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

My complaint centers on SageStream , LLC reported inaccurate and private information, which has adversely affected my consumer report. You are in violation of the FAIR CREDIT REPORTING ACT ( FCRA ). 15 U.S.C.

1681b ( a ) ( 2 ) et seq.. knowingly furnished my consumer report with inaccuracies multiple times without having wet ink, written instructions to do so. There actions have caused profound personal and emotional harm to both my family and me, resulting in a distressing situation that has left us severely affected.
Product: Credit reporting, credit repair services, or other personal consumer reports

Incorrect names and address on my credit report. I have had identity stolen in past and only want accurate information on my report
Product: Credit reporting or other personal consumer reports

This is my 4th dispute to Transunion requesting to have 4 positively reporting open accounts reinserted back to my consumer profile and I'm being given a response that doesn't address my dispute. Transunion is obligated to report accurate information about me as an consumer and my Transunion credit report is reflecting inaccurate not reporting these positive accounts. I also believe that if these were negatively reporting accounts Transunion would be very motivated to report that which displays unfair and deceptive credit reporting tactics. Im requesting to have these positively reporting accounts REINSERTED BACK TO TRANS UNION CREDIT PROFILE.
Product: Credit reporting or other personal consumer reports

They're fraudulent accounts, addresses and inquires on my credit report. Attached are the proper documents to verify my identity and claim.
Product: Credit reporting or other personal consumer reports

I have security freezes on my credit report with all three credit bureaus to help guard against identity theft, etc. I am applying for a new loan, so I need to unfreeze my reports temporarily. Equifax displays an error " We are temporarily unable to complete this request. Please try again later '' when I type my login information. I then reset my password which appeared to be successful. Despite this, I get the same error with the new login and password. I have called them and they claim they have fixed the problem but I still can not login. Then they told me that it will start working later on, maybe XXXX XXXX but they cant be sure. I asked to speak to a supervisor and they refused to connect me with one.
Product: Money transfer, virtual currency, or money service

Problem Wish Coinbase : XXXX of XXXX i received the XXXX XXXX Tether by XXXX in my Coinbase Wallet ( hash : XXXX ), at the same time I gave my Coinbase forward with the direction that gives me XXXX Tether default as recommended ( hash : XXXX ), never came and they tell me from the technical department that they do not accept that type of USDT, it is all nonsense since the addresses and the type of currency are correct. 
Ticket Numbers : XXXX XXXX XXXX  - Problem Wish mi SEND from coinbase wallet to coinbase XXXX XXXX XXXX XXXX Problem Wish USDT SEND and received
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a credit alert on XX/XX/2022 stating someone just viewed my credit, I proceeded to add a Freeze on my credit report. I contacted Equifax on XX/XX/2022 after I noticed both inquiries from XXXX. XXXX  XXXX XXXX and XXXX XXXX that weren't mines and spoke with a Supervisor by the name of XXXX  who suggested I fill out a FTC report and fax this form over to have the 2 inquiries removed from my reports. I sent over the FTC report with my I.D . and social security card and the inquiries are still on my reports.
Product: Credit reporting or other personal consumer reports

The accounts listed have violated my privacy and confidentiality rights under the Fair Credit Reporting Act ( FCRA ), a federal law ( 15 USC 1681 ). Specifically, the issue with XXXX XXXX XXXX XXXX XXXX XXXXXXXX falls under 15 USC 1681 section 602 A, safeguarding my privacy rights. Additionally, according to 15 USC 1681 Section 604 A Section 2, any company reporting on consumers, myself included, can not share information about my accounts without my written consent.

Furthermore, 15 U.S. Code 1681a clarifies that a " consumer report '' doesn't include information solely related to transactions between me and the reporting company. Also, in line with 15 U.S.C 1666B, a creditor is not allowed to mark a payment on my credit card account, within an open-end consumer credit plan, as late for any reason.
Product: Debt collection

collection company for XXXX XXXX is repeatedly calling me in an attempt to collect on a debt that they have not provided validation for in direct violation of the FDCPA. I have repeatedly told them to cease contacting me by phone and they continue to call and threaten me.
Product: Credit reporting or other personal consumer reports

I rented a house from XXXX to XXXX and received XXXX internet and TV service at my house. I moved out of the house in XX/XX/XXXX. I called XXXX and terminated my service when we moved out. But for some reason, XXXX kept the service at the house for the new tenants. I received a final invoice from XXXX that included two extra months when I was not renting the home. I told XXXX customer service I did not accrue those charges as I already moved out of the house, and I called and told them to cancel the service as of XX/XX/XXXX. In early XXXX, I received an invoice from XXXX for {$400.00}. I called XXXX, refuted the charges, and told them I was not living at the house and had called and canceled my service before moving out. I have refused to pay the charges since I did not accrue them. XXXX then turned the charges over to Waypoint Resource Group sometime in late XXXX or early XXXX. It has since appeared on my credit report as derogatory mark. I have called the Waypoint resource group numerous times to remove these charges from my credit report. I told them I do not owe any amount to Waypoint Resource Group or XXXX. Waypoint Resource Group has refused to remove the derogatory charges from my credit report, which has affected my credit report over the years. Waypoint Resource Group has been renewing the charges on my credit report every year as if the report appears every year. They just renewed the charges as of XXXX of XXXX, even though they initially put them on my credit report in late XXXX or early XXXX. I made a point not to pay these charges all these years because I did not owe the amount to XXXX, nor did I owe this amount to Waypoint Resource Group. I want these charges removed immediately. Thanks for your consideration.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted a complaint about my credit report however I have not received any changes. There are tax liens as well as inquiries that do n't belong to me. I have no knowledge of this debt. Please help me! I am furious!! Take them off!! State lien paid in released ( XXXX ) State lien ( XXXX ) State lien ( XXXX ) XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXXXXXX 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 Inquiries that were not authorized! XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please Remove them immediately!! It should be illegal to report items that do not belong to me!!!
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA CREDIT BUREAUS are required by law to remove any items or information which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 
XXXX, XXXXXXXX XXXX  ; XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXXXXXX XXXX XXXXXXXX XXXX XXXX, NV XXXX Date Updated : XX/XX/XXXX ; XXXX XXXX XXXX XXXX, CA XXXX Date Updated : XX/XX/XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX Balance Owed : {$10000.00} ; XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If XXXX and transUnion do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXXXXXX XXXX XXXX BANKRUPTCY ACCOUNT # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX  ACCOUNT # XXXX, Has Violated My rights 15 U S C 1581 section 602 States I have the right to privacy 15 U S C 1581 section 602 also States A consumer reporting agency can not furnish a account without my written instructions
Product: Checking or savings account

Someone was stealing money out my account XXXX times. All XXXX did was send me a new card. And the person kept stealing, so i said give me a new account and routing number. XXXX said no, and CONTINUED to let the person steal out of my account.
Product: Credit card

Regarding Shell Account # XXXX and XXXXAccount is issued and serviced by Citibank.N.A XXXX XXXX XXXX XXXX , SD XXXX. 
I wrote a letter to the company last XX/XX/XXXX requesting a " goodwill '' adjustment to my credit report because I believe my Shell Credit card report is inaccurate. Both credit card was under a payment arrangement I requested XX/XX/XXXX, the time of my hardship losing my home and then abandoned by my husband left with mortgage, other debt and credit card payment. The agreement was automatic deduction from my CITI bank checking account in the amount of {$67.00} and {$27.00} every month for 9.9 % APR for 5 years. And when the LAST PAYMENT is due in the amount of {$10.00} they did not debited it from my checking account and resulted the negative remarks in my credit report as delinquent.How and Why is the last payment not automatically generated debiting my checking account causing all the trouble .Also, I was contacted and harassed many times a day and at work and even when the payment was made, the calls continued for many more days not until I called them back which the person who answered said that it is a computer generated call that will not stop until it is corrected. Their customer service were very poor in regards to listening to the complaints and resolving issues including their supervisor that can not answer my questions and just transferred me another person w/o informing me first and you 're back to square one in explaining your issuel.. The very sad thing is the report lasted 60 & 90 days delinquent which Im not aware until I applied for a mortgage loan after long 5 years of struggle with my debt resulting to dropping my FICO score and then rejected to get a loan. It is very unfair that after 5 years of paying in good faith, they will destroy again your life due to computer generated billing that poorly monitored and a system that last payment in an automatic deduction from your bank can cause your life.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX makes this claim that a nationally recognized collection agency known as Transworld System Inc. is trying to collect on debts for a public utility company known as XXXX XXXX, knowing that the legal timeline to enforce any collection on said debt ( s ) have passed a long time ago. However, after several written disputes this collection agency states that the collections will be removed from my XXXX credit report XX/XX/2021. This proves that at the very least the legal timeline for enforcement has passed, but I want to state for the record that these two collections are over ten years old each. Transworld System Inc has re-aged these debts to fit into the 7-year timeline of obsolete information. Another part of my argument is that public utilities can not directly report on credit bureaus, as they are regulated through public service commissions on a state level, and not part of any federally regulated entity such as a national bank, thus the Fair Credit Reporting Act does not apply, and my rights are hereby violated under the Fair Debt Collection Practices Act. Transworld System Inc. is in violation of their subscriber agreement with XXXX, knowingly posting unenforceable collections on a consumers credit bureau well past the legitimate timeline for reporting. I ask for a full reinvestigation by XXXX  and if documentation proves my position, a complete disassociation with Transworld System Inc. would be in order.
Product: Credit reporting or other personal consumer reports

GM Financial has discharged the debt, file 1099 with IRS. This is considered as income once discharged and should not be reported on credit report and with the credit reporting agencies like XXXX, XXXX, and XXXX, and any other reporting agencies. Once they have sold or transfer the purchased money loan agreement or contract to a third party purchaser, then this illegal reporting should not be on my credit report. I requested that they removed this from my credit report immediately to no avail. This is considered as income according to the IRS, and income should not be reported on credit report of the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, It has come to my attention. That my personal information and my identity have been compromised. I received a notice in the mail that I was involved in the XXXX data breach. I find it very alarming that your company continues to violate my rights, by reporting my personal information and following accounts incorrectly.

I have the right to privacy.

15 U.S.C 1681 section 602 A. States, I have the right to privacy.

15 U.S.C. 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy. 

15 U.S.C 1681b ( a ) ( 2 ) - nothing can be furnished on my consumer report without my written consent 15 U.S. Code 1611 - Criminal liability for willful and knowing violation Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, 15 U.S.C 1692 ( C ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

15 U.S.C. 1681-11681x The Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies, and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act. Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. In addition, users of the information for credit, insurance, or employment purposes must notify the consumer when an adverse action is taken on the basis of such reports. 
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity, and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
Accounts 15 U.S. CODE 1681I - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX XXXX XXXX Account number XXXX {$420.00} 15 U.S. CODE XXXX - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX XXXX XXXX Account number XXXX {$490.00} 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX XXXX XXXX Account number XXXX {$420.00} Personal information is incorrect XXXX XXXX XXXX XXXX XXXX XXXX XXXX az XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX
Product: Checking or savings account

On XX/XX/2024 I was a victim of bank account fraud and {$3900.00} was stolen out my bank account Wells Fargo notified me of the pending transactions and I denied both of the charges towards my account and told them that it was unauthorized the withdrawals was from someone in XXXX XXXX, FL. I dont live in Florida I live in XXXXXXXX XXXX XXXX XXXX 

But I got a text message at XXXX pm stating that someone was trying to take {$500.00} out my account at XXXX then someone from a Wells Fargo phone number called me then I told them what was going on and that the transactions were not authorized and they told me they would handle and the {$3900.00} was still taken out of my savings account. They had my card number, phone number and all my bank information and was able to send me text messages as well. From the Wells Fargo System. 

I notified the bank that it was not me an I dont keep large sums of money in checking account for that reason and when I contacted a banker the next day XX/XX/2024 she notified of the transactions where cancelled.
Product: Vehicle loan or lease

I believe we were subject to discrimination and a bait and switch tactic based off of our race. When we had texted them about my auto loan, initially we had a finance vehicle and we have XXXX XXXX children so we need another vehicle. We sent them our information about our credit scores and our income, etc. and they told us we could have a lease with XXXX down. Hours after going to sit in the office suddenly they wanted a large down payment, after they had already talk to us about getting some thing with XXXX down. After they already had our credit information and spores after they had already went through everything, and they basically backed out and changed their minds and ended up giving us a very high APR, as well as a high down payment. Because we were in the office for so long, and they only switch these tactics towards the end we felt pressured towards getting the vehicle. I fully believe this is because of our race and I know that someone with a similar background who had the credit history, the income, the work, history, and the preferred color of skin wouldve gotten a different rate. I would like you to look over this information and check because although we have been With Honda Financial and we have XXXX XXXX XXXX XXXX, it still does not sit right with me that they told us we could have a XXXX down payment vehicle and based on our credit history and reporting that shouldve been fine but once we actually got into the office after about XXXX hours or so they suddenly switched it on us. We used the XXXX XXXX program and we let them know we were using the XXXXXXXX XXXX program, but I am still not sure to this day that they actually honor the information because they never even showed us the XXXX auto price. Honda Financial also take steps to make sure people can not view their contract details online. I believe this is because they dont want people to have access to the information and really know how they are being charged. We went through a very hard time and we were communicating frequently with the leasing department and we were told that if we became current on our payments, they would not put any late remarks on our account. My son has been hit by a car, and we felt like it was very important to communicate at all times. We were told if we made these payments and got caught up they would remove any late remarks her account, and we would be fine. Not only this, but for our lease we have Honda Care, and a Honda Care has not been covering the things they say it will including the trip interruption. We filed a case and we submitted all the documentation and never heard back and this is unacceptable. In addition, every time theyre supposed to give us a loaner vehicle so that repairs can be made. There is no loaner vehicle available. an entire car dealership lot. There is no loaner vehicle available when they stop and say oh, but you can rent a car from us though. And we have Honda Care on our plan with a service agreement. This is clear discrimination.
Product: Credit card or prepaid card

Equifax has been non-compliant with removing the unverified account XXXX XXXX XXXX XXXX which has been deleted by XXXX and XXXX. XXXX and XXXX   have both completed their research and determined that XXXX XXXX XXXX XXXX was not established by myself but Equifax keeps verifying this accounts. Also, when I called the company they responded that Equifax did not send them all of the verifying evidence to confirm each account is unverified.
Product: Money transfer, virtual currency, or money service

XXXX XXXX stole all my money, and does not fix any of my technical issues! 
This is absolutely unfair and very dissapopinted.
Product: Credit card

I made a payment of {$70.00} on XX/XX/year>. XXXX XXXX said this was a returned payment and charged me a late fee. I made a payment of {$140.00} on XX/XX/year>. XXXX XXXX also said this was a returned payment and charged me another late fee. XXXX XXXX also submitted a late payment report to the credit bureau, which significantly decreased my credit score. I called XXXX XXXX twice to ask them to remove this late payment report, which they said they can not. They said I have to dispute it with the credit bureau. I did attempt to make another over-the-phone payment today, but I will not know for a few days if that will process. My XXXX XXXX says the problem must be occurring on XXXX XXXX 's side, but XXXX XXXX denies it. Meanwhile, I am getting " punished '' with late fees and a reduced XXXX XXXX, and I am trying to fix that as I am trying to make payments in good faith, and I do have the money in my account so that is not the problem either.
Product: Credit card or prepaid card

to whom it may concern my credit card was used on fraudulent activity on XXXX XX/XX/2020 amount of XXXX dollars. it was over the internet transaction. the activity was attempt of XXXX first and it was denied and then second attempt of XXXX went through. i called the citi mater credit card company on XXXX XX/XX/2020 and they said it was pending and they were able to stop it and i should be able to have my money back 2-3 business days. on XX/XX/XXXX, they charged XXXX on my card. and they said their fraudulent investigation takes up to 90 days. 
i didn't get any text alert or phone alert to approve the transaction nor they didn't keep their promise.