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

XXXX  XXXX  is reporting these 3 accounts on my report which i have no clue about ... .. and they are reporting them as a collection account and also 120 days late ... ... they are hitting my account with a double negative ... all 3 are definitely violations... .i have challenged the reporting of these multiple times with all 3 bureaus and XXXX  XXXX  as well and all 4 send letters back saying that it is reporting accurately ... ..they are obviously not conducting proper investigations as these are not report 100 % accurately as required by the law that governs them .....
Product: Credit reporting or other personal consumer reports

Erroneous activity has been reported multiple times. It is imperative that any unauthorized item is removed within four business days. This process includes verifying my identity, submitting an identity theft report, identifying the relevant information, and confirming that the activity is unrelated to any of my transactions. 
XXXX XXXX XXXXXXXX XXXX : {$0.00}
Product: Credit card

Dear Sir or Madam : This is regarding my American Express XXXX XXXX card. I purchased an XXXX TV XXXX for my mother in XXXX and paid on XXXX via XXXX, which was charged to said Amex credit card. The total was XXXX USD. The package in XXXX never arrived and the tracking of the shipping company XXXX shows that it was sent to the wrong address ( a parcel locker or XXXX XXXX XXXX. I must have been scammed by the private XXXX seller. American Express reviewed the case 3 times (! ) and concluded each time that I must have received the item because XXXX tracking said " delivered '' although it showed the wrong address every time. The American Express dispute ID is " XXXX ''. 
I would like to file a complaint now because American Express is not protecting me as a consumer during my online purchases even when the seller/vendor is shipping items to the wrong address ( on purpose ). 
Sincerely, XXXX XXXX
Product: Checking or savings account

I got a large inheritance in 2 parts. One was in XXXX and one was on XX/XX/XXXX. The forst one everything went ok and when i came with the cashiers check this time for XXXX us dollars it was cleared in one day. Which bring me to today. Checked the app in the morning, check was cleared, went to citibank in XXXX florida and when i got to the teller i asked him for 3 cashiers checks so i could transfer money to my other 3 bank accounts and the 3rd small one for my brother to help him out. The first one was for XXXX for my brother and everything was cool. The second was for XXXX in my name for my XXXX XXXX  account and also everything was ok. The 2 cashiers checks were made and i had them in my hand. He was trying to do the 3rd one for XXXX to put in my name for my XXXX XXXX XXXX account and all of a sudden he said im sorry i have to call to get an ok for this one because its large. He made me wait 5 minutes, came back after 20 minutes and took the 2 chevks that were already made out if my hand and said im sorry were closing your account with no other information. I demanded a manager but they wouldn't send one out. This is a citigold account where theyre supposed to treat you better. They said call customer service to get answers. Now im not living in the states full time, i came specially to get this inheritance, i leave back to my country on monday ( 4 days ) now i dont have any access to my money with no warning and no answers. When i called customer service, same thing. No answer, ill get a letter in the mail in XXXX business days but i wont be here. And about the money ( XXXX ) i wont get itbfor up to XXXX business days. I wont be here. This is disgusting behavior. I did nothing fraudulent and have all the paperwork to prove everything. Even had the trustee call but no one will listen, no one will give any answers. Now im stuck with no access to my money or the money i had in the account before this check and no answers. How can they just do that with no warnings??? At least give me my funds so i can live. This is not a few buck and the cashiers check that i depsoited yesterday cleared. Now ill have to waste thousnads of dollars coming back whenever they do releaze the funds and take a loan in order to survive. Both of which i can not do. I have a business to run and am trying to build my credit. THIS IS SO MESSED UP. I NEED ANSWERS. CAN I TAKE A LAWYER???
Product: Credit reporting 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 confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and list of Inquiries. 


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 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 information, other than records of convictions of crimes 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 a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Vehicle loan or lease

On XX/XX/XXXX, I filed a complaint with the BBB against the violation of my consumer rights with XXXX XXXX XXXX. They keep calling my job although they notified BBB on XX/XX/XXXX that they received my complaint when I called and they will no longer call my place of employment. On XX/XX/XXXX, my supervisor once again informed me that I received yet another call from this same place. I spoke to her and was told I am not to give out her number. I apologized yet again and assured her that I was trying my best to get this situation under control. 

XXXX XXXX XXXX has yet again violated my consumer rights, lied in writing to the BBB and they refuse to abide by The Fair Debt Collection Practices Act. They keep violating my rights under this act and companies like this must stop. I am working very hard although they do n't see it to catch up on my car payments. I am on 90 probation because this is a new job and to have bill collectors keep calling me at work is unacceptable. I receive an evaluation and this will be noted. How do they accept me to pay my car note when they keep violating my rights trying to get me fired or humiliated at work. I am not sure why they feel they can do this but it has to end. I will be looking to seek further action against them. 

In their own writing on Ally letter head they replied back to the CFPB stating they place my cell number and work number on the Do Not Call list, however they keep calling my cell over 5x 's a day as well as still calling my place of employment. I have  attached a copy for the records.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Case # XXXX Federal Trade Commission Case # XXXX Attached Attorney General Cases from Texas and California XXXX XXXX XXXX Account # XXXX NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 I NEVER Opened an account with XXXX XXXX XXXX XXXX on the reported date of XX/XX/XXXX. I sent my letter off on XX/XX/XXXX. I asked the credit bureaus to investigate every piece of information, on the accounts. The bureaus responded that the account was verified which is not true because the account is not mine. I never opened the account and I need this account removed. Here are the tracking number XXXX and XXXX. I sent out multiple letters trying to resolve this issue. Now I will seek legal assistance if this false report is not removed. 

According to 15 U.S.C. Sec. 1681i ( a ) my rights are being violated and if the account is not deleted I will seek Monetary damages up to {$1000.00} per violation. 


XXXX Notice : XXXX XXXX, We have added an Extended Fraud Victim Alert to your credit report as requested on your behalf by one or more of the nationwide consumer credit reporting companies. This message, which will remain on your credit file for XXXX years, alerts credit grantors that you are a victim of fraud and to verify your identity in case someone is using your information without your consent. As an additional precaution, we have removed your name and address from prescreened offer mailing lists for five years. You can request two free copies of your credit report within 12 months of your request for this alert by visiting our secure Web site, www.experian.com/extendedfraudreport or by calling XXXX XXXX XXXX XXXX.
Product: Debt collection

I have sent XXXX letters asking for validation of debt and proof of where debt came from, where it was opened, address on file, and have not gotten a response for what i have asked. I made them aware what they are sending me is NOT VALADATION LETTER OF DEBT. At this time the debt has been written off they have not provided a XXXX or proof of debt in validation letter or deleted from my report. This debt was sold to multiable collection agencies and was resolved earlier this year as fraud by the first one and not XXXX more have been assigned to it
Product: Credit reporting or other personal consumer reports

I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in an XXXXXXXX XXXX XXXX breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected. This is a defamation to my character, and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also, it is illegal these companies should NOT be furnisher people 's information to 3rd party companies, so this is illegal, neglect and fraud. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can get sued for these damages. This is negatively affecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed immediately.
Product: Credit reporting or other personal consumer reports

I originally filed a complaint with you all because im unable to dispute my credit report. I recently got a letter from TRANSUNION saying the issue is my dispute is illegible, they further explained that by illegible they mean they can't read my handwriting. That's weird because I disputed online. My dispute is typed on a computer and I assure you I can type and spell. So now instead of disputing online they want me to call. So I call, the operator says we only accept disputes my mail or online! I ask could she please fix my acct so I may do so, she said it was fixed. No it's not I can not dispute anything, it still says PLEASE CALL.. I have been through this process with these people 10 times over 3 weeks. Please help
Product: Checking or savings account

From XXXX XXXX XXXX, 2023, I deposited business checks into my bank account. Unfortunately, the company that issued the checks was a victim of theft and their bank account was compromised. I made this known to the bank last week. I was then told that a hold was placed and it was supposed to be released on the XXXX of XXXX, 2023. I then for security reasons opened a new account on the XXXX of XXXX, and I spoke to XXXX XXXX XXXX and I made an appointment with him for the XXXX of XXXX, 2023 at XXXX. When I met him, everything was up and running. Two hours later my account ( XXXX ) were frozen with no explanation. I had to make numerous phone calls a return trip to see XXXX XXXX, further communication to XXXX XXXX the branch XXXX at the location I went to at XXXX XXXX XXXX XXXX. XXXX. XXXX, FL XXXX. I have over XXXX frozen over an issue I did not cause. I was supposed to receive a call from a retail specialist supervisor, and that person never called me. I am without my money and I am not sure when I will get it, and I am a XXXX person and I need my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax XXXX & XXXX have added fraud alerts to my credit report without my requesting it. This is a violation of FCRA regulations. Without my phone number this alert is useless and it was never requested or given ...
Product: Credit reporting or other personal consumer reports

I asked that they reinvestigate, XXXX  and XXXX  on my report. Now according to FCRA you all supposed to make sure information in consumers profiles are reporting accurately. Can you explain how a charge off is 100 % paid off with a {$0.00} balance be a charge off with a {$0.00} balance. Someone is clearly not doing there job and this inaccurate information should definitely be deleted from my profile if it is paid off.
Product: Debt collection

I noticed a collection account on my credit report from LVNV Funding LLC, about a {$1100.00} debt I never new existed ( because I never borrowed that money ). The debt was XX/XX/XXXX from XXXX XXXX Bank. It was reported to the collection bureau on XX/XX/XXXX, which negatively impacted my XXXX credit score. However, to this day, this collection is not showing up on my XXXX or XXXX credit reports, or anywhere else that I can tell. I suspected fraud from day 1. So, I contacted both LVNV Funding ( the collection agency ) et XXXX XXXX Bank ( the Supposed lander ). Neither has my information on record. They could not tell me anything about this loan that I supposedly took, or the collection. That's when I contacted XXXX, who let me know that they were going to start an investigation, but also advised me to file a report with FTC. This is how I got here.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Transunion and requested all these unauthorized inquiries on my credit report to be removed customer service would not help me on this matter and stated that i am at fault that theres nothing they can do. I am requesting to have my inquires deleted from my credit reportXXXX XXXX XXXX/XXXX/XXXX XXXX XXXX ( this is authorized by me ) XXXX/XXXX/XXXX XXXX XXXX ( this is authorized by me ) XXXX/XXXX/XXXX XXXX XXXX ( unauthorized ) XXXX/XXXX/XXXX XXXX ( ( unauthorized ) XXXX/XXXX/XXXX XXXX ( ( unauthorized ) XXXX/XXXX/XXXX XXXX ( unauthorized ) XXXX/XXXX/XXXX XXXX XXXX ( unauthorized ) XXXX/XXXX/XXXX XXXX/XXXX ( unauthorized ) XXXX/XXXX/XXXX XXXX ( unauthorized ) XXXX/XXXX/XXXX XXXX ( unauthorized ) XXXX/XXXX/XXXX XXXX XXXX ( this is authorized by me ) XXXX/XXXX/XXXX XXXX XXXX ( unauthorized ) XXXX/XXXX/XXXX XXXXXXXX ( unauthorized ) XXXX/XXXX/XXXX XXXX ( unauthorized ) XXXX/XXXX/XXXX XXXX-XXXX ( unauthorized ) XXXX/XXXX/XXXX XXXX/XXXX ( unauthorized ) XXXX/XXXX/XXXX XXXX ( unauthorized ) XXXX/XXXX/XXXX XXXX XXXX ( unauthorized ) XXXX/XXXX/XXXX XXXX/XXXX ( unauthorized ) XXXX/XXXX/XXXX XXXX ( unauthorized ) XXXX/XXXX/XXXX XXXX XXXX ( unauthorized ) XXXX/XXXX/XXXX XXXX ( unauthorized ) XXXX/XXXX/XXXX XXXX XXXX ( unauthorized ) XXXX/XXXX/XXXX XXXX XXXX ( unauthorized ) XXXX/XXXX/XXXX XXXX ( unauthorized ) XXXX/XXXX/XXXX XXXX ( unauthorized ) XXXX/XXXX/XXXX XXXX XXXX ( unauthorized ) XXXX/XXXX/XXXX XXXXXXXX XXXX ( unauthorized ) XXXX/XXXX/XXXX XXXX XXXX ( unauthorized ) XXXX/XXXX/XXXX XXXX ( unauthorized ) XXXX/XXXX/XXXX XXXX ( unauthorized ) XXXX/XXXX/XXXX XXXX XXXX ( unauthorized ) XXXX/XXXX/XXXX
Product: Credit reporting

On XXXX XXXX, XXXX, I disputed a report of a tax lien that was reported on my Transunion report by XXXX. My credit report of XXXX XXXX, XXXX, file number XXXX shows this item was deleted from my credit file. Now I notice this item has been reinserted on my credit report as of XXXX XXXX, XXXX file XXXX. FCRA 611, Procedure in case of disputed accuracy [ XXXX. XXXX ] Requirements relating to reinsertion of previously deleted material. 

Certification of accuracy of information. If any information is deleted from a consumer 's file pursuant to subparagraph ( A ), the information may not reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies the information is complete and accurate. 

If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. Additional information. As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing no later than 5 business days after the reinsertion date. 

( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumer 's file disputing the accuracy or completeness of the disputed information. 

I received no such notification. This is a serious violation of the FCRA, and I reserve the right to pursue further action. Your agency may avoid such action by immediately deleting this listing from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

YEARS AGO MY CREDIT WAS STOLEN. I PUT A FREEZE ON MY ACCOUNT. I JUST TRIED TO GO TO A CAR DEALERSHIP TO BUY A NEW CAR AND THEY COULD NOT ACCESS MY CREDIT. EXPERIAN WOULD NOT LET ME UPDATE MY PHONE NUMBER, AND THEY DIRECTED ME TO THEIR WEBSITE, WHICH DID NOT WORK AND I WAS LEFT WITH NO CAR. THEY TOLD ME I HAD TO MAIL DOCUMENTS TO THEM, WHICH WOULD HAVE TAKEN WEEKS. 
THEY ONLY CONNECTED ME TO PEOPLE WHO SPOKE VERY BROKEN ENGLISH AND I COULD NOT UNDERSTAND WHAT THEY WERE ASKING. 

I FINALLY GOT THEM TO REMOVE THE CREDIT FREEZE AFTER TWO WEEKS OF CALLING.

I NEVER WANT TO DO BUSINESS WITH THEM AGAIN BUT FEEL FORCED BECAUSE THEY ARE THE ONLY ONE.. THEIR WEBSITE UPLOAD IS USELESS AND MADE ME WANT TO PULL MY HAIR OUT.

VERY DISAPPOINTING
Product: Credit card or prepaid card

On XXXX I made a purchase on the internet of {$37.00} on XXXX XXXX. My billing statement for XXXX arrived with a charge of {$100.00} which was entered as a sales account adjustment with no previous balance. I tried several times to contact the vendor where all I could leave was a voice-mail and an assurance they would call back. None of my calls were returned. I contacted XXXX XXXX, explained the situation, and wast told they would file a dispute for the overcharged amount of {$66.00}. In the meantime I submitted a payment for the purchase I made in the amount of {$37.00} ( XXXX ) and given confirmation # XXXX. The due date for the payment was XXXX ( on time ). The next statement I received from XXXX XXXX was now {$100.00} with interest of {$2.00}. All statements since, have crazy fees deductions and additions. I have regularly called trying to settle the overcharge, sent explanations to their XXXX XXXX XXXX South Dakota ( no phone for office ) and have spent hours on the phone trying to resolve the issue. XXXX XXXX is now harassing me for payment, and has immediately reported a non-payment to the credit bureaus. My XXXX XXXX dropped about a XXXX points from them, and this fraudulent charge has been constantly under dispute. I am starting to think XXXX XXXX is committing this fraud. Before this happened I had to dispute another charge which was resolved back in XXXX of XXXX. I have not used their card since then. XXXX XXXX not talk to me ( their logo on the card ) as XXXX XXXX is a LLC management company. I have always maintained an exemplary credit rating through the years and my available credit has been especially high. I need help with this company to get this resolved. Thanking you in advance. I wii not pay this charge until XXXX XXXX can provide proof of purchase, which they cant..
Product: Mortgage

Hello, i have tried to apply for mortgage loan for FHA loan at CMG financial in XX/XX/2020. I have talked to XXXX XXXX ( sales manager ), submitted my application and sent all require documentations. I have communicated with loan officer via email and phone. Generally, loan application take up to 24 to 48hrs for result. However, there isnt any response until 6 or 7 days later. Then, loan officer sent me a letter with without any explanation what is that information is for. I first think that it is pre-approval letter. Until i went look for houses and talk to builders then i found out the letter pre-qualify is for nothing. The letter sent was not a pre-approval letter. It is just pre-qualifies statement that is subject to change based on supporting documents and credit report. I can not believe that how they work and just give me a piece of paper for nothing even through i submitted all documents and they viewed my credit. I asked loan officer for full report of my loan information. they sent me the closing cost page of another customer of their with their private information. I sent them another email asking for an explanation regard the situation of my loan now. I did not receive any contact from them or any explanation. I strongly believe they have neglect my application and show discrimination in my case. This shows how they not care about customer and possibly take customer private information for other motives. They purposely mislead customer throughout the loan process. Unprofessional and unacceptable act from loan officer.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX Transunion are reporting multiple inquiries on my credit report that do not belong to me. I have never made any inquiries to these creditors. ( I have attached a copy of the Inquiry page from my credit report along with a copy of my drivers license and SSN for reference. ) These multiple inquiries belong to someone else and are reporting in error. This false reporting is seriously harming my credit score and these inquiries need to be removed from my credit report. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus to remove these inquiries however, I have not been successful.