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

XXXX XXXX, XXXX  and Experian are reporting my score harmfully low. It is important to recognize that my credit score is violating my rights to obtain a loan including approval on a dwelling for my family, and preventing me from establishing any type of credit at all. I have worked tirelessly to improve my credit report and my score has decended dramatically with less negative items being reported! I am disputing the score on my three reports, with this reported score I can not be approved by a landlord, utility or insurance including a job! Inhave XXXX  children and a wife. This credit report and score is hauling me from establishing credit and my ability to create a safe environment formmy family.
Product: Student loan

The aes loan I am paying back has worked out a payment plan for me. Now they told me they can no longer help me out with a payment plan and I have to pay the full amount. How am I supposed to pay the full amount if I do n't have the money? I would would be able to pay half the full amount. Please help.
Product: Credit card or prepaid card

CITI BANK BROUGHT IT TO MY ATTENTION THAT A PURCHASE WAS MADE ON A BRAND-NEW ACCOUNT THAT I HAD WITH THEM. AT THE TIME OF XX/XX/2022, IT WAS BRAND NEW. THEY INFORMED ME MY ACCOUNT WAS PAST DUE, AND I HAD A BALANCE. I EXPLAINED TO THEM THAT I HAD NEVER RECEIVED CARDS FROM THEM AND NEVER DID I ACTIVATED ANY CARDS. AFTER GOING BACK AND FORTH AND THE REP GAVE ME OPTIONS AND PROMISED ME THAT SHE WOULD HANDLE THE MATTER. SHE WAIVED THE LATE FEE, AND I AGREED TO PAY {$100.00} UNTIL THEY COULD INVESTIGATE. SHE ALSO VERIFIED THAT SHE COULD SEE THAT THE CARD WAS NOT ACTIVATED FROM MY PHONE NUMBER AND VERIFIED A NUMBER NOT ASSOCIATED WITH MY ACCOUNT ACTIVATED THE ACCOUNT. I IMMEDIATELY GOT UPSET AND REQUESTED TO REMOVE ALL CARDHOLDERS. SHE SAID THAT I WOULD BE ISSUED A NEW CARD WITH NEW INFORMATION. XXXX AND XXXX CAME, AND AGAIN THE SAME THING OCCURRED. WHEN I TRIED TO USE THE CARD IN XXXX, IT WAS DECLINED. CITI BANK SENT ANOTHER CARD AND GAVE ME THE SAME EXCUSE FOR 3 MONTHS. TO THIS DAY, AN INVESTIGATION HAS NOT BEEN COMPLETED. EVERY TIME I CALL THEM, THE CALLS ARE DISCONNECTED. NO ONE HAS NO UPDATES. THEY HAVE GIVEN ME THE RUN AROUND AND RUINED MY CREDIT. I HAVE NOT BEEN PROVIDED WITH NO DOCUMENTATION OF ANY INVESTIGATION THAT HAS TAKEN PLACE. MY ACCOUNT HAVE NOT BEEN CREDITED, NOR HAVE THEY RETURNED MINE OVERPAYMENT OF {$100.00}
Product: Mortgage

I have a mortgage with truist my mortgage payments have not been reported since XXXX  I called the mortgage company they told me to file a credit dispute they sent me a letter acknowledge that the information but still have not reported it to the credit bureau
Product: Money transfer, virtual currency, or money service

Hello, I have an account with the XXXX XXXX called 'Binance.us ' and I have an account with the crypto wallet called 'XXXX  '. On the XX/XX/2021 I transferred XXXX Shares of the crypto called XXXX, or XXXX  for short, from XXXX to Binance.us. I never received my crypto on the exchange Binance.us and I contacted both XXXX and Binance.us to see what had happend. Only XXXX has responded and they said it cleared. Binance.us has yet to respond with any type of notice and I am at risk of losing money by not having my cryptocurrency readily available for me to trade!! 

This transfer issue happened again yesterday the XX/XX/2021. When I transferred again a different crypto this time from XXXX to Binance.us. This time the crypto is called XXXX, or XXXX for short, at total of XXXX shares. I have emailed about this issue and have not received a response. 

I am done doing business with this company Bianance.us as soon as I get my cryptocurrency back. Please help me in any way possible. This company does not have any phone support line and only emails. This is wrong what they are doing. Also, I want to add that I checked the address from where these two transactions were being sent to where they were going, multiple multiple times and I have the transaction IDs to prove it. I also have screenshots of my transactions to provide. Thanks! 

-XXXX .
Product: Credit reporting, credit repair services, or other personal consumer reports

unauthorized inquiries on my XXXX  report. I have not authorized these inquiries and I have contacted each one of them to tell them so. I got no results.I want these items deleted from my report. 
1.Capital One XX/XX/XXXX 2.XXXX XX/XX/XXXX
Product: Debt collection

After viewing a copy of my credit report, I noticed a collection account placed on my credit report from LUNV FUNDING in XXXX of 2017 in the amount of {$280.00}. First and foremost, I have confirmed that the debt collector, LUNV FUNDINGis not licensed in the state of Texas to collect on this debt. Secondly, LUNV FUNDING violated FDCPA rules and regulations when they failed to send me a written debt validation notice including the amount of the debt, name of the creditor, and notice of the consumers right to dispute the debt within 30 days ( see 15 U.S.C. 1692g ( a ) ). Third, what obligation do I have at all to LUNV FUNDING? I have never heard of them, have no written contract with them and have never received any benefits from them, yet LUNV FUNDING has submitted negative information to all three credit reporting agencies ( XXXX, XXXX and XXXX ) against my name and social security number and is demanding payment from me in the amount of {$230.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

We went to Tennessee  and attended an event about timeshares. The even took forever and they consistently lied in order to make you stay longer and until you signed a document it felt as though you were in prisoned with no other choice and no ability or time to even think. Once we were out of there we called the next day after realizing that they lied to us about any and all of the dates they claimed were available to us if we signed up, " they just couldn't see it at the time, '' this was a lie as in fact I was able to see they had nothing avaible for the requested dates the same night we left. I immediately called and canceled all of it and even sent a certified letter stating this as well After arguing continuously with them they finally said they canceled it all and I have never heard anything other than that, except recently with something on my credit report saying a delinquency on an account and even my credit report I see, doesn't have it, but once requesting my credit reports through annualcreditreport.com, it showed up and I was able to see it. I have no balance with them and lost {$300.00} with them and did not even get the " free '' vacation that was mentioned if you just attended the event. 
This company is nothing but a scam artist and needs to be shut down.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with The Fair Credit Reporting Act XXXX XXXX- Account Number- XXXX, XXXX XXXX- Account Number- XXXX, XXXX XXXX Account Number- XXXX XXXX XXXX XXXX XXXX XXXX Account Number-XXXX XXXX XXXX XXXX XXXX Account Number- XXXX, XXXX XXXX- Account Number- XXXX, XXXX  XXXX, XXXX XXXX - Account Number- XXXX, XXXX XXXX Account XXXX XXXX XXXX XXXX Account Number- XXXX XXXX  Acts Has Violated My Rights XXXX 

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: Bank account or service

On XXXX XXXX, 2015 I reported to TD bank the theft of {$760.00} from my checking account ending in XXXX. Subsequent to my report to TD bank and police TD confirmed the theft by " skimming '' my debit card and credited my checking account {$750.00} on XXXX XXXX, 2015. 
Today XXXX XXXX, 2015 while checking my accounts at TD bank, to my great dismay, I noted that on that same date of XXXX XXXX, 2015, the thieves also debited {$740.00} from my savings account ( account ending in " XXXX '' ). I was unaware that this could have happened without a withdrawal slip but it did. I immediately called TD bank for help and XXXX filled out another dispute form. Despite the fact that all the illegal withdrawals were from the same area ( a place I have never been ) it went unnoticed by TD fraud unit as well as by myself. 
I still need to be credited in my savings account ( with lost interest ) for the {$740.00}. XXXX since XXXX XXXX, 2015. The facts surrounding the theft are the same, that is the same area and limits, so I should not have to wait as long for the credit I hope. I am asking CFPB to oversee this as I am afraid there will be a misunderstanding. I do n't want TD bank to think that they already credited me for the full amount. There are XXXX different accounts : the checking ( XXXX ) and a savings ( XXXX ) e.
Product: Credit card or prepaid card

XXXX  credit report said I had an 84 % chance of getting the XXXX XXXX 0 % card for 15 months with XXXX XXXX, they did the old bait and switch ( XXXX XXXXXXXX ) declined for that card, but offered a card with XXXX credit limit at 30 % which i did not apply for. THE OLD BAIT AND SWITCH!!! Thank You
Product: Checking or savings account

I have overdraft protection with the Bank of America. Yet it continues to charge me {$35.00} per overdraft! 

XXXX XXXX. {$35.00} XXXX XXXX. {$35.00} The result is constant overdraft of my account. 

I am under the overdraft protection not to be charged an overdraft fee yet the Bank of America continues to do this despite my many complaints to them! 

Totally outrageous!
Product: Credit reporting or other personal consumer reports

Company or Organization : XXXX XXXX Account Number : XXXX Date fraud began : Date that I discovered it : XXXX Total fraudulent amount : {$1000.00} Credit Card Opened by the Thief Company or Organization : XXXX XXXX XXXX  Account Number : XXXX Date fraud began : Date that I discovered it : XXXX  Total fraudulent amount : {$650.00} Fraudulent Personal or Business Loan Company or Organization : XXXX XXXX Account Number : XXXX Date fraud began : Date that I discovered it : XXXX Total fraudulent amount : {$370.00} Fraudulent Personal or Business Loan Company or Organization : XXXX XXXX Account Number : XXXX Date fraud began : Date that I discovered it XXXX XXXX Total fraudulent amount : {$120.00} Fraudulent Personal or Business Loan Company or Organization : XXXX XXXX Account Number : XXXX Date fraud began : Date that I discovered it : XXXX Total fraudulent amount : {$250.00}
Product: Credit card

Please see attached thank you letter I wrote to bill me later for finally correcting the numerous errors on my account and that I truly appreciated it. XXXX-XXXX % of every issue was corrected in my favor. Then I show them my statement just printed for XX/XX/XXXX. Once again they made another error. Circled on page XXXX of statement it says the {$190.00} charge in dispute I do not have to pay yet??? This was a XXXX ticket which delta finally processed a refund for {$190.00} after I called them. Pay Pal received the XXXX refund and notified Bill me later. Attached please find deltas emailed receipt showing this ticket as " XXXX '' status. Which means it was refunded. So why they have not updated this I have no idea. In addition I have been with Bill me later for years, always pay my bill 1 day after bill prints never paid interest, never late, XXXX % payment record. So I must say I received no communication at all except again on page XXXX of this statement in middle it says " Youre account is closed ''???? I have asked them why? No response. It appears even though all disputes were their error and found correctly in my favor they have retaliated for asking for your assistance by not telling me but closing my stellar account. Unbelieveable. What route do I need to take to get this account opened?
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute with Equifax regarding an account on my report from a company that no longer exists, so I could not reach them to fix the issue. Rather than reaching out to the company Equifax they simply said they reached out and two days later provided the results of their investigation. Knowing the company no longer exists, I know there is no way they could've reached them, and I believe, ultimately, they should remove the account from the report. XXXX and XXXX have agreed with this and removed it ; Equifax is the only one that has not.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to 15 USC 1681 section 602 A States I have the right to privacy. 

15 USC 1681 section 604 section 2 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 item of information, other than records of convictions of crimes which antedates the report more than seven years. 

15 USC 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any consuming reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate I Am A natural person, I am a living human being, I have rights under 15 USC 1681. 

Equifax is governed by 15 USC 1681. and they violated my rights numerous times. I demand the accounts listed below be removed because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

Account name : XXXX XXXX XXXX ACCOUNT NUMBER XXXX XXXX Account name : XXXX XXXX XXXX  Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX  Account number : XXXX Account name : XXXXXXXX XXXX XXXX Account number : XXXX Account name : XXXX Account XXXX : XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXXXXXX XXXX  Account number : XXXX Account name : XXXX XXXX. Account number : XXXX Account name : XXXXXXXX XXXX XXXXXXXX Account number : XXXX Account name : XXXX Account number : XXXX ONLY ADDRESS SHOULD BE ON MY CREDIT IS THE ADDRESS REPORTING.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had my Social Security number and personal information stolen numerous times. 
Transunion is the only reporting agency that I have not been able to sign in or report. I think I have a credit freeze, but I am not sure because I could never get any information from them. When they were trying to identify me, they ask question from years ago that I don't remember. Who remembers every telephone number they have ever had.
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX compa both these companies have inaccurate information reporting to my credit report! 
I have never had a agreement or contract with either of these companies and i ask for them to be removed! they are also by law violating my rights to privacy.
Product: Checking or savings account

I am writing to formally file a complaint against Truist Bank concerning an unresolved issue with a legal check in the amount of {$55000.00}, which I deposited on XX/XX/year>. 

On XX/XX/year>, Truist Bank rejected the check despite verification with the issuing bank that confirmed the checks validity and availability of funds. However, as of XX/XX/year>, I have yet to receive the reissued legal check or any resolution from Truist Bank. 

As you may know, under U.S. law, specifically the Uniform Commercial Code ( UCC ) and other relevant banking regulations, banks have an obligation to process checks in a timely and accurate manner. When a check is determined to be valid, the bank must either honor it or provide a clear and timely explanation if they choose to reject it. Furthermore, if a bank refuses to process a legitimate check, they are typically required to reissue the check or otherwise ensure that the rightful payee receives the funds without unnecessary delay. 

Truist Banks failure to reissue my legal check or provide an adequate explanation violates these legal obligations and has caused me significant financial hardship. The delay in accessing these funds, which are rightfully mine, is unacceptable and contrary to the consumer protections afforded under the law.
Product: Credit reporting or other personal consumer reports

Student loans PAID IN FULL DUE TO CONSOLIDATION by XXXX on XX/XX/2024. 

This information was sent to me on XX/XX/2024 and is also updated in my FAFSA account. 

Experian and XXXX refuses to update my student loan from my credit report. XXXX already did it after the first dispute.
Product: Credit reporting or other personal consumer reports

In the last 3 months I have continuously I mailed a dispute to XXXX XXXX XXXX and XXXX XXXX XXXX to remove the fraudulent Capital One account for {$460.00} open XX/XX/2022 as well as fraudulent addresses listed below I have never lived or associated with the following XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX has removed the following fraudulent and inaccurate information from my report, but XXXX and XXXX bureaus have not. This an accurate fraudulent information is hindering my financial progress with my credit report.
Product: Debt collection

On XX/XX/XXXX the USA student debt relief company posing as a legitimate student debt forgiveness company, took out my personal information, such as my email and password to enter my studentaid and manage my account, thus making me believe that thanks to them and for contacting them they were going to forgive me the student loan up to XXXX XXXX dollars, that I only had to make an initial payment of {$120.00} for XXXX months until month number XXXX I would pay for XXXX months plus {$9.00} dollars, fraudulent arrangements of XXXX  dollars that would go to their pocket.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I have 2 fraudulent and unauthorized hard inquiries listed on my XXXX XXXX, XXXX and Experian credit report. The 2 hard inquiries do n't belong to me. The following hard inquiries are fraudulent and unauthorized : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX, XXXX XXXX XXXX, UT XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act everything has to be 100 % accurate on my credit report. The listed accounts below violated my federally protected consumer rights. The Credit bureaus have stated a proper investigation was performed but I find this to not be accurate or possible, the open dates are inaccurate, the dates last active are inaccurate, and dates last reported are not accurate, these are grounds for removal. On XXXX i sent a letter regarding the inaccurate and unknown things on my credit report. To this day over 30 days later I have not received any response. I feel like I've been taken advantage of and also being ignored. Section 611 ( a ), it's plainly stated that a failure to investigate these items within 30 days gives reasons to immediately remove these items from my credit report. It has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress caused in this process. 

The credit Bureaus also violated 15 usc 1681 section 623 ( 9 ) ( b ) ( 2 ) The credit bureaus are supposed to complete all investigations before the expiration of the period under section 611 ( a ) ( 1 ). 

The credit Bureaus also violated my rights under 15 U.S.C 1681 section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish an account without my written instructions. I haven't given these accounts written permission to furnish these accounts on my credit report In accordance with the fair debt collection practices Act. Debt collectors are not allowed to communicate with me under the 15 usc 1692C 1- ( XXXX XXXX  # XXXX ) Has violated my rights 2- ( XXXX XXXXT # XXXX ) Has violated my rights 3- ( XXXX XXXX # XXXX ) Has violated my rights 4- ( XXXX XXXX # XXXX ) Has violated my rights 5XXXX XXXX XXXX # XXXX ) Has violated my rights
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Contents of this complaint : This CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C. Section 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 XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists debt from XXXX XXXX XXXX XXXX with a balance of {$5700.00}, XXXX XXXX XXXX with a balance of {$10000.00}, XXXX XXXX XXXX with a balance of {$6600.00}. 
These accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. 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 that is being 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  XXXX as proof from the XXXX 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, credit repair services, or other personal consumer reports

According to the FCRA 15 U.S.C. 1681 e ( b ) and 15 U.S.C. 1681 b ( a ) 2 was not given my written instructions XXXX XXXX account number is XXXX .... 

XXXX states balance is {$3100.00} experian states balance is {$0.00} XXXX states balance is {$3100.00} date opened XXXX states XX/XX/2017 inaccurate experian states XX/XX/2017 XXXX states XX/XX/2017
Product: Credit reporting or other personal consumer reports

I want to discuss my recent review of the credit report acquired from your bureau. Upon certain scrutiny, I noticed the existence of reported late payments on my accounts and I disputing this incorrect information. I have done necessary steps to address and find out any postponed payments. I am amused to inform you that other credit bureaus have already took off these late payments from their records. I am peculiar about the discrepancy in reporting between your bureau and others. So I ask you to CORRECT and UPDATE the accounts stated below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX