
Product: Vehicle loan or lease

Ive sent letters to correct the action. Ive even reached out for the company to provide the original contract and still have not received the original contract.
Product: Debt collection

On XX/XX/20 I realized my paycheck had wage garnishment being withheld on my last 3 paychecks on Friday each week starting on XX/XX/20 til present XX/XX/20 in amount totally almost 500.00. This apparently is from a 4-5 yr old medical debt that I never received a notice of garnishment about. Why garnish a persons pay now during a pandemic for a 4-5 yr old debt when the person is lucky enough to even be working to receive a paycheck and are not having to rely on government assistance yet also to a point you can not even cover your expenses?? If they can locate enough info to contact my employer to garnish my check then they should have been able to contact me regarding this debt as well. I have tried to contact the original debtors, original collection agency, the law firm that apparently filed suit and also my employer to request information regarding this garnishment, the original debt, how much I owe and what kind of exorbitant fees are probably being charged but no one will or has provided that information Ive only gotten the run around. Due to the fact that everything is pretty much shut down and quarantined I have had issues trying to contact anyone to get what information I could on my own from the court system etc. My employer only provided me with the payees names of Hillcrest credit agency and XXXX XXXX XXXX for garnishment to be sent. The original creditor was XXXX XXXX XXXX XXXX.
Product: Credit card

on XX/XX/XXXX we signed up for a promotional chase XXXX  credit card. The promotion is here : XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX This promotion says we can use the card now if we are approved. We were approved and now can not use the card and can not receive the promotion. Chase will not do anything about it and will not reverse the application.
Product: Credit reporting or other personal consumer reports

I have received a total of 3 dispute emails for someone named XXXX XXXX from XXXX. I am not XXXX XXXX, and I have not filed any disputes with Transunion. 

I spoke to Tra sunion representatives last week via phone and chat, and was told to " ignore the email ''. They said the emails are not a scam, and that an agent with Transunion must have entered my email by mistake. I spoke to a supervisor and was told the same thing. After I insisted, she said she would escalate the issue, but I just got another email for XXXX XXXX last night. 

Today, i spoke to the XXXX ( XXXX ) customer service and was told the email was from Transunion and that it was sent in error due to a technical issue. They would not provide any more information on the error or what other information may have been shared. I was assured it would not happen again and to " just ignore the email ''. 

Several hours later, I received another email from XXXX to XXXX XXXX. 

There are several problems here. 

XXXX. A transunion dispute can not be made without an account, so someone has my email on their account. 

XXXX. I am receiving someone else 's credit dispute information. 

XXXX. XXXX XXXX may be getting, or have access to my credit information. 

As I stated in my post, I will be filing a complaint with the CFPB if transunion will not fully explain the reason I am receiving these emails to my address, and also confirm they have fixed the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

On Wednesday XX/XX/2021, I began receiving alerts that a hard inquiry on my consumer report was just made. Upon reviewing my report I saw that the inquiry was made by " XXXX XXXXXXXX XXXX ''. I called the number listed and they explained that they do not pull consumer reports, however they provide the service for their clients to be able to do so and that the inquiry in question on my report was done by " XXXX XXXX XXXXXXXX. 

I immediately contacted the mortgage broker that I had been working work to refinance my mortgage and inquired why, without my knowledge or authorization he had taken it upon himself to pull my consumer report. 

Facts : -The mortgage company already had an copy of my consumer report that I did authorize for the purpose of completing the refinance, there was no reason to pull another. 

-I had already explained to the broker that I did NOT wish to have multiple inquires on my consumer report relating to this refinance as it know multiple inquiries can have a damaging impact on your ability to get funding in the future. 

-I DID NOT authorize a second inquiry on my report from this broker and it was done without my knowledge. 

-When I asked for an explanation from the Broker ; he lied. There was no need to pull my report again as he was aware he had my correct report ; despite if he had mistakenly misspelled my last name. He still got to the correct report. He also had numerous other legal documents as well if he needed to verify the correct spelling of my name ; including my license, tax filing, pay stubs and lastly MY OWN EMAIL. He then began to insult me. 

Please see the attached document.
Product: Credit card

As a resident of XXXX I attended a conference in XXXX XXXX XX/XX/year>. Some agents in front the XXXX XXXX  were giving away free tickets to a XXXX XXXX XXXX XXXX in order to receive the tickets they advised not much but a XXXX tour which turned into XXXX hours with video presentations & was in fact ( XXXX XXXX XXXX XXXX  ) a timeshare company selling vacation travel. 
After presentation ( XXXX XXXX agent ) advised me that opening a new rewards credit card with American Express Hilton honors points card I will receive XXXX points with discounted rates on travel, flights hotel and other expenses. I only agreed to open the credit card to receive rewards. 

Furthermore paid {$190.00}. with my debit card for local 3 day trips only. met with ( XXXX XXXX manager ) I was curious about the cancellation process I asked what is the policy? He stated 14 days from today. When i arrived back to XXXX i review the agreement & see it says within 7 days to cancel, ive tried numerous times to contact anyone 's number or email with attempts to cancel they were also giving me the run around saying I can not cancel. I spoke to one woman who stated I have 3 days before I can cancel she gave me a number to call. I left a voice message and multiple emails about canceling and did not receive a response until days later stating it is too late to cancel they will investigate.

The last email response was you can not cancel it is too late there is nothing we can do for you even while I'm explaining about ( American Express hilton honors ) credit card was processed without my knowledge or consent. For {$4400.00} which is Not at an {$4700.00} I tried reaching out to American Express fraud department numerous times agent ( XXXX & XXXX ext XXXX ) explaining what happened they insisted I go back to XXXX and file a police report which I was not able to do. Where they left me with no assistance whatsoever. now I am stuck in the process of going the court with American Express suing me for an unpaid balance I never authorized with consent or had knowledge about.
Product: Credit card or prepaid card

Two credit cards were fraudulently opened in my name without my request on XX/XX/XXXX and XX/XX/XXXX at the XXXX XXXX XXXX XXXX located at XXXX XXXX XXXX , XXXX XXXX, SC XXXX. One card had a {$2000.00} credit and the other a {$6700.00} credit. The employees at the timeshare presentation took my personal information provided and forged my signature on credit card applications while I was attending a presentation on a timeshare, which I denied. I was neither made aware of any credit card applications or products during this timeshare presentation. All employees involved should be criminally charged.
Product: Mortgage

In XXXX, my uncle, XXXX XXXX XXXX age XXXX, refinanced his home at the encouragement of a mortgage broker with XXXX XXXX XXXX. He died in XXXX and his widow, my aunt, XXXX XXXX, was left with the XXXX XXXX dollar mortgage. She put the house on the market and was unable to sell the house at that time because the house was valued less than the mortgage. In fact, the house was worth less than the mortgage in XXXXThe house could never have guaranteed this mortgage. My aunt continued to live alone in the house, living a life of extreme frugality and unhappiness because she was unable to sell the house anywhere near the mortgage payoff amount. Foreclosure was not an option in her mind. There were no other options available to her at that time. She paid the {$10000.00} mortgage payment monthly like a prisoner on death row until her death in XXXX of XXXX. At that time, I was advised that I was named sole heir of the property via will and trust documentation. I have been living in the house and maintaining it since I came to care for her in XXXX of XXXX when she was terminally ill. The despair she experienced from this situation affected her quality of life and contributed to her demise unquestionably. Most recently I have received a notice to vacate the property. I had been waiting for this bank to file a claim against my aunt 's estate because I was going to deny the claim. This was a predatory, fraudulent mortgage. The bank was guilty of unjust enrichment. My aunt and uncle were exemplary people and my aunt did not deserve to spend the last years of her life in anxiety and fear. All of her retirement money went to pay this fraudulent mortgage. She had about one year of money left if she did not die. I estimate that at least {$600000.00} was paid to the bank over the course of 6 years and the balance on the mortgage was still XXXX XXXX. Now XXXX XXXX with fees etc. The last time the house was appraised in XXXX for about {$500000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items 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 items 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 are the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXXXXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX SC XXXX Balance : {$340.00} XXXX XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXXL XXXX Balance : {$0.00}
Product: Checking or savings account

In XXXX or XXXX I received emails showing someone had made XXXX and XXXX dollar payment. Updated my contact information, email and etc and requested a new credit card. The XXXX dollar payment went through and I called in that morning and told them it was fraud. XXXX said they knew and locked my account but they could not " unlock it '' or provide any details until i sent them my ID social secuity card and proof of residency. In the meantime, I called truist as well and asked them to look into the payment because it was unauthorized. I was told I owed XXXX and XXXX etc. I started making payments via certified funds to XXXX because I did not trust them with account information. Truist said I had to work with Merchant. I sent in that the information to XXXX  XXXX in XXXX. Thay said they put in a case to return the money. I called in XX/XX/XXXX and was told that they would put in a case because she didn't see one.I waited on hold and then she said came back and said she can't put in a case and I can't have the money returned because I owed them my full balance. I have not received anything saying I owed them the full balance. She said that I owed them the full XXXX balance and they deactivated my credit card. I said I havent been getting statements or anything from them and she began to repeat. They can not return the unauthorized payment because it was from my account and I owe them the full balance and they will no send a card out until I pay the full balance. At this point I believe XXXX went into my account as it was saved in there system and pulled the money out. They ( Truist and XXXX XXXX ) will not send my any documents in writing about the payment and why they wont return it. I've asked and they said I would have to sue them for the documents ( Truist Fraud Supervisor ).
Product: Credit reporting or other personal consumer reports

I am writing to formally request that TransUnion block and remove fraudulent information appearing on my consumer credit report that is the result of identity theft and fraud. Pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), I ask that TransUnion block these items within 4 business days of receiving this dispute.

An FTC Identity Theft Affidavit has been filed to report 2 fraudulent accounts on my TransUnion credit report, which I do not recognize as reported and which are the result of identity theft and fraud. The fraudulent items consist of the following : XXXX XXXX credit card account : Opened on XX/XX/year>, account number ending in XXXXXXXX XXXX XXXX XXXX credit card account : Opened on XX/XX/year>, account number ending in XXXX Hard Inquiry from XXXX XXXX XXXX These fraudulent accounts have led to fraudulent late payments reported on my consumer credit report. I do not recognize the aforementioned accounts, collections, late payments, or charge-offs as reported, as these items were not initiated by me. Therefore, I demand that all collection activities related to these fraudulent items cease, in accordance with my rights under the FCRA and FDCPA laws. 

To support this request, I have attached a copy of my FTC Identity Theft Affidavit, ( Criminal Complaint # XXXX ), as evidence that all accounts, collections, and hard inquiries are a direct result of identity theft and fraud. Under FCRA 605B, I request that TransUnion block these fraudulent accounts, collections, and charge-offs from my consumer credit report within 4 business days of receipt. 

Please confirm in writing that these items have been blocked, and send confirmation to me via email at XXXX.
Product: Credit reporting

I have contacted Transunion numerous times concerning the omission of my credit card issued by XXXX XXXX XXXX not being reported. Transunion has not done anything to resolve this issue besides stonewall me and my credit card issuing company. XXXX and XXXX both report this credit card on my credit report and has done so for the last 25 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried number times to contact this company to remove incorrect information from my credit report. I have attempted to contact them from this website, by mail and by phone. This company has refused to take down this false information on my credit report, they even went as far as to tell me they are getting this information from other companies. 
When I asked this company who are they contacting to receive information about me they refused to tell me. They are collecting personal information on me from unknown sources and attaching it to my personal credit file without my consent.
Product: Debt collection

I received a letter in the mail saying that I owe a balance to LVNV Funding, LLC and that my original creditor was XXXX XXXX XXXX, NA. There are no details in the letter except that they are suing me for wage garnishment for {$1500.00}. I don't remember having this high of debt owed. I was paying for protection on my credit cards and back in XX/XX/2015 I lost my job and was financial unable to pay anything for almost a year. I would like to find out how to verify this debt.