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

I contacted TransUnion directly multiple times in regards to inquires that were removed from my credit and is appearing again. I told the customer service representatives that I did not receive any notice. Each one of them refused to assist me and told me it is nothing could be done about this. My name is XXXX XXXX ; XXXX is my social security number. The representative were very rude to me and talked to my as if I do not have rights as a consumer. They told me sorry it will just appear on your credit repair. However that is unfair and unethical. I did tell them I would take legal actions. The representatives told me they did not care what I did it will not change the matter.
Product: Checking or savings account

I waited to file this complaint for this long because I was searching for the bank agreement I was given at the time I opened the account which describes the policies and charges I am subject to. 
On XXXX XXXX XXXX my checking account was charged a overdraft fee of {$35.00} due to insufficient funds. 
I called Bank of America asking to have the fee waived, but the customer service representative told me my account did not qualify to have the fee waived. I told the representative my account was set up to decline or return all payments that will cause overdrafts, plus I was told when I opened the account that the account was exempt of overdraft fees, but the representative, apart from emanating a belittling behaviour towards me, refused to refund me the fee. 
Today, XX/XX/XXXX, I found the copy of the policies and charges the checking account is subject to. This agreement clearly states that the bank will not charge any overdraft fees to this account if the " Decline All '' setting was chosen which it was since the first day I opened the account. I made it clear to the bank representative while I was at the branch when opening the account that I did not want any overdraft protection and that I wanted to Decline ALL transactions that will cause me to be overdraft. Then, I made sure that feature was set up in my online banking settings. 
Bank of America charged me an overdraft fee regardless of all my efforts of following their rules to avoid being overdraft. 
I feel Bank of America is taken advantage of me because I am XXXX years old senior citizen who only source of income comes from XXXX which is how my account gets replenish every month. If I were a super rich customer I am sure their representative team would have had a different approach to my request.
Product: Credit reporting, credit repair services, or other personal consumer reports

Lexis Nexis is reporting a Bankruptcy on my credit file, and the bureaus are claiming that they verified that the bankruptcy is reporting accurately through lexis nexis. 

I demand lexis nexis provide me with their METHOD OF VERIFICATION for how they verified that the alleged bankruptcy is reporting accurately. According to the FCRA, they must request verification from the ORIGINAL CREDITOR. 

In compliance with the FCRA 15 U.S.C section 1681 et seq, i request that they re-investigate the account they are reporting to verify its accuracy. 

Failure to verify this information within the required timeframe as outlined by the FCRA i ask that they subsequently remove this record from my lexis nexis riskview report. 

ACCORDING TO THE BANKRUPTCY COURT WHOM IS THE ORIGINAL CREDITOR THEY DO NOT PROVIDE THIS INFORMATION TO LEXIS NEXIS BECAUSE LEXIS NEXIS IS UNABLE TO VERIFY THIS INFORMATION I REQUEST THAT XXXX AND XXXX DELETE THIS INFORMATION FROM MY CREDIT REPORT AS WELL.
Product: Credit card

Citibank has put the the restriction on my credit privileges for now more than XXXX  years even after explaining that the merchant was rogue. 

And, Citibank still not ready to lift the restriction. 

But they have no issues allowing me to open a checking or savings account and make money out of it by lending the same money to their customer and ear higher interest on it. 

This is sheer case of profiling.
Product: Credit card

Subject : Unauthorized Charges on My Credit Card On XX/XX/2023 I discovered a transaction on my credit card statement that were made without my permission. These charges are as follows : Transaction Date : XX/XX/2023 Amount : XXXX Description : Apple XXXX XXXX Add additional unauthorized transaction of XXXX on XX/XX/XXXX at Apple Online Store that I blocked.

As soon as I noticed these unauthorized charges, I took immediate action by contacting Apple Goldman Sachs customer service team. I spoke with [ Customer Service Representative, who was extremely helpful in addressing my concerns. During the call, I provided all the necessary information regarding these unauthorized charges and was assured that the matter would be thoroughly investigated. 

I would like to emphasize that I did not authorize these transactions in any way, and I request a full investigation into this matter to determine how these charges occurred without my consent. 

I take the security of my credit card account very seriously, and I hope you will take the necessary steps to rectify this situation promptly. 

I appreciate your prompt attention to this issue and your commitment to ensuring the security and integrity of my credit card account.
Product: Debt collection

I took out a personal loan refinanced that loan last year then XXXX did a debt consolidation on loan my credit union sent out payment opp loans returned payment XX/XX/XXXX and XX/XX/XXXX meanwhile it showed paid they allowed me to take another loan I did now they reported to the bureaus that my acct as a charge off hurting my credit I just got notified of this report 4 months later they never contacted me it was reversed they turned over to collection agency I make payments for past loan now and current loan never been late and they reported me to credit bureaus at charge off with no notification hindering me getting my VA home loan I have contacted opp loans they can't tell me why it's reported charge off or why I was not notified I want the charge off removed as I agreed to pay past loan offbin full as I am already making payments please help
Product: Debt collection

XXXX CONNS IS NOT MY ACCOUNT ITS BEING REPORTED XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm XXXX XXXX, and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be updated and corrected. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected accordingly : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I just received my credit report and I noticed the following inquiries that are not linked to any of my accounts. 

Credit Inquiry from XXXX XXXX XXXX, Inquiry Info : HARD Inquiry : Banking - XXXX Credit Inquiry from XXXX XXXX XXXX, Inquiry Info : HARD Inquiry : Banking - XXXX Credit Inquiry from XXXX APPEAL, Inquiry Info : HARD Inquiry : Automotive - XXXX Credit Inquiry from XXXX XXXX XXXX, Inquiry Info : HARD Inquiry : Finance - XXXX Credit Inquiry from XXXX, Inquiry Info : HARD Inquiry : Banking - XXXX Credit Inquiry from XXXX, Inquiry Info : HARD Inquiry : Banking - XXXX Credit Inquiry from XXXX, Inquiry Info : HARD Inquiry : Banking - XXXX Creditor : XXXX XXXX XXXX Creditor : XXXX XXXX XXXX  XXXX XXXX Creditor : XXXX XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Credit Inquiry from XXXX XXXX AUTO FI, Inquiry Info : HARD Inquiry : Banking - XXXX Credit Inquiry from XXXX XXXX, Inquiry Info : HARD Inquiry : Automotive - XXXX Credit Inquiry from XXXX XXXX XXXX XXXX, Inquiry Info : HARD Inquiry : Automotive - XXXX Credit Inquiry from XXXX XXXX, Inquiry Info : HARD Inquiry : Finance - XXXX Credit Inquiry from XXXX XXXX XXXX XXXX, Inquiry Info : HARD Inquiry : Finance - XXXX Credit Inquiry from XXXX XXXX DEALER S, Inquiry Info : HARD Inquiry : Finance - XXXX Creditor : XXXX XXXX XXXX Creditor : XXXX XXXX XXXX XXXX XXXX Creditor : XXXX XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Credit Inquiry from XXXX XXXX, Inquiry Info : HARD Inquiry : Finance - XXXX Credit Inquiry from XXXX, Inquiry Info : HARD Inquiry : Banking - XXXX Credit Inquiry from XXXX XXXX XXXX, Inquiry Info : HARD Inquiry : Banking - XXXX Credit Inquiry from XXXX, Inquiry Info : HARD Inquiry : XXXX  - XXXX Creditor : XXXX XXXX XXXX Creditor : XXXX XXXX XXXX  XXXX XXXX Creditor : XXXX XXXX
Product: Credit card or prepaid card

The card was chase that had fraudulent usage and left in financial hardship. I contacted them they sent my money to another account. I also tried to contact the bank they gave me the link for the police. I made reports and it's still affecting my credit score.since 2020.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. 
XXXX {$870.00} XXXX {$760.00} XXXX {$6600.00} XXXX XXXX XXXX {$170.00} XXXX XXXX {$15000.00} XXXX {$13000.00} US DEP EDXXXX  {$6600.00} XXXX {$760.00} XXXX {$5200.00} XXXX {$18000.00} XXXX {$2200.00} XXXX {$420.00} XXXX {$28000.00} CHAPTERXXXX BANKRUPTCU DISCHARGEDXXXX {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts are not mine but is reflecting on my credit report. 

XXXX XXXX XXXX Acct # : XXXX Opened : XX/XX/2020 Amount : {$5900.00} They are illegally furnishing data on my consumer report that one is not mine or i dont remember opening these accounts. i never gave Experian any verbal or written consent to report anything on my consumer report. no consent is identity theft. so they are violating law 15 U.S. Code 1681b i am personally writing to them with help of my lawyer that is telling me to gather all this information to file lawsuits to the credit bureaus and these companies that are making money off me while maintaining my credit in the ruins. selling my information to third parties.
Product: Money transfer, virtual currency, or money service

XXXX XXXX deactivated my account with them on XX/XX/23. I understand they reserve the right do to this and hold any balance of funds I had earned while using them. They sent me correspondence via email that was unclear regarding what to do with that correspondence. That email quoted a hold of my funds for EITHER 3 months or 6 months but was not specific, nor did it provide a clear date of release. I waited 3 months and attempted to transfer my funds, they were still being held. I waited an additional 3 months in order to suffice the 6 months that ( according to THEM ) was the maximum my funds would be held. They continued to hold the funds. I began reaching out to XXXX for assistance with how to remedy this. Responses included : - Refer to your original email - That is not my department- I don't have additional information about that for you and in all, XXXX attempts to assist with recouping my funds that they stated would be on hold up to 6 months. I have not received any additional correspondence outlining a change in hold times or an extension of hold time. When I contact them the do not give specific answers, typically stating processing time for these requests are approximated XXXX hours, only to then receive a generic response like the ones listed above. Furthermore, when I inquire about the inconsistencies in quotes, timeframes, or lack of correspondence, the reps I have spoken with simply do not acknowledge or respond to my line of questioning. The phone number will hang out the call, the online instant messaging reps with stop responding unless I open a new conversation ( and then the pattern repeats ), and via email I will not get a response. XXXX also states that they do not retain any documentation of the correspondence they send to me ( or " clients ), but very adamantly states that the email correspondence is what reps are required to go by. When I asked for a copy of said documentation ( that was supposedly sent to me ) they are unable to provide it. 
Desired settlement : Release funds in the amount of {$200.00} and fully close my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent letters to XXXX, XXXX and TransUnion about these false negative accounts on my credit report last XX/XX/2021. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified. These report is misleading and suspicious. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the XXXX you have caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person. These report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigation, and charge {$1000.00} per violation. 

However All Under penalty of perjury, I swear this account is false and misleading Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. 
Unauthorized/Erroneous Account RESULT OF The XXXX XXXX  XXXX Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. 
XXXX XXXX asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me. 
Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681.
Product: Money transfer, virtual currency, or money service

My name is XXXX XXXX Cash app closed my account with XXXX XXXX  in it and acted like they didnt know what I was talking about and stated that my account could not be found
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX ran my credit report 3 times for the same application. 2 were in the same day, but it was their automated system that I didnt authorize to run my credit report 2 in the same day. The third inquiry for the following day should be the only inquiry on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX CO XXXX Balance {$0.00} ; XXXXXXXX XXXX XXXXXXXX Balance {$0.00} are reporting on my personal credit file with ( Equifax/XXXX XXXX credit reporting agency. These accounts were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regards to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof these were opened, authorized or created by me.
Product: Debt collection

XXXXXXXX XXXX XXXX is a debt collector in XXXX who brought suit against me in XXXX XXXX XXXX district court. i did not recognize the orginial creditor nor the amount. i have made multiple attempts to contact the attorney to discuss as i'm representing my case XXXX XXXXXXXX. the company will not allow me to speak with counsel and said i had to discuss legal matters with them. 

i contacted their phone number and attempted to pay the debt ( even though it's not mine ) due to needing to maintain clearance for my employment ( i was only given a month of notice from law suit filing to appearance ). after contacting their number, the phone operator said that i had to pay funds and that they still would proceed with enforcement action against me and mentioned they would garnish my paycheck. 

overall, i feel the company is being deceptive in order to gain a judgement against me no matter what i do. the avoidance of any discussion shows this to be true in my opinion. i'm left with no option but to continue the court case even though XXXXXXXX XXXX XXXXXXXX has accepted payment for the account
Product: Debt collection

When the company called me, they wanted to verify who I was. I told them because I have no idea of who they are, I will not give my personal information to anyone. However, please send me a letter and I will respond for sure. The company continued to call me relentlessly about a bill from XXXX XXXX XXXX XXXX, I told them I do not owe anything to this company and have proof that I will be willing to provide if they can send me something in writing. They sent nothing in writing but put that I owe money on all three of my credit reports and backdated the bill to XX/XX/2018, when it was just recently put on to my credit reports in XX/XX/2018.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing fraud on this credit card account with JP Morgan Chase Bank. They have repeatedly ignored my requests and will not answer my questions. They have been silent on the issue. They have now charged off the balance and it is now negatively affecting my credit scores on all agencies.
Product: Credit reporting or other personal consumer reports

My account with ( CREDITOR NAME ) was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in those account to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

( CREDITOR NAME ) Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Debt collection

I am disputing this debt because I do not owe it. The debt collector states I owe them the alleged debt. I have no agreement with Financial Recovery Services Inc.. I would like to provide the following explanation : PLEASE DO NOT SEND ME monthly BILLS as validation. PLEASE PROVIDE ME WITH THE FOLLOWING : I am requesting verification of the alleged debt, specifically : 1. An explanation of what this alleged account balance is for. 
2. A calculation of this balance, including the complete payment history on the account, so I have proof that the amount belongs to me. 
3. Documentation shows I agreed to pay this debt. 
4. The Agreement that grants you authority to collect on this alleged debt. 
5. A copy of your state license, including license number, as well as do you have license in the state of Georgia to collect on this debt as well as the arbitration clause according to 15 U.S.C SECTION 1692 G. 5. 

Thanks in advance!
Product: Debt collection

Designed Receivable Solutions, Inc. is attempting to collect payment from me for two accounts identified by Designed Receivable Solutions, Inc. as being account number XXXX ( {$45.00} ) and account number XXXX ( {$50.00} ). I have previously written to Designed Receivable Solutions, Inc. to request verification and explanation of the amounts owed via Designed Receivable Solutions, Inc. providing me an explanation of what the charges are for, from where they originate, and what services were provided by an original creditor to substantiate the original charges. Designed Receivable Solutions, Inc. has so far completely failed to answer my request for explanation and has failed to provide me any documentation from an original creditor supporting the request for payment. Designed Receivable Solutions, Inc. is also adding a large amount of accumulating interest to the amounts it is requesting. I am not aware of any unpaid bills that I owe, and certainly hesitate to pay for charges I don't recognize and which have no supporting documents provided to me with request for payment.