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

Texas repossession laws state the vehicle can not be sold within 10 days, the car was taken on XX/XX/XXXX in the middle of the night on a holiday weekend when calls couldn't be made to make a payment and when account was removed from the app, taken from repo lot on XX/XX/XXXX, sold on XX/XX/XXXX all without a notice of intent provided. I was told it was sent on through certified mail on XX/XX/XXXX, XXXX is XX/XX/XXXX and I still have not received anything. The Deficiency and surplus letter were not provided to be after the sale, and I was told on XX/XX/XXXX it was mailed out through certified mail on XX/XX/XXXX. Again, I have not received either of the two and I called and stated that on a recorded line. They would have confirmation that I received it through tracking, or it gets returned to sender according to the post office. The vehicle sold for XXXX and that amount was applied on XXXX, leaving a remainder of XXXX. Why was I asked to pay XXXX in full by the XXXX XXXX XXXX XXXX XXXX  to receive my car. XXXX XXXX XXXX, silver, last XXXX of XXXX # XXXX. I was only offered one solution by the charge off department, and that was to do a sales hold of XXXX, XXXX dollars, a max of two times. That was only offered after it was at the auction and that just prolongs the hold. I believe there was never an attempt to collect past due, they cut corners to get the car back. I have documentation from the credit bureaus stating the max past due reported was 90 days. If they do not report correctly, how I am to trust this? The XXXX XXXX XXXX  doesn't state this, and I spoke with XXXX XXXX, Agency Compliance specialist at XXXX on a recorded line on XX/XX/XXXX at XXXX am, she stated the account was charged off at XXXX XXXX on XX/XX/XXXX due to being 126 days past due, then I was told Text and emails are a courtesy, and a phone call is the most accurate way to communicate. The app is where customers pay, and should have the most up to date, real time info, unless they are trying to hide something. This has impacted my family greatly ; I am unable to get to and from work without my vehicle and obtaining a vehicle with the false information on my credit is hindering me from getting another vehicle. They keep reporting on this account even though it was charged off on XX/XX/XXXX. I made a complaint earlier last month and they attempted to update the info but it's still incorrect.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX XXXX account # XXXX XXXX and XXXX account # XXXX XXXX has violated my rights.

15 USC 1681 SECTION 602 STATES I HAVE THE RIGHT TO PRIVACY.

15 USC 1681 SECTION 604 A SECTION ( 2 ) : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

15 USC 1666B : A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD ACCOUNT UNDER AN OPEN END CONSUMER CREDIT PLAN AS LATE FOR AND PURPOSE.
Product: Debt collection

I paid the debt in full to Attorney XXXX. 
However, American Adjustment Bureau emailed me that it would be removed from the credit bureaus. 
Now I am advised that they refuse to remove it.
Product: Debt collection

The debt is XXXX years old. Its my understanding that they should stop at 7years. They keep sending notices.
Product: Checking or savings account

I have Spoken to XXXX, XXXX, XXXX all at bank of America about my account being closed was never notified and they will not release my money. I let them know i needed either a letter to provide to my landlord about them holding my money or i need it to be released so my children and i are not evicted. They were very rude and unable to assist me with my matters. I let them know i was going to report them to banking commission and that didn't matter to them. I desperately need some assistance on getting my money from the account they closed. {$1300.00} is what is in my account. I can be contacted via email. XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I refreshed my 3 credit scores and it came back with no score for Equifax stating XXXXNo Indicator on file '' and all of my history was gone! no accounts listed or anything just a blank report like I didn't exist or anything. I attempted to Call Equifax customer care team and they do not know what I'm trying to explain. I don't have access to my current score as it has since disappeared into thin air. I then attempted to get my Equifax report/score through different credit apps like XXXX and XXXX and I still did not receive a credit score or report back from Equifax. Either my credit file has some glitch or it has been mixed/split up. I can't get anyone at Equifax to help me with this issue and its been a huge stress to my life. Please recover my score and report!!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
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 XXXX and TransUnion credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and removed : XXXX XXXX XXXX Date Opened : XX/XX/2017 Balance : {$0.00}
Product: Debt collection

Credence Resources Management, LLC attempted to collect for XXXX the amount of {$140.00} XX/XX/XXXX. I stated that I did not own that amount and we agreed that I pay {$88.00}. On XXXX XXXX, XXXX, I sent a cashiers check for {$88.00}. 
On XXXX XXXX, XXXX, I received a check from Credence Resource Management, LLC for {$88.00} made payable to my company, XXXX XXXX XXXX. I called and spoke to a supervisor who told they did not know what the check was for. To this date, I have not got a resolution on this matter. I have returned the check to Credence Management, LLC.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 FOLLOWING INQUIRIES ARE UNAUTHORIZED-FRAUDULENT INQUIRIES THAT NEED TO BE REMOVED. 

XXXX XXXX XXXX XXXX XXXX XXXX THE OTHER ISSUE IS MY CURRENT ADDRESS SHOULD BE : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX EMPLOYMENT SHOULD BE DELETED PLEASE UPDATE IMMEDIATELY
Product: Credit reporting, credit repair services, or other personal consumer reports

Company received my request to opt out and delete any and all information this company may have on file for me. I did NOT give them consent/permission to create a file and/or supply any information to any other company. 

The company received my request XX/XX/22 ( return receipt confirmed usps # XXXX ), but I have not received a confirmation letter stating my demand to be completed. It is currently past the 30 day period for them to do so
Product: Credit reporting or other personal consumer reports

i checked my credit report and i don't recognize the things listed on the report i was also in packed by the date Brach so can the list below please be removed from my report account with regional acceptance crop XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

I paid my company XXXX XXXX XXXX XXXX for an electrical service done at my personal residence. This transaction was for {$230.00} and took place on the Venmo App using the " tap pay '' feature on XX/XX/. Not long after the transaction took place, Venmo suspended/froze my Venmo account. ( Personal and Business ) After getting my accounts restored, the transaction was still in pending status and not accessible. I made the Venmo team aware that my personal account was charged and the amount of {$230.00} was taken out for this transaction, but they insisted that the transaction was denied by the Venmo system and that I should dispute it with the senders bank. I then did as they advised me to and filed a dispute with sending bank account. ( XXXX ) XXXX conducted their investigation and denied my dispute and confirmed to me that the transaction in fact was completed and the account was charged {$230.00}. 
I then contacted Venmo Support once again and provided the results of XXXX  investigation, along with bank statements and the physical card number that was used for the transaction. Venmo replied informing me they can't help me with the issue. 

The transaction still shows in my Venmo Business account as " pending ''
Product: Credit reporting, credit repair services, or other personal consumer reports

After spending hours on the phone with Transunion, I am still currently unable to access my credit report online either through the Transunion main site, the XXXX XXXX Credit Monitoring Site, or through XXXX XXXX XXXX XXXX. As an XXXX XXXX XXXX XXXX, I created an account with the XXXX XXXX credit monitoring site of Transunion, but this page has not worked for the past week and I called to report that it wasn't working. While reporting this, I also reported that I was not able to request my credit reports with Transunion through any of their sites. After numerous calls and several transfers to different departments, I was instructed to pay for Transunion 's credit monitoring service. I informed the representative that as an XXXX XXXX XXXX XXXX XXXX XXXX, it is a federal law that I receive free credit monitoring service. Despite informing the representative of this, she continued to insist that I pay or completely delete my online account and create a new one. None of these solutions made any sense and did not seem an adequate solution to solve the problem, so I asked to speak to a supervisor. Once I was placed on hold with the supervisor, he said he was going to check my " file '' and speak to me in a moment. After being on hold for about 10 minutes, he disconnected the line. When I called back another representative ran me through a couple of steps as we tried to fix the issue, but nothing worked. He placed me on hold again to talk to a supervisor and they once again hung up on me. I was told that there was nothing wrong with my credit file minus a recent address update, so there was no reason why I am not being granted access to my file. Each representative seemed baffled by the issue and unable to assist in any way. After hours of back and forth, I was hung up on yet again with no solution. As an XXXX XXXX XXXX XXXX and a recent victim of identity theft, I would like to have access to view my credit report to monitor for identity related issues.
Product: Credit reporting or other personal consumer reports

I've checked my XXXX credit report and XXXX Continental finance credit card balance has not been updated. Balance should reflect {$180.00} Please have this updated as this is critical to my credit utilization.
Product: Prepaid card

I have XXXX giftcards from American Express that keep getting declined online and instore eventhough they have balances. It has been impossible to use them.
Product: Student loan

I consolidated my loans through Sallie Mae/Navient. When I stopped working, rather than guiding me to a payment plan that would help me continue making payments, Navient guided me towards a deferment program. The balance of my student loans has almost tripled. 

In addition, Navient, when I started working again, based income-based payments on both my income and my husbands even though he was never responsible for these loans. 

These two factors are causing a significant hardship. Navient has refused to deal with this.
Product: Payday loan, title loan, or personal loan

I tried approximately 20 different times to get in contact with " SELF '' Numerous Failed Log in Attempts on their website, via Numerous Phone calls ( up to 1 hour on hold multiple times ) Several Emails, Several Attempts to " CHAT '' with their representative on line and I was unable to contact them. I was trying to update my credit card on file to make a payment ON TIME because my other card ( that was set up on my " SELF AUTO PAY '' ) had been lost or stolen. I had tried to update this cared WELL BEFORE THE PAYMENT WAS DUE, OR WOULD BECOME LATE. 

The fact is they reported a 30 day late payment on my credit history ( meanwhile they are supposed to be a " Credit Building Institution '' ) That is what they advertise themselves as. Now my credit has dropped by about XXXX Points on average on all three bureaus as the result of this FRAUDULENTLY REPORTED LATE PAYMENT! 

I was finally able to get through to a " Self Representative '' about a month ago, ( after the late fee had evidently been posted on my credit report ) and explained the situation in detail to one of their representatives on the phone. He explained to me there was nothing he could do about it. I have since then tried to get in touch with a " Supervisor '' at " SELF '' via numerous phone calls and have been promised " a return phone call within 1 -2 business days '', 3 different times now, but they never call back. 

THIS 30 DAY LATE IS NOT A FAIR OR TRUE REPRESENTATION OF MY CREDIT, OR MY PAYMENT HISTORY, AS THE SELF WEBSITE WAS DIS-FUNCTIONAL AND SO WAS THERE " CUSTOMER SERVICE ''. I MADE EVERY ATTEMPT WITHIN MY ABILITY TO MAKE THE PAYENT ON TIME, BUT IT WAS NOT POSSIBLE DUE TO THEIR NEGLIGENCE.
Product: Money transfer, virtual currency, or money service

USAA XXXX XXXX XXXX. 
XXXX XXXX, TX XXXX Tel : XXXX ( XXXX ) Sir/Madam, I am writing to you to raise your awareness regarding an issue that I had lately with my funds which have been transferred to some fraudulent and illegal destination known under the name XXXX and I lost a total amount of : XXXX USD The details of transactions : XX/XX/2022 XXXX USD XX/XX/2022 XXXX USD XX/XX/2022 XXXX USD
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize these inquiries that is showing up on my credit report. These inquiries are fraudulent. 

TRANSUNION : XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX  ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX )
Product: Credit reporting or other personal consumer reports

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XX/XX/year>
Product: Debt collection

as allowed under the Fair Debt Collection Practices Act ( FDCPA ), I  am requesting that you allow me to validate the alleged debt. I am aware that there is a debt from [ XXXX XXXX ], but I am unaware of the amount due and your bill does not include a breakdown of any fees. 
Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I do not recall giving permission to [ XXXX XXXX XXXX XXXX XXXX ] for them to release my medical information to a third party. I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Experian XXXX Account # : XXXX XXXX XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy. 
15 U.S.C 1681 SIction 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

I have XXXX 30 day late on my credit from a XXXX XXXX credit card that I've had in my name for over 8 years. This allegedly occurred in XX/XX/2022, while the world was in the midst of the pandemic. I was never notified of this late and to my knowledge have always paid my credit card on time. Over the last XXXX months, I've tried all the normal avenues to get this incorrect payment reporting rectified. I've called XXXX XXXX probably XXXX to XXXX times and repeatedly was assured they would correct the XXXX late reporting. On multiple occasions, they told me that the reporting was corrected and to just wait for the next credit bureau reporting cycle, which can take 30 days. I've waited twice for that to happen and still nothing has been fixed. I've also reached out to the credit bureaus a handful of times and filed countless disputes to no avail. I'm simply trying to get this XXXX incorrect XXXX late payments ( from XX/XX/2022 ) removed from my credit. I'm currently pregnant and this incorrect information from XXXX XXXX is causing me undue stress during my XXXX, not to mention completely delaying me from obtaining a necessary loan for almost a year. I've experienced stress that has both directly impacted my XXXX and my financial situation and I just want XXXX XXXX to correct this.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX  debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 002.142 ( b ) ( 4 ) -5 -- 1002.42 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I listed accounts to be blocked and deleted company information Transunion. Please delete the following account -- -- XXXX. XXXX XXXX XXXX XXXX Account XXXX XXXX. XXXX XXXX Account XXXX XXXX. XXXX XXXX XXXX XXXX Account XXXX XXXX. XXXX XXXX Account NumberXXXX XXXX  XXXX XXXX XXXX Account XXXX
Product: Credit reporting

XXXX XXXX is claiming they bought account ( Account # XXXX ) with a balance of {$1100.00} belonging to me from XXXX XXXX XXXX ( Account # XXXX ). I have no knowledge about so, I ask disputed on Experian website for XXXX XXXX to provide me the necessary information that show that account was open by me. They have failed to provide any documentation rather asking me to call them so I settle this account with them.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been led to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of an auto loan account opened at under the XXXX XXXX on XX/XX/year> under the account number ( private ). I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned account appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT PER THEIR WEBSITE!

I have disputed these fraudulent inquiries multiple times with Equifax and they kept ignoring my request. So i'm filing a complaint against their company as they are not taking my credit seriously and this is affecting my credit worthiness. Again I recently reviewed my credit report and noticed several unauthorized inquiries. Please remove these immediately as they do not belong on my report, and they are affecting my quality of life. I am being denied because of these excessive UNAUTHORIZED inquiries and they need to be removed immediately.
Product: Debt collection

XXXX started sending me a bill for an account that is not mine. I do not have XXXX. I have XXXX XXXX and XXXX XXXX XXXX. No landline. XXXX failed to produce any proof that this account is valid and not fraudulent. I contacted XXXX four times and they obviously ignored me. 
XXXX Account no. XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing this account for months, late payments are illegal, I have been stressing this factual law with XXXX. They have been in violation. In exhibit " A '' XXXX have been sending this response to me when I am the natural person. I was clear with what I wanted. In exhibit " B '', I disputed this account and XXXX keep responding with Exhibit " A. I am tired of the run around and the back and forth and the violation of my federal rights. I filed a case with the Attorney General of New York State. XXXX also violated my right to privacy as pursuant to 15 USC 6802.