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

On XX/XX/XXXX I decided to obtain my free credit reports from the credit reporting agencies. I would be entitled to a free credit report at Transunion, having not previously obtained one in more than a year. 
I went to the Transunion website and clicked on " get my credit report '' and went through identification process. 
It asked various identification questions, and then asked for a credit or debit card number and whether billing address was same as my address. 
I assumed that it was part of identify verification process for access to a credit report. 
After supplying that information, I was given access to a credit report. 
Today, to a great shock, I discovered that I was charged {$24.00} by Transunion for my -- supposedly free- credit report. 
I was NEVER at ANY point told that I would be charged ANYTHING, let alone that I am signing up for any kind of service. 
I never received any email confirmations, either. 
Some online research and poking around Transunion website, showed that they somehow fraudulently signed me up for some of their paid services, of the existense of which I was not aware and to which I NEVER consciously signed up. NEVER was I told I'd be charged ANYTHING, the interface fully is made as if you are just going through identification process. 
I went to the website and used " cancellation '' option for the service, even though I never received confirmation of such cancellation. 
I then decided to try and call the company to explain that it was a misunderstanding and get my money back, since I absolutely never intended to purchase any service from them. They basically just stole {$24.00} from me, using information I gave them for what i thought was a different purpose. 
They give a number ( XXXX ) XXXX as a customer service number on their website, there is no other way to contact them. 
I called that number about 8 times on XX/XX/XXXX in the afternoon, it rings twice and then disconnects. 
There is no postal address. 
This is basically a swindle, fraud and theft. I am reporting it as a fraudulent charge with the bank, but I would like for your help to get my money back, and to stop this unlawful practice.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX Email : XXXX Phone : XXXX Date : XX/XX/XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Subject : Formal Complaint Failure to Provide My Credit Report To Whom It May Concern, I am writing to formally request access to my credit report, which Equifax has failed to provide despite my repeated attempts. As per the Fair Credit Reporting Act ( FCRA ) [ 15 U.S.C. 1681g ], I am entitled to one free credit report annually and to access my report upon request.

On multiple occasions, I have tried to obtain my Equifax credit report via your online portal, but I have been met with technical errors and a message instructing me to contact customer care. I also attempted to resolve this issue by calling your customer service number, yet no resolution has been provided. 

This failure to provide my credit report violates my rights under the FCRA. Furthermore, Equifax 's lack of responsiveness and transparency undermines my ability to monitor and dispute any inaccuracies on my credit report, which could harm my creditworthiness. 

I am requesting immediate action to resolve this issue. Specifically : XXXX. Provide me with an updated copy of my Equifax credit report immediately.

2. Confirm in writing the reasons for the technical error that has prevented me from accessing my report. If I do not receive a satisfactory response within 15 days, I will file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and m
ay pursue further legal remedies. 

Please find my details below for verification purposes : Full Name : XXXX XXXX XXXX XXXX. 

Address : XXXX XXXX XXXX XXXX, XXXX, CA XXXX Date of Birth : XX/XX/XXXX XXXX : XXXX You can contact me at XXXX or via email at XXXX if additional information is needed. 

I expect your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX.
Product: Debt collection

I sent 609 letters asking them to provide proof that the debt is mine and they couldnt I need real proof like signatures and ID cards
Product: Money transfer, virtual currency, or money service

Transaction was made on XX/XX/2018 using XXXX pay as a service provided by my bank, Citibank, for goods that were later not received. {$250.00} was sent to an individual using this service to an email account. An request for transfer cancellation was filed on XX/XX/2018 with my bank. They stated that they would contact the bank to which the funds were sent and put a hold or refund on this. Today I received a letter from them saying to contact the recipient to resolve the matter. That is not the service theyd claimed they would provide. This is extremely frustrating as there is no notice that this service does not provide any form of fraud protection. They have stated at this point there is nothing they can do. Ive asked for the details of their investigation, but again they said there is nothing to investigate as I had transferred funds in accordance with your instructions. I am shocked they offer this service to their clients without complete clarity.
Product: Checking or savings account

Someone opened a checking account with Citi under my social security around XX/XX/XXXX. I spoke to Citi and they said they would close and flag the account and investigate the fraud. On XX/XX/XXXX I received a letter saying that {$45000.00} was transfer out of my account. I have not activated this account nor have I put money in it.
Product: Checking or savings account

I have been charged 50 overdraft charges on one of my accounts and 53 on the other illegally. Neither account is allowed to overdraft and it 's being done without notification of any kind. Example. I open my phone app. Let 's say it says, Posted balance :. {$1000.00}. Pending charges :. {$950.00}. Available balance :. {$44.00}. So I take out {$40.00}. Something else goes through and I get hit with an overdraft charge. I meerly took what the app said was available yet they hit me with a {$35.00} overdraft charge. They have refunded a couple that I 've noticed at the time but I sat with my banker the other day and he pointed all this out to me. Total that 's over {$3600.00}. this is just in the last 12 months and my banker told me his system wo n't go back further. This is unacceptable. I tried contacting the corporate offices. I had an argument with the unprofessional person that spoke to me and the result was they closed one of my accounts stating " they no longer wished to do business with me '' yet left my other account and credit card in tact. I am outraged at this situation and want my money back. I 'm XXXX years old and battling XXXX. I do n't need this aggravation or stress. I ask please someone help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

-Currently reporting inaccurate information on my credit report. 
-Currently reporting the same account under two different account numbers. 
-Both accounts are missing important information, account was paid in full for less amount -I have been denied a Mortgage due to the impact of the two inaccuracies -XX/XX/XXXX dispute was faxed and I have called to get updates. I haven't been able to get any useful information other than being told we have 30 days look for a response around XXXX XXXX. 
- Account was paid XX/XX/XXXX XXXX
Product: Debt collection

This debt was owned by a previous debt collection company known as CONVERGENT OUTSOURCING XXXX XXXX XXXX XXXX XXXX, WA XXXX I was sent a letter claiming a debt of a different amount from the following company was owed by the same original debtor with the same account number. I requested further documentation such as a full account summary and the original contract with signature not only did they not respond within 30 days. But when I finally received communication they had sold my information WITHOUT my consent and were were not able to produce any valid documentation as well as stated this collection account is and never was in there system. This debt was then disputed. XXXX Report Number XXXX Date : XX/XX/22 My information was then sold to And purchased by XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX. 

XXXX XXXX XXXX is in violation of 15 U.S.C 1692g, 15 U.S.C 1692e misrepresenting the amount owed, possessing my sensitive information without my consent, and have not been able to produce a license number to confirm they are legally able to collect such debt. 

Upon sending them a letter to validate the debt by requesting the original contract with my signature and the full account history they were not able to provide this.
Product: Credit card or prepaid card

I paid off Upgrade my credit card, received email receipt. They did not draw the money out of my checking account and now charging more interest and a late fee claiming its delinquent. 
I've tried to speak with them, representative XXXX states they have a 45 day billing cycle, no they don't according to another rep. I have the emails for both this account and a personal loan also paid in full that they did not pull from my account. The " paid in full '' that was showing is gone and now says delinquent.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX Social Security Number : ( Private SSN ), Consumer Date of Birth : ( Private DOB ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of 1. XXXX {$7500.00} XXXX. XXXX XXXX {$24000.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom this may concern, I recently pulled my reports and noticed you are reporting ( XXXX XXXX ) inaccurately and violating the FCRA laws by furnishing inaccurate information on my account as I am entitled to accounts on my report being accurate and verified. XXXX has DELETED these accounts because they were unable to properly verify it. Im confused as to why you are still reporting these accounts and you have access to the same information that XXXX does? Because this account is being reported by your company and XXXX are different, this means the account has not been properly verified by you. Please DELETE this account immediately, as this is damaging to my credit file.
Product: Mortgage

XXXX refuse to endorse insurance claim check for me to get my roof fixed
Product: Mortgage

We got behind on our mortgage, due to refinancing and taking equity out as we was part of the housing crash back in XX/XX/XXXX-XX/XX/XXXX. as we proceeded to get some help. Select Portfolio came along and told us they can help with saving our home and that they work for the government.We asked them how much it was going to cost us, they said nothing they can lower our cost. We went through the NCNA program to obtain this lender. As we begin to try and pay down our mortgage we notice that, their was another mortgage attach on our current but when we look at the current mortgage it does not show t second mortgage which is a balloon payment. They have pretty much placed us in a worst situation than we were. They did not forgive they loan at all when we started over. I do not think that is how the government would have handled it if they so-called work with the government. We have try all resources that we know of to get out of the situation. Don't know what else to do.These companies hid behind third parties and we do not know who own the loan considering we make payment to Select Portfolio and we find out we are STILL with XXXX XXXX XXXX who gave us out first refinance and they mess us over w are still shock we're with XXXX XXXX XXXX again. Then we come to find out XXXX XXXX own XXXX XXXX and we were not trying to get involve with neither one of these financial institute. It's just wrong and such a mess before our mess. Now that we get more into the contract. It looks like when we refinanced to take equity out with XXXX XXXX and we got behind in out mortgage. XXXX XXXX cam at use again but hiding behind the name of Select Portfolio Servicing. We were thinking we had done stop doing business with XXXX XXXX but we are still with them. We did not know what Select Portfolio is, so we though we was no longer with XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In a accordance with the fair credit reporting act convergent account # listed below has violated my rights 15 U.S.A 1681 section 602 A states I have the right privacy.

15 U.S.A 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1692 section 805 A section 3 states as the consumers place of employment if the dept collection knows or has reason to know that the consumers employer prohibited the consumer from receiving such communication 15 U.S.C 1692 section 805 A states dept collector may not communicate with a consumer in connection with the collection in any dept at any unusual time or place known to be inconvenient to the consumer 15 U.S.C 1692 section 806 section 5 causing a telephone to ring or engage any person in telephone conversation repeatedly or continually with intent to annoy, abuse or harass any person at the called number 15 U.S.C 166b A creditor may not treat a payment on a credit card account under and open end consumer credit line as late for any reason This is what I have so far that Im 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 or other personal consumer reports

I have attempted on multiple occasions to file a dispute against the creditor XXXX XXXX. This credit is violating my rights according to the Federal Credit Reporting Act because it is reporting inaccurate information as well as inconsistent information across the three major bureaus ( Equifax-6 missed payments, XXXX14 missed payments, & XXXX-14 missed payments ). Equifax is denying my ability to dispute these inaccuracies stating a dispute is already in progress. However their records show otherwise. XXXX is also not allowing me to dispute these inaccuracies & inconsistencies. They also continue to deny me an updated copy of my credit report. 
I am also having an issue with XXXX XXXX. On my XXXX report, this creditor is reporting this account as a charge-off, yet is also reporting the account as open, with one missed payment which is completely inaccurate and inconsistent. An account can not be both charged off and opened at the same time. This same account was removed from my Equifax account because of their inability to validate the debt. Yet this account is reporting on XXXX as a charge-off and closed. 
I am entitled to a complete and accurate credit report. These credit reporting agencies are refusing to do their due diligence and properly investigate my disputes when it is clear these accounts are reporting inaccurately. They are all violating my consumer rights! This is damaging to my reputation and is hurting my chances of buying a home. This account needs to be removed immediately.
Product: Debt collection

I am filing a complaint against CREDIT CONTROL , LLC XXXX CREDIT CONTROL & XXXX  ACOUNT # XXXX ORIGINAL CREDITOR : XXXX. I wrote to them on XX/XX/XXXX for validation they received the letter on XX/XX/XXXX. They responded back on XX/XX/XXXX past the 30 days. They are non compliance of Federal, State, FCRA and FDCPA violation status on fraudulent extortion. Please have them send me something bearing my signature. I hereby reserve my right to take private civil action against you to recover damages. Here are violations that I will be filing : 1 ) They have " Re-Age '', your account by reporting the date of last activity instead of the date of last delinquency. Protection under the FDCPA Section 807 ( 8 ) fine. 2 ) They have report my credit history inaccurately. Defamation, financial injury. U.S.Court of Appeals, Ninth Circuit, No.00-15946, Nelson vs. Chase Manhattan. Extent of damages incurred by the wronged partly as deemed by the courts. 3 ) Liability : Bryant v. TRW - the Defendant consumer reporting agency unsuccessfully argued that, under 607 ( b ) of the FCRA ,15 U.S.C. 1681 et seq., it was not liable as a matter of law, for the reports it issued in good faith, and as a result of inaccurate information provided to it by Plaintiff 's creditors. the court held that the Defendants was not free from liability when the credit reports at issue was not accurate. Once inaccuracy was determined, defendant 's agency procedures were not determined to be not reasonable to ensure maximum possible accuracy, pursuant. the consumer was rewarded $ XXXX. 4 ) I am also including in the civil suit CRA 's who you pay to keep these items on my credit both you guys refusal to correct information after I ask in the letter that I wrote them and you the accuracy. This defamation, willful injury. FCRA Section 623 CUSHMAN, v TRANS UNION CORPORATION US Court of Appeals for the Third Circuit Court Case 115 F.3d 220. Extent damages incurred by the wrong party, as deemed by the courts. Please provide the name and address of the bonding agent for ( Name Of Debt Collector ), in case legal action becomes necessary : I hereby demand that you immediately delete the item from my credit report in order to avoid legal action. I have maintaining a careful record of my communication with you for purpose of filing legal matter
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the first time I have encountered identity theft. I have no idea who could have done this to me. As I pulled my report, I saw an outrageous amount under my name that are not mine. Please delete these items from my report. 

XXXX XXXXXXXX {$660.00} XXXX XXXX XXXX {$200.00} XXXX  XXXX {$2800.00} XXXX XXXX XXXX XXXX {$200.00} XXXX XXXX XXXX {$230.00} XXXX XXXX XXXX XXXX XXXX {$180.00} XXXX XXXX {$43.00} XXXX XXXX {$310.00} XXXX XXXX {$2400.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

on XXXX Equifax sent me the status of my dispute for 4 hard inquiries ( XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX  XXXX, and XXXX XXXX XXXX. ) NOTHING WAS REMOVED EVER AND I have done MULTIPLE DISPUTES SINCE! JUST FOR NO TYPE OF INVESTIGATION TO BE MADE AND THEM TO SAY VERIFIED. I GOT ON THE PHONE WITH THEM MULTIPLE TIMES AND EXPLAINED IT AND THEY ALWAYS TELL ME TO DO ANOTHER ONE TO DISPUTE AND IT SHOULD COME OFF BECAUSE IT GOT PLACED WITH THE OLD DISPUTE. THEY SAID THEY CAN'T DISPUTE IT BECAUSE IT'S THE BACK OFFICE 'S JOB. I EVEN REQUESTED DOCUMENTS USED TO VERIFY AND THEY DON'T HAVE PROOF TO EVEN KEEP IT POSTED ON MY CREDIT REPORT! LET ALONE VERIFY ANYTHING! I have submitted MULTIPLE FTC REPORTS FOR THESE! WHICH SHOULD TELL YOU THAT THERE SHOULD BE AT LEAST A INVESTIGATION BECAUSE FRAUD HAPPENED AND NOT JUST HANDLE THIS HOW YOU WANT. This is unacceptable & unauthorized use 15 U.S. Code 1602 ( p ). I demand that the accounts are deleted expeditiously or I will have to file for litigation due to the stress you have caused me and my family. My info definitely got impacted by the data breach at Equifax and I believe this to be a result of it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I leased a XXXX XXXX XXXX in XXXX of XXXX from XXXX XXXX XXXX XXXX ( the dealership ), for 3 years and with a XXXX allowance. I returned the vehicle early, in XXXX of XXXX and leased another XXXX from the same dealership. I had an excess wear-and-tear policy on the vehicle. The dealership agreed to waive any excess fees, including the fee for a lost key. The manager assured me that I had nothing to worry about or that I would have to file a claim with the company that issued the excess wear-and-tear policy, and that the dealership would handle everything for me, and they would also waive the end-of-lease disposition fee. I had made all lease payments on time and in full until early termination of that lease. 
I received several notices from Southeast Toyota Finance ( SETF ) concerning an outstanding balance, including missing monthly payments ( although I had returned the vehicle early! ). I contacted SETF at that time and informed them that the dealership was handling everything. After a few more notices from SETF, I repeatedly contacted the dealership and asked that they do something about the invoices from SETF and they repeatedly assured me that they were taking care of it ; in hindsight, they werent.

I heard nothing from SETF after the dealership informed me that they took care of everything, clearing up the situation with SETF and that they sent a payment to SETF to cover the lost key.

I recently checked my credit report and found that SETF had entered a charge-off against me. SETF never advised me in advance that SETF would be reporting a bad debt. I submitted a dispute with Transunion and Equifax regarding the charge-off. Both bureaus reported that they had contacted SETF and that the charge-off was correctly entered by SETF. I contacted SETF and they informed me that the dealership, or the warranty company, had indeed sent SETF the balance due on my account, but that SETF had already reported the bad debt charge-off before receiving the communication from the dealership, and there was nothing SETF could do to rectify that since it had already been reported.

Because the dealership ( and the warranty company ) were delinquent in sending SETF the missing information about the early lease termination and waiver of all and any additional costs, I suffered a negative entry in my credit reports.