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

On XX/XX/XXXX ( today ) I spoke to a supervisor at Trans Union. The supervisors name was XXXX, who proceeded to disclose to me that the reason why the XXXX XXXX delinquent report ( XXXX of late payments ) has not been deleted is because XXXX XXXX  has not reported to the bureaus ( XXXX, XXXX and Transunion ) to XXXX it XXXX Even though its been XXXX  years, and that delinquent type report should have been deleted already. 
XXXX the supervisor told me he would reach out to XXXX XXXX of deleting it, but I had my doubts since I have been requesting that they remove this XXXX  months ago, as you know from the initial report and they still havent removed it. 
So XXXX I spoke to XXXX a supervisor at XXXX XXXX and she proceeded to tell me in order to remove this delinquent type report, I need to send a letter to their private credit bureau that handles these reports. 
I asked XXXX XXXX, why they cant remove it, because it should have been removed several months ago, why should I have to write an actual letter? 
She couldnt give me an answer. I also asked them why is it quick for them to report a missed payment, but it takes XXXX  days to remove a report that should have been removed months ago? No answer. 
I also asked the supervisor of XXXX XXXX has Trans Union and XXXX and XXXX reached out in trying to remove the report that Ive been complaining about? She said I can not answer that. 
Im blown away that a financial institution ( XXXX  XXXX ) is able to get away with this. Its in fact against the law to have a report such as this for more than XXXX  years. 
Heres what is so outrageous about this whole situation. These credit bureaus have a legal responsibility to keep an eye on how long the reports are on there end and when they should be removed. Based on what I have seen so far with all three credit bureaus is, they are not keeping an eye on their data. And it seems to me that all three of these credit bureaus, including some of these financial institutions do not seem to care about the consumer. Which negatively impacts vantage XXXX score which XXXX XXXX works along with. And negatively impacts the scores with all three credit bureaus due capital ones negligence. 
Due to this issue, it has interfered with me not being able to proceed with handling business. I am unable to purchase a vehicle and get a personal loan due to their negligence. 
Heres whats mind blowing, we are in XXXX  and yet the only way to reach out to this XXXX bureau of XXXX  XXXX in XXXX XXXX XXXX is by mail? Is this a joke? Unacceptable and messy!
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform credit bureaus that the following companies made unauthorized inquiries on my credit report. I have listed the names of the companies below, and the dates the inquiries were made. 
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
Product: Credit reporting, credit repair services, or other personal consumer reports

I am noticing inaccurate information on my consumer credit report regarding XXXX XXXX. XXXX is reporting the account as OPEN with a {$910.00} balance. In the remarks section XXXX is reporting Consumer disputes-reinvestigation in progress with 30-59 days late. I have not received any written notification of this investigation. 
TransUnion is reporting XXXX XXXX  as CLOSED with a {$1000.00} balance. In the remarks section TransUnion is reporting Canceled by credit grantor with 120-149 days late. 
XXXX is reporting XXXX XXXX  as CLOSED for {$1000.00} balance. In the remarks section XXXX is reporting Account closed at credit grantors request with 150 days past due. 
Consumer reporting agencies have a duty to follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual while being fair and equitable to the consumer and shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. Act Name : XXXX XXXX, Act Name : XXXX  XXXX, Act Name : XXXX XXXX XXXX XXXX, Act Name : XXXX XXXX, Hard Inquiries : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX  15 USC 1681 section 602 A, 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 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 items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years. 15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom it May Concern, I am sure you are well aware of the legal actions taken against XXXX XXXX XXXX in regards to their poor financing and reporting practices. I have obtained a copy of the Final Consent of Judgement against XXXX from the State of Pennsylvania ( where I purchased this vehicle ) and have had it reviewed and provided a copy for your records. 
My prior car loan with XXXX XXXX XXXX XXXX ( XXXX ) was opened XX/XX/XXXX and there for falls into the dates included in the judgement which are XX/XX/XXXX, XXXX XX/XX/XXXX. All orders of this judgement are dated effective as of XX/XX/XXXX. 
Section 16 of the judgement states " XXXX agrees to provide notice to each CRA to which XXXX reports, requesting deletion of the trade lines associated with the account for all Deficiency Relief Consumers and for the Consumers who receive relief pursuant to Paragraph 11 '' Since this account has deficiency reporting, it meets the requirements under this judgement and it is to be removed from my credit file immediately. I have submitted multiple disputes to the ALL 3 major credit bureaus ( XXXX, Transunion, and XXXX ) regarding removing this account from my credit report and each time it comes back as the information is validated as accurate, however that is 100 % incorrect as it should been removed because of this judgement.
Product: Credit reporting or other personal consumer reports

This is my second request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 
XXXX XXXX XXXX XXXX  XXXX XXXX, KY XXXX ; XXXX XXXX XXXX  XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX ; XXXX XXXX XXXX  XXXX XXXX XXXX, KY XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXXXXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX  XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXX XXXX : {$5600.00} ; XXXX  - XXXX XXXX XXXX  Balance : {$800.00} ; XXXX XXXX XXXX XXXX : {$650.00} ; XXXX XXXX XXXX XXXX XXXX Creditor Name : XXXX XXXX XXXX XXXX ) XXXX Balance : {$4500.00} ; XXXX XXXX, I ( Original Creditor Name : XXXX  XXXX XXXX XXXX Balance : {$57.00} ; XXXX XXXX XXXX ( Original Creditor Name : XXXX XXXX ) XXXX  Balance : {$720.00}.
Product: Bank account or service

Wellsfargo flagged my account and took money from my account to cover a transfer that has been authorized by the owner of that account. My case and account has been handled very poorly. They overdrafted my account and I do not have overdraft protection on my account. Which reminds me, every 6 months i have had to call up wellsfargo and remove overdraft protection services because it keeps getting putting back on my account. Ive gone online to remove the service and ive had to call to remove the service 3 times. They collected on fees and charges they were not supposed to take and i have never been refunded those amounts. One time i got them to remove an overdraft that was never authorized and they said oh well we can only do this one time ... as if they were doing me a favor. Now they have my account on hold which again overdrafted me XXXX. They said it was to cover the suspicious transfer made to my account. Now they are making so XXXX difficult to get that overdraft off my account and give me back my money that was just deposited into my account for my car payment. Wellsfargo used that money to cover their overdraft they put on my account. I have done everything to settle this and so has the other person who transfered into my account. Theyve already spoke to that person and he authorized his payment to me. I want to close my account with wellsfargo but i want my money back that they took to cover an overdraft that wasnt supposed to be there in the first place.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, Experian investigated my disputed item posted by XXXX XXXX XXXX and allowed XXXX XXXX XXXX to incorrectly update the account as an unpaid charge off on XX/XX/XXXX. Both XXXX XXXX XXXX and Experian knew that XXXX XXXX XXXX sold the debt to new creditor XXXX XXXX XXXX in the year of XX/XX/XXXX and that I paid the debt in full to the new creditor on XX/XX/XXXX. I have supplied both XXXX XXXX XXXX and Experian with the documentation ( attached here ) from XXXX XXXX XXXX that I paid the debt previously owned by XXXX XXXX XXXX in full on XX/XX/XXXX.
Product: Student loan

Fedloan took over servicing for all my federal loans. They consolidated then and now I am asking for a due date change and they refuse. They will not work with me. I want to pay but they refuse to do anything to even help me. Shaday the customer service rep was very rude and talked over me. I asked for a supervisor. I wasn then transferred to XXXX who explained that they will not change the due date from an ICBR payment plan. While I was not advised of this, nor did I know I was locked in a forced to stay with that due date until today. When I had called on XX/XX/2017 the agent I spoke to incorrectly told me information in which Fedloan will not honor. They have a nasty habit of telling me wrong information, which then hurts my credit and hurts my payment history. I have worked hard to stay in communication with this lender but they will not work with you, they will not help you. The answer I always get is pretty much " Tough '' while their website is littered with saying to call in if you are having trouble making payments, or need to change due date. When I filed the ICBR there was NOTHING in any fine print, nor was it ever mentioned in conversations with Fedloan I was locked into that due date. I am now getting constant letters and calls, I am not able to EVER see up to date information because of their computer system. I made a payment on XX/XX/2017, the payment cleared my bank this morning at XXXX on XX/XX/2017, yet Fed loan wo n't show a posted payment until at least XX/XX/2017 making this reflect an additional several days late to my payment. The payments in the past made on Friday would be honored on that date even if it had clearned on the Monday after the weekend. I feel Fedloan is playings, inconsistant and unwilling to even work with borrowers. I can never ever get the same answer twice from them. It 's not right and it is morally and ethically wrong of Fedloan to operate in this manner. Countless student loan lender problems and NOTHING has been changed. NOTHING done at all to help just more frustration from Fedloan every day when I just want to make my payments on time. I was told I owe them XXXX bucks but my account shows pending payment still even though my bank statements CLEARLY show in black and white the payment was made, recieved and cleared and yet I am still 4 days late according to Fed loan. Why is this happening? Why am I denied current access to real time information of my accounts? I will never ever be able to pay off my student loans if they refuse to even compromise when I am begging them to take my payments on a date I know I wo n't be late! Why would any company turn down a customers money?
Product: Money transfer, virtual currency, or money service

My XXXX XXXX used my bank account info to pay a {$4100.00} debt. This was fraud and has effected me greatly, in multiple aspects. My bank tried to retrieve the money the next day, but the bank it was wired to responded that the funds were not available. My XXXX XXXX  is being held liable legally, but I desperately need my money back. I am a XXXX  father of XXXX. I know I am not on the account, but she has also reached out on my behalf, and has promised to pay the original debt in full if I can be returned my money. This was fraud and she was not an authorized user on my account. My bank account is now securely locked and all passwords changed. I really really need these funds returned.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within at least 4 days of you receiving this complaint. The fraudulent, inaccurate, and false information of a personal credit card account opened at XXXX on XX/XX/XXXX, an auto loan account opened at XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ), a personal loan account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ), XXXX XXXX XX/XX/XXXX account number ( XXXX ). These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) 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 card

Name : Discover Credit Operations Team Address : XXXX XXXX XXXX XXXX DE XXXX Phone : XXXX Reference Number : XXXX I, the consumer and natural person, was denied credit by Discover Credit Operations Team when I applied for a insert whatever you applied for the credit card ( Reference Number : XXXX ) due to you following key factors : -serious delinquency and public record or collection filed -too few accounts currently paid as agreed -Time since delinquency is too recent or unknown -Number of accounts with delinquency According to the Equal Credit Opportunity Act adverse action against a consumer is against the law which is codified in 15 USC 1691c and is pursuant to civil liability under 15 USC 1692k. 
Due to the response I received by Discover Credit Operations Team are subject to criminal liability for violating 15 USC as I have proof that I was discriminated against due to the response I received. 
Discover Credit Operations Team is in violation of 15 USC 1642, 15 USC 1681m and 12 CFR 1002 because I, the consumer, made an application in good faith, but credit was not offered. 
Furthermore, because my social security number which according to 15 USC 1602 ( l ) is defined as a credit card was used and I received NO benefit. This is proof of fraudulent activity ( unauthorized use of credit card ) on behalf of Discover Credit Operations Team.

If Discover Credit Operations Team fails to make any reasonable procedures to resolve this matter and compensate me for the use of my credit credit card ( Social Security Number ) I will indeed make Discover Credit Operations Team criminally and civilly liable for all actual damages pursuant to 15 USC 1681n and 15 USC 1681o.

I will also follow up with an invoice for said violations ( {$1000.00} per violation ).

Without Prejudice. 
All Natural Inalienable Rights Reserved
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax allowed several inquiries on my report that were not authorized as required by Federal Law. Equifax aware they mixed my name and social security number with another person and refuse to fix the accounts mixed and inquires. By law any unauthorized inquiries and fraudulent accounts will need to be removed from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit report, I discovered the following accounts listed as charge offs : Creditor Name Charge Off XXXX XXXX XXXX  XXXX {$2300.00} XXXX {$6200.00} XXXX {$6000.00} XXXX XXXX XXXX {$6800.00} XXXX XXXX {$10000.00} XXXX XXXX {$16000.00} XXXX XXXX {$550.00} Since these accounts have been classified as charge offs and are reported inaccurately, I am requesting they be deleted from my credit report in accordance with 15 US 1681 e ( b ). The Internal Revenues classifies charges offs as ordinary income, and the creditor or lender is required to furnish a form1099-C ( copy b ) to the consumer ( I have not been in receipt of any form 1099-Cs from all accounts listed ). Since income is not reported on consumer credit reports, I am requesting the accounts to be deleted from my credit report as a result of the debt being canceled. This information is impacting my credit report negatively and my security clearance with the XXXX XXXX XXXXXXXX. Requesting the information to be deleted. Thank you for your support and time in this matter.
Product: Credit card or prepaid card

In XXXX 2017, a credit card was fraudulently applied for under my name. American express took my existing credit line from my blue American Express card, and partially transferred over to the fraud account. I contacted American Express, which they immediately closed out the fraudulent card but never returned back my credit line to my existing account. I have called American Express over 10 times, and have been on the phone for over 9 hours, without a resolution. No one knows which department can help and I have been given false promises.
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the following items which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit fileXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX , TX XXXX XXXX XXXX XXXX XXXX , IN XXXX XXXX XXXX XXXX Balance Owed : {$820.00} XXXX XXXX XXXX Balance Owed : {$10000.00} XXXX XXXX Balance Owed : {$520.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$10000.00} XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$150.00} XXXX  XXXX Balance Owed : {$0.00} .
Product: Debt collection

I was a reluctant customer of XXXX for over 5 years despite the terrible service I received. We had cable internet and home security. From day one our home security was terrible. It was giving off false alarms and the police would have to be called. The internet was never as strong as we were told it was going to be despite paying extra for the boost service. I decide to disconnect my service and go with another provider. I paid my last bill and switched over. Months later I see that XXXX has submitted an entry to the credit bureaus of an unpaid debt. I contacted XXXX several times to figure out what this debt was and why I never received written notification of the debt. When I turned in my equipment I was never informed about a balance or anything. There was no written communication after that point. 

I have tried to resolve the issue although I feel XXXX is at fault for failing to notify me of any charges after I disconnected my service, XXXX is refusing to remove this from my credit report even if I pay the balance in full. They apologized if they dropped the ball, but the most they could do is update it as paid in full, This is unacceptable. 

I reached out to the collection agency that now has the account Credit Collection Services to get more information about the debt and they told me very little information as well other than they are collecting for XXXX. I tried to explain that I never received written notification that of this debt. I tried to resolve the issue requesting the full deletion of this from my credit report if I paid in full. They said they don't have the power to make that happen. I know that they have the power to negotiate those terms but they wouldn't even talk about that. 

This is affecting my credit and I am in the process of purchasing a home. I am willing to pay the account in full although I take no responsibility for the charges, I was not properly made aware of the charges and was not given the option to dispute the charges in a timely manner.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX and I am sending this request without any third party involved and I'm seeking help to address the inaccuracies form my credit file. This complaint to TransUnion was the result of their non-compliance to my request and for their refusal of getting the items, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned items for they were found erroneous and unauthorized. 

XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$520.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$520.00}
Product: Debt collection

Company NAM continues to call my cell phone even though the debt is for the person who had my phone number prior to me. 

I have told them to stop calling and they continue to do so. When I call to tell them I am not the debtor, they hang up as quickly as possible to avoid having to remove my number. People are rude and threatening. Their Phone number is XXXX