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

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that COMENITY BANK/XXXX XXXX has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreover, I was never 60 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask your confirmation of the aforesaid item too. My proper request must be investigated as soon as possible and confirmed to be correct. Thanks!
Product: Money transfer, virtual currency, or money service

Basically my crypto a ount was ha kex by XXXX employees butntheynsend me links but nothing ever happens
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion was contacted on XX/XX/22 regarding my score. My score was XXXX. Out of nowhere they dropped my score XXXX points! 

XXXX has the SAME information same accounts and my score was XXXX and they dropped the score XXXX points. 

I called in and they made excuses. Oh you opened up a new account! The only new account I opened was XXXX XXXX. No new accounts besides this one. In addition I reached out to XXXX XXXX and XXXX XXXX who is the CEO both claim to be XXXX XXXX. No late payments, no charge offs, and no delinquencies. I have been a Transunion Customer practically 35 years. In almost 40 years I have not ever seen my score drop this low. 
They are obligated to explain how they came up with almost a 100 point drop. 
Instead they ignore customers and customers all over the world entrust this credit agency to report accuracy. IF there was a bankruptcy or default on my loans I could see it. Each is far from the truth. There are inquiries I don't recognize. I am confused as to what's going on here. 
I am asking where did this drop come from? I opened up 3 accounts XXXX XXXX, XXXX XXXX, and XXXX credit score did not budge. 
No late payments in almost 2 years. No defaults and my credit usage is not 75 %. They are only reporting 3 accounts out of Six. XXXX XXXX is {$120.00}. XXXX is {$300.00} and XXXX XXXX {$470.00}. Three accounts are paid off in full. Please tell us why you drop the score.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called to find out my score but they have my social security number incorrect I've been denied a loan during this horrible epidemic
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a DISCOVER ( xxxxxxxxxxxx XXXX ) account reporting on my credit report that is a fraudulent account and is not mine. After sending correspondence letters to discover asking them to verify the accounts i received a letter of deletion from in XX/XX/2020 not knowing that they had created new account numbers and reinserted this account on my credit report they have done this several times now after not being able to verify this account please review my credit reports to see this information i also filled a FTC report and sent it to them which they refuse to acknowledge. Also they have different account balances owed on my credit reports please remove these account with inaccurate information and review the reports for this incorrect information. This account is reporting as negative and is stopping me from getting a mortgage
Product: Mortgage

Shellpoint mortgage company took over my account n foreclosed on my house they over charge me n had me pay escrow account which in my contract im only to make XXXX payments of XXXX
Product: Checking or savings account

I opened a CD for {$1000.00} with BBVA USA on XXXX. The term was one year making the maturity XXXX. Because of covid-19 issues, I needed access to the funds prior to maturity. The BBVA USA website indicates that because of covid-19 " Penalty-free CD withdrawals for CDs opened prior to XX/XX/XXXX. Available on request. '' The agent with whom I spoke said that penalty free CD withdrawals were not available. I referred him to the disclosure on the BBVA USA website. He reiterated that penalty CD withdrawals were not available. As such, I was assessed a {$35.00} penalty. 

I think this is unfair since the BBVA USA website indicates that penalty free CD withdrawals are available on request and I requested such. 

I have attached a copy of the BBVA USA website with the appropriate section highlighted. I have also attached a copy reflecting the {$35.00} penalty that I was assessed.
Product: Vehicle loan or lease

This is not a problem with the vehicle - which was fine. This is purely a problem with XXXX XXXX XXXX billing me for additional lease payments after I have completed all my payments. XXXX XXXX even sent me a notice that I am " past due '' on a lease payment. This is affecting my credit rating, and it is harassment to be hounded for payments that I do not owe. 
I leased an XXXX XXXX for three years. The lease ( account ending XXXX ) ended XX/XX/2019. I returned the car on XX/XX/2019. During the three-years, I never missed a payment or was late on a payment. XXXX emailed me on XX/XX/2019, to confirm that I had completed my final payment due. 
But now XXXX XXXX persists in making statements that I still owe monthly payments on the lease. On XX/XX/2019, XXXX claimed in an email that I was past due. 
I repeatedly asked XXXX to stop publishing false and libelous statements claiming that I am defaulting on payments. I have an excellent credit rating and am concerned that XXXX false claims will impact me financially. 
I sent emails to XXXX on XX/XX/XXXX and XX/XX/XXXX, explaining its error. I engaged XXXX in an online chat. But XXXX refuses to acknowledge the error, and it refuses to stop the false statements about me. 
It appears that XXXX will not reasonably respond.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX Balance : {$590.00} XXXX XXXX Balance : {$3100.00} XXXX XXXX XXXX Balance : {$19000.00}
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, Please be advised this is my SECOND WRITTEN REQUEST. The unverifiable and incomplete items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
Please be advised that your company continues to report these unverifiable and incomplete items. These accounts can be considered falsified revenue and illegal by the IRS due to the fact these said accounts have been written off as a tax deduction. How can a payment be collected on an unverifiable and incomplete account, that has already been recorded as a tax deduction. These actions could have severe penalties for falsifying revenue reported to the IRS in accordance with the General Accounting Principles ( GAP Standards ). 

Please remove these unverified and incomplete items listed below : 1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Please remove it from my credit report. 


2. there is some inaccurate information reporting XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


3. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


4. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


5. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


6. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


7. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


8. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has 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 719XXXX has me at a score around 590. That is a huge difference. XXXX 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 XXXX  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 XXXX. 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 XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX, XXXX XXXX Acct XXXX, XXXX, XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Debt collection

This company contacted someone I know and gave them sensitive information about my account. In addition, I have sent a written notification asking the company to validate the debt and verify the ability to collect in Mississippi. Furthermore, I have sent a written request to stop all telephone harassment and communication. I have asked that all communication continue in written correspondence through the mail. 
I have received harassing phone calls XXXX to XXXX times daily since XX/XX/year>, from different numbers imposing local numbers. On XX/XX/year>, a representative reached out to a family member I do not associate with about this debt and disclosed sensitive information to the family member.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Account XXXX Amount {$4800.00} Date XXXX This is a fraudulent account on my report. I ahve already submitted my police report and ftc report to the credit agency and it is still on my credit file. 

XXXX XXXX XXXX Account number XXXXXXXX  Amount {$5700.00} Date XXXX his is a fraudulent account on my report. I ahve already submitted my police report and ftc report to the credit agency and it is still on my credit file. 

XXXX XXXX Account Number XXXX. 
Amount {$22000.00} Date XXXX This is a fraudulent account on my report. I ahve already submitted my police report and ftc report to the credit agency and it is still on my credit file. 


XXXX Account Number XXXX DAte XXXX This is a fraudulent account on my report. I ahve already submitted my police report and ftc report to the credit agency and it is still on my credit file. 

XXXX XXXX Account Number XXXX Date XXXX This is a fraudulent account on my report. I ahve already submitted my police report and ftc report to the credit agency and it is still on my credit file. 

XXXX XXXX XXXX  Account Number XXXX XXXX This is a fraudulent account on my report. I ahve already submitted my police report and ftc report to the credit agency and it is still on my credit file. 


XXXX Account number XXXX Date XXXX This is a fraudulent account on my report. I ahve already submitted my police report and ftc report to the credit agency and it is still on my credit file XXXX XXXX  Account Number XXXX Date XXXX This is a fraudulent account on my report. I ahve already submitted my police report and ftc report to the credit agency and it is still on my credit file
Product: Checking or savings account

I deposited Funds to synchrony bank with a new account open. I was told there are no holds for new accounts and if I sent a wire transfer, there would not be a problem. the funds would be available immediately. 

I funded the account and requested the funds to be wired out to two multi nation companies. I waited a day and was told after three calls to figure out whats going on, the company told me the account was under " review '' and that they do not allow me to wire funds out of the account. They also told me that one of the companies I wanted to wire to, XXXX, they would not allow. This company has not given me an actual answer as to why they are holding my money, and a " review '' is not substantial. I have a right to know the exact reason. 

Essentially, this company has been holding my funds for no valid reason. I opened up my bank account with my real accurate information. The company allowed me to open the account. I funded the account not with ACH but with real hard funds via wire. The company is now holding those funds without cause.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 4time sending this report of wen my identity got stolen and fraudulent accounts were made with my credit I send numerous reports to the creditor and no response at this time the creditor are in violation of the FDCPA. 
federal Fair Debt Collection Practices Act ( FDCPA ) As required by section 611 of the Fair Credit Reporting Act, 15 U.S.C. 1681i, I am requesting that the items be removed from my credit report permanently
Product: Credit reporting

I have been requesting a complete payment history from XXXX and they refuse to provide me with a copy of a complete payment history and if the lender refuses to report a payment history on my credit report the lender is in violation of the Fair Credit Reporting Act
Product: Credit card

I erroneously drafted an electronic check ( bill payment ) to my credit card company ( Best Buy ) for XXXX as opposed to XXXX XXXX XXXX/XXXX/16. Absoutely my error. When I caught the error, and tried to stop the check on the bank side I was told it was not possible since the " draw '' had already been initiated from the bank side, and was requested to contact the credit card company. I did so immediately. I was informed by Best Buy that they also were unable to do anything until the payment was actually posted. When it finally did post on XXXX/XXXX/16, I called and was told a refund would take 30 days to process unless I could provide a fax from the bank indicating that the check had cleared, If I could do so I was told that an epedited return could be handled in 4 days. The bank did so on Friday XXXX/XXXX/16, at my bequest. I have called Best Buy several times now, and am being told that it takes several days for a fax to show up, but that they have acknowledged an expedited request for refunding the entire payment. Unfortunately, now they are reporting that thsi will take 9 days to process. I am simply asking that the amount be returned immediately via ACH, in the same way that it was easily processed in a couple of days. I find it egregious that these delays are acceptable in today 's world of immediate electronic transfers.
Product: Student loan

I continue to be denied Public Service Loan Forgiveness by MyFedLoan. I cant get a clear answer, but when I recently reapplied I was denied again. I called and was told it was due to {$10.00} discrepancy they found from years ago, but can not provide proof. I should wholeheartedly qualify. Please help. I worked in public service XX/XX/XXXX to XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Transunion is reporting these fraudulent inquiries on my report and needs to be deleted now XXXX XX/XX/year> XXXX XX/XX/year>
Product: Credit reporting or other personal consumer reports

My account and information were hacked by several companies. Last year Back of America, my account was hacked, money was stolen and transferred out of my account and my information was changed. I called, my money was returned weeks later but obviously my information was stolen and damage done. 

With credit karma, same thing. My account was hacked and information changed and stolen. Nothing big was done. I just had to verify my identify to get access back to my own account. I did that. Damage done, information changed and stolen.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the inclusion of certain collection accounts on my credit report, which I believe are inaccurate and unverified.As per my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I am disputing the following collection accounts : XXXX XXXX XXXX XX/XX/XXXX-XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX- XXXX  XX/XX/XXXX XXXX XX/XX/XXXX -XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX - I request that you investigate these matters promptly and remove or correct the disputed information from my credit report if the creditors can not verify or validate the debt. The FCRA requires you to complete this investigation within 30 days of receipt of this letter ( 15 U.S.C. 1681i ).
Product: Debt collection

A person named XXXX is calling me from XXXX XXXX  regarding a transaction i authorized. He calls me and started calling my coworkers with the same message he calls from the number XXXX XXXX XXXX. The message says that there will be consequences if i don't call back!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is pretty basic Prior to Covid 19 credit score good XXXX. 
My graph shows the continuous decline from XX/XX/2020 to now credit score XXXX. 
Iam XXXX and single had to move into apartment and find work no easy task. 
Iam still trying to make rent alone. 
Question : Why can't my credit score be paused at 2020 or at least have a seal stamped on it Covid problem trying to climb out of XXXX. Employers see this score it doesn't look good!!! 
Not to mention I was a first responder during Covid. 
I did get help from XXXX the first round and applied again but was told I need arrearages!?? well, I did not have arrearages because I stopped paying my debts in order to have a roof over my head! ( priority ) Hence my XXXX credit score I just barely make my rent and I don't live in a overpriced situation. 
******I want to have my credit looked at prior to Covid 19 I always paid my bills now it looks bad! ** This is not right!
Product: Prepaid card

My phone and wallet were stolen. Since the initial claims were submitted, I have not been given one solid reason as to why the claims were denied. The agents on the phone do not know anything and can not explain anything or guide along the process. I have also tried to send multiple rebuttals for each claim and they still have not been able to refund the fraudulent transactions on my account. It has been several months now and every time I speak with them over the phone, they have no idea what is going on. I have given sufficient evidence and explanation to support my claims and they have not requested any further documentation from me to support my claims. I have provided multiple documents including police reports, letter to FTC, proof of identity, and many more.
Product: Debt collection

Coast to Coast Financal Solutions has continue collaborating with the scam of XXXX XXXX XXXX XXXX XXXX certified letter were already sent. 

Coast to Coast Financal Solutions is well aware of the willful conduct of XXXX XXXX XXXX XXXX XXXX and reported fraudulent collection account to my file
Product: Credit reporting or other personal consumer reports

This is my another 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. The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. I need the following accounts to be updated from my file right away I'd appreciate it if you could update these reporting accounts as soon as feasible. These accounts should be rectified as soon as possible if you do not comply with the instructions. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX