23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I opened a credit karma savings account. Somehow my information got compromised. Credit Karma froze the account. I have tried several ways to get in contact with this people. Every time i call or chat. They tell me the investigation team will contact me. Has passed several months and no one has reach out to me to close this small account. All i want is for this people to close the account and mail me to the address on file a check.
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX never gave XXXX, EXPERIAN, or XXXX, any written consent to report anything on my consumer report. I sent a dispute letter to the agency over 2 months ago regarding account XXXX and they have failed to verify this account. The collection agency that is claiming that I owe an alleged debt to their agency is reporting a different balance from what I had with the original creditor XXXX XXXXXXXX XXXX. I have attached my last statement from XXXXXXXX XXXX XXXX to show the discrepancy. I will also attach my XXXX data breach claim id. I am requesting that the following unverified account is removed from my credit report within 10 days : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX. ) XXXX
Product: Debt collection

In XXXX of XXXX, called XXXX and cancelled my ex-wife 's cell phone and ported the number to XXXX. Sometime later, I received calls saying that I owed money on the account. From what I remember, XXXX did not disconnect a data account that was supposed to have already been disconnected. When asked about this, I told the rep what happened and they researched the issue and told me that nothing else needed to be done. 

Today ( XX/XX/XXXX ), I received a call from Amsher Collection Agency who told me that I owed a bill with XXXX. I sent them a dispute today and also told them what happened. Since this is the second time I'm handling this, I want confirmation that this has been resolved. I also want {$1000.00} as a statutory violation and if this isn't done, I plan to sue Amsher for the {$1000.00} violation. There is also a violation of the statute of limitations. Amsher claims they recieved this debt on XX/XX/XXXX, however, this is a matter that dates back XXXX XXXX, so I have no documentation regarding this account.
Product: Credit card or prepaid card

I was billed XXXX at XXXX per for car washes that i did not authorize. I did in fact use this card for single XXXX car wash. I have never enlisted in the promotion offered by XXXX XXXX XXXX XXXX. I have never signed nor verbally authorized this contract by XXXX XXXX. Chase manhattan maintains that by my using this card for the single car wash that allows them to assess a charge against my card monthly. I call that theft. I am a snowbird to XXXX in the winter four to five months. I have been charged XXXX dollars per month when i wasnt even in the state of XXXX. I was in XXXX. How can this be right? Because a merchant has my credit card information they can bill me for anything they choose?
Product: Credit reporting or other personal consumer reports

I was recently turned down for credit when I applied for a credit card and I was highly perplexed. I took it upon myself to pull my credit report and was very confused about some of the items appearing on it. Please see the personal information listed at the top of this letter and remove all information that does not match it. 
According to the Fair Credit Reporting Act, I request that you start investigation these items and make corrections accordingly. I look forward to hearing from you I would like you to conduct an investigation for me to make certain that everything is accurate. 
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
Product: Debt collection

XXXX XXXX keeps calling me repeatedly from phone number XXXX I mean back to back calls, I will be more than happy to provide my cell phone records and she will leave one message but then keep calling and wont leave another message. TODAY XXXX/XXXX/2015 was it for me she called me from her cell phone repeatedly which is phone number XXXX and I do not appreciate that one bit. She is very rude and very hateful.
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.

Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 

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 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: Money transfer, virtual currency, or money service

I was approached at the XXXX XXXX XXXX on XX/XX/24, at XXXX ( according to the email notifying me of the withdrawal of funds ) by two XXXX XXXX males, asking for financial donations to aid charity work for the less fortunate in association with the " XXXX XXXX XXXX street performers and music group. They denied cash citing covid fears, and asked If we had a contactless payment option. I used my zelle integrated feature in the XXXX XXXX mobile app to send a XXXX dollar donation. Upon checking back at my confirmation emails to make sure all was well I was informed of a withdrawal totaling {$1900.00}. I do not have {$1900.00} dollars to be donating, and this was absolutely NOT the intended amount of money to go through. I contacted zelle, which turned me away since per 'privacy policy ' they don't have access to any banking details to be able to help me.
Product: Vehicle loan or lease

On XX/XX/year> I reached out to disputed the amount they said they were owed. I sent them the copy of the cashed check and proof the loan was paid in full after repossession. I have reached out 7 times since then and they still have not removed it from my credit report. I paid them {$6200.00} and now they are saying I owe {$7000.00} and are accruing interest on the account still,
Product: Credit reporting, credit repair services, or other personal consumer reports

Sending several times of multiple letters, unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX, Equifax and XXXX Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these negative accounts remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the accounts that are still showing on my report. 
XXXX XXXX {$71.00} XXXX XXXX XXXX {$890.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX {$480.00} Date Opened : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The below inquires do not belong to me and I did n't ask for credit, I want these removed from my credit report. 





XXXX Inquiry from XXXX XXXX, XXXX + XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX XXXX Wr XXXX XXXX Inquiry from XXXX XXXX, XXXX Finance XXXX XXXX Inquiry from XXXX XXXX, XXXX + XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX + Finance XXXX Inquiry from XXXX XXXX, XXXX + Finance XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX XXXX  XXXX Inquiry from XXXX XXXX, XXXX + XXXX. 




XXXX Inquiry from XXXX XXXX, XXXX Bank XXXX XXXX from XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX + XXXX XXXX XXXX  Inquiry from XXXX XXXX, XXXX + Bank XXXX Inquiry from XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports provided by TransUnion. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681XXXX within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXXN Date of inquiry XX/XX/XXXX XXXX XXXXI Date of inquiry XX/XX/XXXX AL XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX AXXXX XXXXT Date of inquiry XX/XX/XXXX TXXXX  Date of inquiry XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I recieved and email from experian stating I didnt send them the idtheft report or the police case number which I did they still havent corrected anything inquiries are still on report they arent doing anything, when I went to XXXX I cant even get my report
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX XXXX XXXX which falls under XXXX  according to XXXX XXXX XXXX  1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXX XXXX  and would like for all listed account to be blocked and deleted company information from TransUnion. 

Please delete the following accounts 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 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 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 XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a dispute regarding the incorrect items on my credit report. 

1. The following late/missed payments are incorrecXXXX XXXXXXXX Account Number : **** XXXX 4 missed/late ( XXXX, XXXX ) XXXX 4 missed/late ( XXXX, XXXX ) XXXX XXXX missed/late ( XXXX, XXXX ) Please remove them from my credit report. 


15 U.S. Code 1681a - Definitions ; rules of construction ( a ) Definitions and rules of construction set forth in this section are applicable for the purposes of this subchapter. 
( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. 
( c ) The term consumer means an individual. 
( d ) CONSUMER REPORT. 
( 1 ) IN GENERAL.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title. 
( 2 ) EXCLUSIONS.Except as provided in paragraph ( XXXX ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;
Product: Debt collection

I received notice my credit score dropped by XXXX XXXX After logging in found I had a new collection reporting as of today XX/XX/24 for {$2000.00}. I was never contacted by the original debtor or the collection company at all in regards to this debt. I'm actually an employee with the original debtor for over 6 years and have free services. So, not only was I never contacted to dispute this debt, I've NEVER had any balance as all my services are FREE!!. I started a dispute with the 3 major CRAs as of today XX/XX/24. I just felt like this was wrong and after some research found more info about my rights and that is why I'm now filing this complaint with the CFPB.
Product: Credit reporting or other personal consumer reports

NAME : XXXX XXXX ADDRESS : XXXX XXXX XXXX DATE : XXXX SOCIAL SECURITY # XXXX DATE OF BITRH : XXXX In accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX 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 a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting or other personal consumer reports

Experience has failed to fulfill Its legal obligation under the fair credit reporting act to conduct a reinvestigation of disputed information on my credit report, leaving inaccurate information or unverified accounts unresolved. The consumer financial protection bureau has recently filed a lawsuit against Experian, alleging, systemic issues, such as forwarding consumer provided evidence to furnishers, accepting unreliable responses and failing too adequately notify consumers of dispute outcomes. These failures align with my experience Hwier Experian has neither corrected nor removed or amend the disputed accounts, as Experian that in action violate the federal law and my right as a consumer.
Product: Debt collection

Name is not legal name never had a middle initial. Ss card and birth certificate prove it. Never had a XXXX XXXX listed. Reported fraud 2 times.
Product: Payday loan, title loan, or personal loan

The company XXXX XXXX  XXXX in XXXX did not gave me the full info about a loan. 
I purchased 4 mattress from this store with a {$40.00} down payment and 90 days same as cash, but he did not explain that I will be charge twice a month {$270.00} basically 10 % every 15 days until I paid the full amount in 90 days. 
When I received the mattress the next 3 days I let him know that the quality of 2 of them were really cheap and I wasn't happy with my purchase, he said that he went to vacation but he will resolve the matter as soon as he arrives, days pass by and now he said that he can only exchange them for the same mattress if there is something wrong with it, the store did not have any refund policy but the mattress itself has a 30 days warranty but only for the same on if there is anything wrong. 
Time to make a payment, received a text that my account is past due, surprised by the twice a month charge that was not explain to me at the store, made a payment online on XX/XX/XXXX for {$300.00} expecting to be enough and call the loan company Koalafi to made sure they received the payment and explain my situation because the loan of 90 days was not an option anymore and from {$2700.00} was now {$4200.00}, they gave a one time courtesy for missing a payment and advice to not miss anymore and my next payment is on XX/XX/XXXX my account when back to the 90 days loan. 
XX/XX/XXXX surprise received another text by the loan company that my loan is behind, I called them and ask for a supervisor and explained that happen before, now she said that I made a partial payment and she could not do anything because i already have the one time courtesy. I asked why on the XXXX when they review my account did not told me that I was missing another {$170.00} to put my account current and my account was again not eligible for the 90 days loan and jump again to XXXX 
as a consumer if we dod not have all he info how can we made the right decision. 
The supervisor did not gave me any solution and stick to the not eligible loan and the {$4200.00} ....
Product: Credit reporting or other personal consumer reports

I contacted XXXX and requested a Formal Request for Removal of Inaccurate Account Information. The Information is follows : Creditor Name : XXXX XXXX XXXX Account Number : XXXX Date Listed on Report : XX/XX/XXXX, As allowed under FCRA 1681g, I requested a copy of the signed credit agreement that I authorized with this creditor. This documentation is essential to confirm the accounts authenticity. Section 1681s-2 mandates that furnishers of information ( creditors ) provide only complete and accurate data. I request that you verify with the data furnisher that each detail complies with these legal requirements. If the furnisher fails to provide full verification for the full-length term of this account starting on XX/XX/XXXX to XX/XX/XXXX, including proof of my legal and lawful signature and if the account was written off or paid, please also provide a copy of XXXX XXXX XXXX XXXX XXXX XXXX XXXX 1099 form for tax reporting purposes please remove this entry from my credit report in adherence to the FCRAs accuracy standards.

Nothing requested was received by XXXX however XXXX has continued to incorrectly report this account causing me issues with obtaining credit and housing. 

This account has several inaccuracies and I have requested more than 5. times for them to be fixed yet XXXX has continuously reported than in error, severely damaging my credit. Section 623 of the FCRA and Regulation V generally provide that a furnisher must not furnish inaccurate consumer information to a CRA, and that furnishers must investigate a consumer 's dispute that the furnished information is inaccurate or incomplete. 

XXXX failed to provide accurate info of over 4 months, including the account listed as " Paid Off '' yet they are reporting it as a collection account. If the account was paid off, that would be a charge off, and if it was charged off, WHY haven't I received a 1099 for my tax reporting purposes?
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : Collection 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Went to Lowes on XX/XX/23 and made a purchase for under {$20.00} with my debit card. 
I did not apply for a credit card there and would not because I usually shop at XXXX XXXX. I did not give permission for them to submit a hard credit inquiry and want it removed from my credit history. When trying to call them to resolve the issue I cant even speak to anyone because I dont have an account number to reference to the automated system.
Product: Debt collection

we ordered XXXX. in XXXX of XXXX our roomate signed this little XXXX box without my authorization. ( were told anybody over XXXX could sign ) this was a XXXX XXXX credit card. i canceled the order within three days. and returned their equipment. i notified XXXX of the situation and they did an investagation and gave us our money back. XXXX is still trying to charge us ov er XXXX for an illigal usage of the card and i reported the fact that we didnt wish to use their services. i want this to be taken off our credit report and they needto stop sendfing me bills.XXXX agreed with me.
Product: Credit card or prepaid card

On XXXX/2017 I made a payment to ATT Universal Card for {$750.00}. There site reflects that this payment was made, decreased my credit limit and this payment has already cleared my bank which is XXXX XXXX on XXXX/17. However ATT Universal Card has yet to credit my payment and stated that they put an arbitrary hold on my payment because I have " not made a payment that large before '' which is not true as I have had this card almost 20 years and have made payments that large before. When I called to speak to a supervisor I spoke with 2 account managers both of which refused to receive any documentation of my proof of payment and also requested that even though I made the payment, even though it cleared my account that I still had to call them back in 4 hours so that they can " verify '' with my bank that they payment was made. I informed them they I would be more than happy to send them a copy of the cleared transaction from my bank and they refused to accept this information. I offered to provide them with the confirmation numbers for the transaction and they refused to accept that also. I consider taking a payment that has cleared a customer 's bank but then refusing to release that payment to the customer and refusing to accept documentation of that payment and forcing the customer to " call back '' in order to credit for a payment that was already made is robbery. Neither account supervisor was helpful and matter of fact both had the tone that it was my fault that the payment was held when they do NOT inform you at the time of payment that they will place a hold on any payments especially those that have already been drafted from my bank. I have had MULTIPLE issues with the credit card company holding charges and not releasing charges for over 14 days. The public needs to be aware of their predatory and in my opinion CRIMINAL tactics.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute three inquiries listed on my credit report that I believe are not mine. Upon reviewing my recent credit report from XXXX and Transunion, I noticed the inquiries that I did not authorize
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> XXXX XXXX XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to male a formal complaint on Receivables Management Systems. Receivable Managment Systems was the holder od a debt that i had with XXXX XXXX ( account number XXXX ). I spoke with them in XX/XX/2020, they explained that once the debt was paid in full, they would delete from my credit report. I paid this debt in XX/XX/2020. It remains on my credit report. I sent them a formal letter, requesting deletion on XX/XX/2020. I followed up with a phone call and was told that they will not be deleting this item, due to it not being paid off within 6 months of them receiving the debt. This is not the information that was initially told to me. I was told it would be deleted once paid in full.