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

This student loan was for my daughter who requested a deferment because she graduated from college with her XXXX.XXXX  in XXXX  in XX/XX/XXXX. Moreover she was still in school in XX/XX/XXXX - shows 60 days late ... also XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ... she was still in school ... In XX/XX/XXXX it shows 120 days late ... could you please correct this ... thank you in advance.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting this complaint against Experian, Equifax, and Transunion due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.
Product: Credit card or prepaid card

Barclays just took over my account which was previously held by XXXX Bank. Upon taking them over I was in a dispute over charges. When I called XXXX at that time they said they no longer had the account and I needed to call Barclays ( that was XX/XX/2022 ). Upon calling Barclays that day, I spoke with an XXXX who told me that I needed to call back in 30 days since the information had not fully transferred over. When I called back on XX/XX/XXXX, I spent XXXX hours on the phone. I first spoke with XXXX who told me to put in the fraud charges on my end on the computer ( there were XXXX separate charges on the same day made at the same place totaling {$530.00} ). When I put in the first claim it closed out my account, and I could no longer get to it to put in the second. She then tried to transfer me to the fraud department to which she was saying they were having problems on their end she gave me a number and I had to wait 30 minutes and call that number. Well it brought me back to square one, and I had to go through everything all over again. I then spoke to XXXX he told me he spoke to the fraud department, and that because these charges happened before they took over the account that I needed to contact XXXX. I told him that they told me to contact them! I asked to speak with a XXXX to which I spoke to XXXX for a total of XXXX minutes and he then transferred me to the fraud department. I then spoke with XXXX, I was talking with her explaining everything and she kept putting me on hold. The last hold she put me on was extremely long. I was on the phone with her for 40 minutes, and then I was disconnected! She obviously had all my information, and she never called or emailed either to say we were disconnected. Basically hung up on as I had the message from the phone company. I want these charges reversed as these were not made by me! I spent 3 hours of my day getting nothing accomplished and I do not have 3 hours to do this again.
Product: Vehicle loan or lease

The company is having agents call make arrangements for payment falsely and deceitfully assign the vehicle for repossession after claiming they would make sure the car doesnt fall into repossession and the payment plan was valid the car itself is disabled from vandalism and theft and they are unwilling to take into consideration the customers needs for assistance.Thankyou
Product: Money transfer, virtual currency, or money service

Venmo, they keep suspending my account when I try to transfer my balance to another bank, or just when I try to simply send the money to someone else. I've had this issue every single XXXX time I've used Venmo. They are thieves, and need to be shut down and investigated. What s ridiculously XXXX p2p platform. XXXX  to the creator of Venmo. I have XXXX bucks in there that they just decide they were gon na hold on me and I'm not having it!!! ; I'm broke and need to pay my bills XXXX XXXX it!!!!!
Product: Debt collection

received a letter asking me to provide my taxpayer id or SSN to them and if I did not, I would be fined by the IRS. The IRS has my correct info, and so does this company!! the letter was dated XXXX/XXXX/15. I have the email I sent to them not to contact me any further on XXXX/XXXX/15 at XXXX. to XXXXXXXXXXXX.
Product: Money transfer, virtual currency, or money service

I have made plenty complaints and this company hasnt done anything but ask for my information
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 Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX  # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/year>2022 XXXX  XXXX XX/XX/year>2022 XXXX XXXX XXXX/2022XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting a copy of Official Form 106G Schedule G : Executory Contracts and Unexpired Leases. Outlining proof that my lease with XXXX XXXX XXXX XXXX was excluded from my chapter XXXX bankruptcy filed on XX/XX/2021. XXXX XXXX should be reporting my payments as well as reflecting the account is indeed still opened and current.
Product: Credit reporting, credit repair services, or other personal consumer reports

Filed a dispute on XX/XX/XXXX and still do not have resolution. It has been longer than 30 ays, right at 45 days now and still no answer.
Product: Credit card or prepaid card

XX/XX/2022 XXXX calls to XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX They said I had XXXX cards which I did not and even had charges on the XXXX card. I did not use the other card as rates were too high. They even charged me for not using the card after I had it cancelled in XX/XX/2022.
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX- Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. US SM BUS ADMIN ODA on XX/XX/XXXX ( Reported Identity Theft )
Product: Credit reporting or other personal consumer reports

RE : XXXX Block Request To Whom It May Concern, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that XXXX 

XXXX XXXX XXXX XXXXXXXX - XX/XX/year> - {$37000.00} Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Product: Credit reporting

Experian has continually rated my credit at XXXX while the other XXXX rate it at appx XXXX. I filed bankruptcy in 2008 and have had to pay cash for all personal activities since that time. No one will give me credit because of the rating by Experian. I have paid my house payments on time every month since the bankruptcy and my business has been current on all credit activities since that time. Experian will not rerate me because I do not have enough credit activity, but because of them I can not get credit. A catch 22.
Product: Credit reporting or other personal consumer reports

Equifax, XXXX, and XXXX  reported inaccurate information when an allege debt is in litigation which is a violation of federal law 15 use 1681b permissible purpose. everything the credit bureaus report, they must report accurate information. XXXX XXXX authorize positive, settle negative practices and the subsequent charging of overdraft fees were not only unfair, but they also caused substantial harm to consumers. More overt, in many cases, consumers were charged an overdraft fee completely unaware of XXXX XXXX complex processes related to the posting of transactions and whether they will incur an overdraft fee. 

XXXX practices and an overreliance on overdraft and non-sufficient fees are counter to the credit union systems statutory mission of meeting the credit and savings needs of their members especially those of modest means. Credit union member-owners have the right to know about any fees and practices that affect their hard-earned savings and credit unions owe it to their members to be transparent. The settlement with XXXX XXXX underscores the importance of ensuring fair and responsible treatment of consumers and protecting consumers from predatory business practices. 

The CFPB ordered XXXX XXXX XXXX XXXX to pay more than {$80.00} XXXX to reimburse members and a {$15.00} XXXX penalty to the CFPBs This is an external link to a website belonging to another federal agency, private organization, or commercial entity. victims relief fund ( Opens new window ).
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau date the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX Creditor : XXXX XXXX ) XXXX
Product: Credit reporting

Dear Consumer Financial Protection Bureau : In Re : block access to credit reportThe reason for me filing this complaint with your agency is due to Equifax blocking me from any access to my credit report. When, I tried to filed a complaint through the Equifax web site using the confirmation number supply to me, my credit file is empty. It does not display nothing under the personal information, accounts, negative information and inquiries for me to dispute. Equifax has completely block me from having any access or pulling my file using XXXX are any other source. I can only check the status of my pending disputes ; not file a dispute. I greatly appreciate your assistance in investigating this matter. 

Thank you, XXXX XXXX
Product: Checking or savings account

I have a checking account with this bank and had some funds sitting for a while in my account. All of a sudden I get a fraud alert from someone from the bank telling me of a transaction I made that I did not. During that week it was a back and forth between the bank and I during their investigation. They the bank sent me an email and I made an error and click on the wrong box. That action made them determin that I made the transaction they claimed I did and my account was wipped out. Now they restricted my Credit Card with them and my Checking account claim was denied because I could not supply enough proof I did not made the so call purchase. I need your help I have nowhere to turn. Please.
Product: Debt collection

I have received repeated phone calls from CIG Financial for YEARS. 
They are looking for a person named, " XXXX XXXX ''. Each time they call, I inform them that I no one by that name resides here nor do I know anyone by that name. I then tell them to stop calling my phone number. 
Yet, they continue. This has gone on since I have had this phone number ( many years, now ). 
I have asked to speak with a manager or supervisor only to be put on hold indefinitely. 
The latest call was today, XX/XX/2019 at XXXX XXXX, EST. 
My caller ID says they are calling from XXXX
Product: Vehicle loan or lease

Me and my wife purchased a vehicle through XXXX XXXX XXXX back in XXXX of 2016, and when my wife filed a Ch. XXXX, it did not affect us making our car note payments on time ; however, because my wife filed a Ch. XXXX, BBVA will not allow us to make our car payments on line. 

We pay BBVA on the phone, but for the last two weeks, we have being trying to pay our car note, and their recorded message tells us to leave a call back number, and a representative will call us back ; but no one has called us back yet. 

BBVA has made it very difficult to make payments to them, and you would think it would be just the opposite, all we want to do is conveniently make a car note payment. 

Just because my wife filed a Ch XXXX, should not stop us from been able to pay online, they treat us as if we are a second class citizen, because of a Ch XXXX that did not even affect us paying them!
Product: Credit reporting or other personal consumer reports

I applied fora loan from covington credit and my loan was sold without my knowledge or permission ( third parties ) breech of information
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts not later than 4 business days. Ive already included this report in my previous letter & I am including it again. Also, the information you provided on some accounts are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
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 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

There are several inaccuracies on my report that I didnt authorize these accounts violating my rights according to the FDCPA. The Credit Reporting agency continues to violate my rights according to 15 USC 1692. " Any bad debt furnished on your reports is ruining your reputation and it's defamation of character
Product: Credit reporting, credit repair services, or other personal consumer reports

Attached you will find a copy of my IT report on this issue. Experian Consumer Reporting Agency. Continues to Furnish a FRAUDULENT ACCOUNT on my Consumer Report. I listed several FDCPA and FRCA LAWS that they are Violating but they continue to report this account. They are Violating Permissible Purpose, Right to Privacy, Billing Error and they are Violating the provisions of 15 USC 6802.
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 XXXXXXXX # XXXX : Balance : {$290.00} Account Name : XXXX XXXX XXXX # XXXX : Balance : {$430.00} Account Name : XXXX XXXX XXXX # XXXX : Balance : {$960.00} Account Name : XXXXXXXX XXXX # XXXX Account Name : XXXX  # XXXX Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX # XXXX : Balance : {$9800.00} Account Name : XXXX # XXXX : Balance : {$660.00} Account Name : XXXX XXXX XXXX # XXXX : Balance : {$55.00} Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXX  # XXXX Account Name : XXXX XXXX XXXX XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX # XXXX : Balance : {$470.00} Account Name : XXXX XXXX XXXX # XXXX : Balance : {$450.00} Account Name : XXXX XXXX XXXX # XXXX : Balance : {$660.00} Account Name : XXXX XXXX XXXX # XXXX : Balance : {$550.00} Account Name : XXXX XXXX XXXX # XXXX : Balance : {$1000.00} Account Name : XXXXXXXX XXXX # XXXX : Balance : {$1000.00} XXXX Account Name : XXXX XXXX  # XXXX : Balance : {$340.00} Account Name : XXXX # XXXX : Balance : {$820.00} Account Name : XXXX XXXX XXXX # XXXX : Balance : {$4900.00} Unauthorized Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card or prepaid card

XX/XX/XXXX {$480.00} hotel showed a payment made on two different cards. The hotel fixed the problem. 


XX/XX/XXXX. {$23.00} Debit Visa was declined several times. I wrote a check. 

XX/XX/XXXX {$17.00} purchase declined. I used a different card. 

XX/XX/XXXX - XX/XX/XXXX {$610.00} total with 184 purchases on Visa Signature. 
Stop put on vendor and Card restored amount.
Product: Debt collection

Account name CONVERGENT OUTSOURCING has report this debt to all credit agencies. This acct has no balance, I also spoke with XXXX who stated there was nothing due when I closed the account. 

XXXX Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/2021 Status Collection account. {$360.00} past due as of XX/XX/2021. 
Status updated XX/XX/2021 Balance {$360.00} Balance updated XX/XX/2021
Product: Debt collection

In XXXX of XXXX after moving to XXXX XXXX, Texas, my XXXX XXXX service began to take a sharp dive. I was receiving " 5G '' which at the time, was just a regular LTE network channel, advertised as 5G, which was almost always giving me dial-up data speeds. On several occasions at my apartment and around the city, my speeds were often no more than 800Kbps, which is nothing near the expected speed range for 5G or LTE. I contacted XXXX XXXX several times and was asked to complete troubleshooting, which I did. After troubleshooting, XXXX gave me some excuse about an outage or maintenance, each time I had brought these slow speed concerns to their attention. On the third time reaching out and insisting a ticket be filed for their engineers, I was told no and that the same, repetitive, unhelpful troubleshooting steps need to be done. After those steps were done again, I was told once again that this is just a temporary outage. This issue persisted for months, and in XXXX of XXXX, I contacted XXXX 's Executive Customer Relations team via emailing XXXX executives. My correspondence went unanswered several times until I continued to email their executives. Eventually, a customer relations representative reached out and offered no assistance. I advised them that I demanded for my phone installment plan to be credited and my account closed, so I could take my business to another provider. XXXX refused to provide any type of billing credit or credit to close my device 's installment plan. After weeks of non-compliance from XXXX, I cancelled my account by porting out. Several months later, I am now receiving a bill for {$800.00}, as XXXX is unwilling to reach a resolution because I won't play their bait and switch games. XXXX has sent my balance to multiple collection agencies which have failed to provide validation for the debt and violate FCRA and FDCPA regulations. After challenging the first collection agency, XXXX sold the debt to another agency. 

XXXX initially sent my debt to XXXX XXXX, which sent me an email regarding a balance. Upon sending a debt validation letter, XXXX XXXX did not reply within their required 30 days. After not hearing from XXXX or XXXX for a month, I received a debt collection notice from I.C. System Inc. at the end of XXXX, which I have mailed another debt validation letter, on XX/XX/XXXX. XXXX can not continue to buy back debt for a contract that XXXX violated by not providing proper service as promised, and sell it to a new debt collection agency each time they're challenged by me, as they clearly can not provide the necessary proof that the debt is mine and XXXX should be on notice that they had violated their contractual agreement to me, which I will not be paying for, as I cancelled my service and took my service elsewhere.
Product: Debt collection

Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request debt validation made pursuant to XXXX5 USC 1692g Sec. 809 ( b ) of the FDCPA. On XX/XX/XXXX I sent a request for validation to Transunion about several accounts listed on my credit report. I received a letter from Transunion dated XXXX XXXX that all of the accounts were verified but they did not send me any proof. I sent a second requesting them to provide proof on XX/XX/XXXX. On XX/XX/XXXX I received a letter of the dispute status for bankruptcy listed on my report. Transunion falsely stated the bankruptcy was verified with the courthouse. I sent them a letter that I received from the courthouse that proves otherwise. See attached. The letter from Transunion also states that they are not required to reinvestigate the same item ( s ) without additional information to support the dispute. Which is beyond questionable since the never properly validated any of the debts in the first place. On XX/XX/XXXX, I received another letter from Transunion stating the items had been verified again, yet they still did not provide me with the competent validation I requested. I sent a third request informing them that I was exercising my rights under FCRA 611 ( a ) ( 7 ) requesting a complete description of all methods used to investigate my previous dispute. As a result, I received XXXX letters dated XX/XX/XXXX. An investigation procedure letter and a dispute status of XXXX XXXX XXXX but I did not receive validated proof or documentation that I requested. I sent a fourth dispute letter dated XX/XX/XXXX. Yet, I received another letter stating that all of the accounts were verified. On XX/XX/XXXX I sent a final letter requesting verification. Once again Transunion stated the accounts were verified and or updated. I sent the same letters to XXXX XXXX XXXX and both agencies deleted XXXX from my credit report. Ive spent a lot of time and money sending letters to Transunion yet they never validated anything. How is it that one credit reporting agency can delete non-validated items in question, yet another doesnt when the same law applies to all of them? I have included all of the documents Ive sent to Transunion which shows that they violated my rights and ignored my requests numerous times per section FCRA 609 due to not following proper investigation procedures. In accordance with 15 U.S. Code 1692g, I hold the right to request validation of the debt, including any fees, and who the original party that is making the claim. I would like negative information deleted from my file immediately. Please see attachments.