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

i have written XXXX XXXX, XXXX, and experian to investigate this account and that it is reporting 100 % accurate and factual... ..each time they write back and say that it is verified as accurate,,, ,how is this so? they did not investigate this account as look at the inaccurate reporting on my credit report that i have attached ... ..it says that it is an open account and it also says that it is a charge off ... how is that possible? it can not be both... .one is reporting 0 months in terms and the other is reporting 0 ... .the comments are way different between bureaus ... ... ..the date of last active are different between bureaus ... ..account type detail is are different between bureaus ... .they are just pencil whipping this and not conducting proper in investigations ... this is just what i see with my untrained eye ... if they are investigating this as they should be they should be catching this right away with their trained professional eyes.
Product: Checking or savings account

They wouldn't go back to at least the first of XXXX to reimburse me. Didn't do their job professionally and protect my money. 
There security didn't check for someone taking my money out of my checking account like other institutions have done for me and admitted that nothing came up for them to do so until this happened now they froze my new account for a XXXX dollar transaction because they won't admit their security didn't protect my money
Product: Credit reporting or other personal consumer reports

I received a response from Comenity Bank XXXX regarding CFPB Complaint # XXXX their letter appears under this complaint thread. 
They mention they committed no FRAUD when they violated my right to privacy when they failed to give me NOTICE that I have a right to opt out or opt into credit reporting and proceeded to illegally transport my NON PUBLIC PERSONAL INFORMATION without my consent or some form of instructions from me. They are using the word FRAUD to describe the situation. They seem to ignore the fact that my dispute is based solely upon their reporting this tradeline in the first place without giving me NOTICE or getting my permission, and now they refuse to remove the charge off information that they report The letter is dated XX/XX/2023. I suggest they read Title 15 USC 6802 The Gramm Leach Billey Act that they KNOW or should have KNOWN that they are violating and that their letter is proof that they do not care about the privacy of federally protected consumers like myself. 
This is a violation of my privacy and they failed to in anyway address the fact that I am disputing because they are the source reporting this charge off because I received no notice regarding my right to opt out or opt into credit reporting and gave them no PERMISSION to report this alledged tradeline in the first place. I plead with the CFPB to investigate your company if you don't remove this item immediately.
Product: Credit reporting or other personal consumer reports

Per my last complaint sent through the CFPB we are homeless and our home located at XXXX XXXX XXXX XXXX, XXXX Ga XXXX had excessive fraud our names were forged and over 20 loans were taken out on the home, The XXXX XXXX XXXX XXXX XXXX and other judges were involved with XXXX XXXX XXXX. and stole our home and allowed persons from XXXX to just take the home. There was no Perfection of Service. This part was even fraudulent. 

WE WANT IMMEDIATE CLARIFICATION REGARDING THE FOLLOWING : XXXX, WHO WAS THE DEBT HOLDER DURING THE LIFE OF THE FRAUD LOAN? 
XXXX WHO WAS THE TRUSTEE OF THE ACCOUNT FROM WHICH THE LOANS WERE TAKEN FROM? 

XXXXXXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Have been getting multiple ( 3 or more ) calls a day, every day for the last 60 days. They are bypassing the DO-NOT-DISTURB setting on my phone and filling my voice-mail. They are disturbing me while I am working and I can not keep my voice-mail open and available for important calls from my son 's school and doctor.
Product: Debt collection

I found out I am being sued because I have been receiving advertisement by law firms stating that I am being sued by a company called DNF Associates llc I have contacted them and was referred to another company and phone number where no one answers I have faxed them called them, and emailed them and to date I do not know who is suing me, or why. No one has informed me, or never contacted me as to who they are, and what the debt is for or how much is owed. I believe prior to submitting a lawsuit against me I had the right to know what the debt is for how much, and if the debt is mine try to make a payment arrangement. What they have done is unfair, and the only way I was able to find out about it is through advertisement The phone number I keep trying to call the one listed on their lawsuit is XXXX, and there is never an answer
Product: Vehicle loan or lease

I was involved in a car accident on XX/XX/2022 in which my car was declared a total loss by my insurance company XXXX. My claim adjustor from XXXX has been trying to contact truist bank 's total loss department since Wednesday XX/XX/2022 and he continues to be sent to voicemail. He has left several messages and no one from this department has called him back. He asked me to call as well and I have also called and left numerous messages and I have yet to receive a call back. Yesterday XX/XX/2022, we called Truist bank 's XXXX loan customer service department together on the same line and spoke to a representative. He asked her for assistance in resolving this matter, such as a letter of guarantee which is needed and she said " I can't assist with that, only the total loss department can assist you ''. We advised her that we both have been calling the total loss department ( phone number XXXX ), since Wednesday with no response and she said, " You just have to keep calling and eventually someone will answer ''. We advised her that this was very unprofessional, but she continued to advise us there was nothing she could do on her end since only the total loss department handles the letter of guarantee. She transferred us once again to the total loss department in which we were sent to voicemail and he left another message detailing the purpose of his call with his name and phone number and my account number and stated for someone to please call him back. Progressive insurance is ready to pay off the car, but Truist has not been of any assistance with this matter. I am left without a vehicle and I will now have to make another car payment on XX/XX/2022 which is the due date for a car I no longer have, because we haven't been able to contact the total loss department. XXXX will not pay the full amount, therefore once they pay their portion, I have to file a claim with my gap insurance so that they can pay the remaining portion. I have not been able to resolve anything with Truist bank. I am currently renting a car from XXXX which I will have to pay from my own money starting Monday XX/XX/2022 since my insurance will not cover me after that.
Product: Credit reporting or other personal consumer reports

About a month ago I had disputed ( 2 ) hard inquiries that were reporting on my Transunion account. Transunion had deleted those accounts accordingly. Now, one of those 2 deleted accounts has reappeared on my account. I have absolutely No connection with this company, no liabilities, debts, etc. 
I demand that Transunion delete the following account immediately! 
XXXX Inquiry XXXX XXXX, 2023 XXXX XXXX XXXX XXXX XXXX, SD ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I ( XXXX XXXX XXXX was involved in a XXXX case along with my girlfriend ( XXXX XXXX ) and we were both sent to XXXX XXXX by XXXX, she was a representative for the XXXX XXXX XXXX XXXX XXXX XXXX and who we were ex clients of. We were sent to XXXX XXXX for treatment for our injuries. XXXX had stated that we won't have to pay for any bills whether it was a win or loss case. After the case was over, we both were getting bills from XXXX XXXX sent to our mailing addresses. I notified XXXX about the bills and she said not to worry about them, she wanted me to take pictures of the bills and send them to her because she stated that she will handle it. As time passes by, we checked our credit scores and we been wrongfully sent to collections when we were not at fault nor responsible. I contacted XXXX about the collections, she has been little to no help what so ever. We both filed and submitted a dispute late XXXX with XXXX and Equifax with mixed results. XXXX removed the collections from my credit score account on XX/XX/XXXX however, Equifax has not when it is the same dispute. I filed a dispute XXXX times with Equifax and yet, results come back the same that it is accurate and that I am liable for the collections. I do not understand why XXXX removed the collections from my credit account within a week but not Equifax. I have screenshots of text messages with XXXX for supporting evidence to back up my complaint. Side note ; on XX/XX/XXXX, I spoke with XXXX XXXX XXXX himself and he said that he will be of assistance and write a letter stating that we are not at fault and shouldn't have been sent to collections. My XXXX XXXX is also having similar problems but she will submit her own complaint.
Product: Credit reporting or other personal consumer reports

I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : Collection/Charge Off : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy XXXX  XXXX Bankruptcy XX/XX/XXXX XXXX Court U.S. Bankruptcy Court XXXX  XXXX Bankruptcy XX/XX/XXXX XXXX Court US BKPT CT XXXX XXXX Late Payment : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inquiries : XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi On XX/XX/XXXX I refinance my car loan, I called the company and requested the 10 day payoff. Received the check and sent to the company to payoff the car loan XX/XX/XXXX. On or about, XX/XX/XXXX. I pulled up the account and noticed an amount still due. I was told at that time my payment was postmarked and received on XX/XX/XXXX, but not posted to my account until XX/XX/XXXX, and the payoff amount was now not only past the 10 day amount, but the amount given was incorrect. I advised them at this point that I was disputing the amount as I felt it was unfair, that I was given the wrong amount and also the payment was posted late. Which if it posted on the XXXX I am not sure why that was considered late. I advised the representative until the issue was resolved I did not want any late payment submitted to the credit bureau and followed up with a letter to their presidents office. In reviewing my account they have reported the balance of XXXX as a late payment to the credit bureau. I was contacted today by one of their representatives that said they had every right to report the amount as they deemed the amount as valid. I am not sure, but I believe when there is a disputed amount they are unable to report as late until the matter was resolved and I had a chance to make payment. I asked that they send me a copy of their policy and a letter stating that once I made payment they would clear any erroneous information from my file. The representative advised I would need to submit another letter to have the information removed and they would not guarantee the removal or provide me a copy of their policy. Is this legal???
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Transunion on XX/XX/18 to dispute inaccuracies in my credit file. The Transunion rep kept asking me to buy their monthly monitoring service for {$19.00} a month. I declined but the rep continued to hard sell their credit monitoring services to me instead of helping me dispute inaccuracies in my credit file. The Transunion rep also stated that people that pay for their monthly monitoring service have less inaccuracies in their credit file because of their monitoring service. I declined and the rep hung up in my face instead of allowing me to dispute the inaccuracies in my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTHING ACT. THE LIST OF ACCOUNTS BELOW HAS VIOLATED MY FEDERALLY PROTECTED CONSUMER RIGHTS TO PRIVACY AND CONFIDENTIALITY UNDER 15 USC 1681. 

A # NAME XXXX XXXX  XXXX # NUMBER XXXX ACCOUNT # NAME XXXX  XXXX XXXX ACCOUNT # NUMBER XXXX ACCOUNT # NAME XXXX XXXX XXXX ACCOUNT # NUMBER XXXX HAS VIOLATED MY RIGHTS 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15U.S.C 1681 SECTION 604 A SCTION 2 IT ALSO STATES ACONSUMER REPORTING AGENCY XXXX XXXX FURNISH A ACCOUNT WIYHOUT MY WRITTEN INSTRUCTIONS 15 U.S.C 1681c. ( a ) ( 5 ) SECTION STATES : NO CONSUMER REPORTING AGENCY MAY MAKE ANY CONSUMER REPORT CONTAINING ANY OF THE FOLLOWING ITEMS OF INFORMATION ANY OTHER ADVERSE ITEM OF INFORM ATION, OTHER THAN RECORDS OF CONVICTIONS WHICH ANTEDATES THE REPORT BY MORE THAN SEVEN YEARS. 15 U.S.C 1681s -2 ( A ) ( 1 ) A PERSON SHALL NOT FURNISH ANY INFORMATION RELATING TO ANY CONSUMER REPORTING AGENCY IF THE
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried multiple times to pull my credit report with multiple different company 's. I have tried to pull my credit report with XXXX XXXX and was receiving dashes for all of the information. I reached out to the three credit bureaus and they stated all of my information was correct. I waited about a week and tried to pull my report through XXXX XXXX again. Now it was reporting information but said it was last updated XX/XX/2018. I reached out to the three credit bureaus again and they stated all of my information is correct I should not have an issue. I waited another week and tried through XXXX   XXXX again and I had a XXXX score with Equifax but showed I have no credit history. XXXX was showing dahes. I had no score with XXXX. I reached out to all three of the credit bureaus again and they stated they have my social and all of my correct information but XXXX XXXX still is not showing me having any credit at all. I have tried to pull my credit report with all three credit bureaus through XXXX XXXX and received an error stating my social was not correct. I contact all three credit bureaus and they stated that my social is correct. I tried XXXX XXXX XXXX more times and was still not able to get any information. Also, I have tried pulling my report through XXXX   and was able to access my report for Equifax and XXXX but it shows I have no credit at all. XXXX would not let me even access my report. I have done contacted each of the bureaus 6 times and still have no information reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

The items listed below are reported on my credit file and were found in my reports with XXXX credit reporting agencies. These items 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 regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I am writing because I am try to express my concerns regarding Zelles handling of disputes, in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these funds are unfeasible l. The CFPB finding indicates that Zelle has not only neglected to protect consumers but have allowed repeat offenders to exploit the system leaving us users vulnerable to scams. The lack of accountability is unacceptable and has raised serious concerns about consumers safety.
Product: Credit card or prepaid card

I Purchased a Printer from XXXX XXXX Via Online on XXXX PAID by WELLS FARGO XXXX Credit CARD was Completely PAID. And I received Est. XX/XX/2021 only Printer Fallowing few days Later. Received a XXXX XXXX. So I arrange a Technician to Come to my HOME office to Install for me. I was Excited with my NEW XXXX XXXXXXXX. 
Tech he did Fallowed Step by Step instruction to hock-up with Power / Computer . Before Test Print. he did assure all the Cartridges are in Place. So he Powered the Printer. First thing we heard is a High pitch Noise. And Printer did not Complete it's. Functions to Complete the it Process. So he Discover Opening the Printer Cartridge Door. One of Cartridge BLUE was Not Ejecting as it Suppose to.

I immidetly Call XXXX. XXXX XXXX XXXX number. Un-Lucy to get Connect a tecnical Support. HOLDING 20-30 Minutes. 
So I jump to XXXX. Returns Site and found out it's not that XXXX to obtain XXXX from XXXX. FIRST, We have XXXX XXXX XXXX once it submit XXXX. will Review Case by Case to authorize a XXXX. And this Process could take weeks. 
It Means just Because XXXX shipped XXXX XXXX. I have Snuffer NO Printer, NO MONEY. Wells Fargo Visa. STOP letting it Customer to File online Dispute. You are SCREWED.
Product: Checking or savings account

I try to use the ATM machine and I tried to withdraw XXXX $ and XXXX because the machine goes by XXXX and it went through but no funds came out it did not give me nothing
Product: Debt collection

Have asked multiple times to contact only via XXXX as well as provide written verification of debt
Product: Student loan

XX/XX/XXXX - Called Aidvantage to request a refund of {$20000.00} since I paid loans off during covid ( post XX/XX/XXXX ) per cares act. 

XX/XX/XXXX - Called again to make sure refund request was put in. They said it requested. ( Hearing and seeing people who requested refund but they didn't put in request. ) XX/XX/XXXX - Called again to see where refund request was at and wondering why Aidvantage didn't update refund only when it's been XXXX weeks since request. They said it was approved but was sitting for manager request to send out to Department of Education. They said it'll be up to XXXX weeks before it updated. 

XXXX - XXXX week mark, but I didn't call yet. Refund nor payment was reflected on Aidvantage sight or studentaid.gov.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi Transunion has a 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 710. transunion has me at a score around 592. That is a huge difference. transunion 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 transunion 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 Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n 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 Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.
Product: Debt collection

There is a debt collection in my name for {$6700.00} and opened XX/XX/2020. This is not my account.