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

Transunion is reporting inaccurate information on my credit profile with XXXX XXXX XXXX. The Credit Bureau is reporting my XXXX payments as late after I reported that the information being reported was incorrect.
Product: Credit reporting or other personal consumer reports

I have continued to ask for a signed contract with a wet signature and can not get them to produce XXXX. This loan was taken out online and is fraudulent. 

XXXX XXXX XXXX reported XX/XX/XXXX {$1800.00} Reported balance. 
Highest balance {$3300.00} You've paid off 45 % of this loan. 
Checking for errors? Review your full report details. If you find any issues, we can help. 
OVERVIEW Highest balance {$3300.00} Monthly payment {$100.00} Opened XX/XX/XXXX ( XXXX yrs, XXXX mos ) Term XXXX month CONTACT INFO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX ( XXXX ) XXXX
Product: Debt collection

Put block on my checking account which has my rent in it which now I can't pay and didn't offer to set up payment plan in order to release the block on my bank account.
Product: Credit reporting or other personal consumer reports

I am writing to dispute certain items on my credit report that I recently investigated. Upon review, I discovered unverifiable, invalidated, inaccurate, and questionable items that were reported by your agency. 

Under the Fair Credit Reporting Act ( FCRA ), it is imperative that all information on my credit report is accurate and verified. However, the items in question do not meet this standard. Specifically, they violate 15 U.S Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) as they are not reported accurately. 

I am attaching copies of all letters previously sent for your reference. I kindly request that you conduct a thorough investigation into these discrepancies and promptly correct any inaccuracies found. 

Thank you for your attention to this matter. I look forward to receiving a response and resolution in a timely manner.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent several letters to the credit bureaus in regards to this matter and have received no response. There is fraud showing on my current credit report and it needs to be removed immediately. 1 loan account listed as XXXX  and a XXXXXXXX XXXX  credit card with a {$26000.00} balance. I have attached my FTC report, listing the accounts as well. Please removed immediately!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  did not delete inaccurate reporting by XXXX XXXX XXXX of a charge off in the amount if {$1.00}. This charge off was reversed and the account was reopened.
Product: Credit reporting, credit repair services, or other personal consumer reports

TRANSUNION TWO MONTHS AGO, I WAS HAVING PROBLEMS WITH TRANSUNION REPORTING AND AFTER CONTACTING TRANSUNION I FOUND OUT I HAD AN UNWANTED AND NON REQUESTED FRAUD ALERT. I INFORMED THEM I WANTED IT REMOVED. THEY TRANSFERED ME TO THE DEPARTMENT WHERE I HAD IT REMOVED. 
ON XX/XX/2020 I ATTEMPTED TO APPLY FOR A CREDIT LINE AND I WAS DENIED. IT WAS BECAUSE TRANSUNION HAD A FRAUD ALERT IN PLACE AGAIN EVEN AFTER I HAD IT REMOVED, WITHOUT AUTHORITY. 
I ATTEMPTED TO SPEAK TO SOMEONE TO NO AVAIL I AM CONSISTENTLY HAVING LIKE ISSUES WITH TRANSUNION AND XXXX. I AM INTERESTED IN FINDING OUT WHY THERE IS UNWARRANTED ACCESS TO MY CREDIT REPORTING WITHOUT CONSENT.
Product: Credit reporting or other personal consumer reports

I am very very upset because Experian and XXXX XXXX  because they have caused my credit score to drop XXXX points because of inaccurate information being reported. I have disputed this XXXX XXXX  Account ( XXXX ) and the balance is {$0.00} and you all made an error and insert a unauthorized balance of {$7800.00} balance on my credit file, causing my credit score to drop XXXX points. Before I disputed this account, it was {$80.00}, which was still incorrect. I am HIGHLY upset and is about to seek damages through litigation because the balance is {$0.00} and have been like that for over XXXX months now. I am requesting for this account to be updated immediately or to removed from credit file immediately, if you all can not comply with 15 USC 1681 or HJR 192 of 1933 acts. Please comply immediately. Thanking you in advance!
Product: Checking or savings account

Reported theft of funds by debt card. Bank refused to refund fraudulent charges. under Electronic Fund Transfer Act the bank must do so. The stole about {$3000.00} the bank under the law must refund anything over {$500.00}
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605 ( b ) ( c ) of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt Bondage which lead to identity theft and legally having to change my name. I would like for all listed accounts, names, public record and inquires to be blocked and delete company information of XXXX. Please delete the following accounts, names, public record and inquires : Accounts : Creditor : XXXX  XXXX Account : XXXX Balance : {$520.00} Date : XX/XX/XXXX Creditor : XXXX XXXX Account : XXXX Balance : {$32000.00} Date : XX/XX/XXXX Creditor : XXXX XXXX XXXX Account : XXXX Balance : {$24000.00} Date : XX/XX/XXXX Creditor : XXXX  Account : XXXX Balance : {$2500.00} Date : XX/XX/XXXX Creditor : ( XXXX ) XXXX XXXX XXXX Account : XXXX Balance : {$1000.00} Date : XX/XX/XXXX Creditor : ( XXXX ) XXXX XXXX XXXX  Account : XXXX Balance : {$1000.00} Date : XX/XX/XXXX Creditor : ( XXXX ) Dept of Education/XXXX  Account : XXXX Balance : {$12000.00} Date : XX/XX/XXXX Creditor : ( XXXX ) Dept of Education/XXXX Account : XXXX Balance : {$2100.00} Date : XX/XX/XXXX Creditor : ( XXXX ) Dept of Education/XXXX  Account : XXXX Balance : {$1800.00} Date : XX/XX/XXXXXXXX  Creditor : ( XXXX ) Dept of Education/XXXX  Account : XXXX Balance : {$3700.00} Date XXXX XX/XX/XXXX XXXX XXXX ( XXXX ) Dept of Education/XXXX  Account : XXXX Balance : {$1800.00} Date : XX/XX/XXXX XXXX XXXX XXXX XXXX ( City of XXXX XXXX ) Account : XXXX Balance : {$580.00} XX/XX/XXXXXXXX  XXXX XXXX XXXX. XXXX. XXXX ( XXXX XXXX XXXX ) Account : XXXX Balance : {$540.00} Date : XX/XX/XXXXXXXX  Creditor : XXXX XXXX XXXX ( XXXX ) Account : XXXX Balance : {$540.00} Date : XX/XX/XXXX Creditor : XXXX XXXX XXXX XXXX Account : XXXX Balance : {$6100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Vehicle loan or lease

Nissan put account as delinquent on credit. The account was paid on time. Nissan said it was credited to wrong account on their end and verified not delinquent. Credit score dropped almost XXXX points due to this false information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Requested several times to remove fraud alert from my Equifax credit report. Please remove fraud alerts from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. 

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

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

XX/XX/XXXX and XX/XX/XXXX I went to bed at XXXX watched my account They then added XXXX  four times by XXXX XXXX.This happened to add with putting any notice in mail or email.Not showing me what the charges for.I had XXXX yesterday.All paid for items.Everything stated posted besides my items at XXXX  XXXX and at that time everything else was posted and paid. 


I had a talk with XXXX head offices today.They informed me that they were fully paid on the XXXX of XXXX.The fees were in turn removed by pnc today and repaid to them. And pnc added fees to my account after illegally charging me for back dated items that was already paid for.Items on XXXX still under posted.Did not get charged for those.Yet they back dated removed the item paid already and repaid them and charged me fees 4 XXXX  fees.They stated that it was already paid and should not have had any fees.They did not post anything with pnc.The charges came out XX/XX/XXXX and XXXX.They were paid in full.But told me pnc took the money back and paid it back witch gave me those fees.That should not have happen.They did not do it instead pnc did it and gave me XXXX  fees four times.They did it by pulling fully paid items and turned them negaive when they were already paid.XXXX  agrees that should be paid back or a lawsuit for illegally trying to collect fees not owed.They said pnc paid them and then pulled it back and paid again.And today was a ton of XXXX for other items that was posted as paid items that was back dated before XXXX.It was paid so why charge for items that they back dated.I notice they do this a lot.Took XXXX in XXXX  fees for XXXX worth of its that was paid.I had just got my social security today and they stole XXXX from me.And I would like my money back and for this to be investigated for fraud activity by pnc. 


Hi I need to dispute these XXXXfees.I had moneyin my account and It was not negative.I woke up to four different transaction of XXXX.I will dispute these as well with fairshake.That should not be there.XXXX Spent XXXX at XXXX XXXX and woke up to all these fees when I had money an dno notice on these fees no 24 hours went by just instantly posted XXXX  times four..I need my money back in the account .That is just not right.Instantly post that.Been watching my account very close.This is no day later it posted to add fees several times on porpose. 

I need my money back.I will be moving and I am working with a loan mortgage .And this should not be on here when it was not negative.I am contacting XXXX attorney Because I am being charged when having money in the account and everything posted.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a complaint 1 month ago about my issues with XXXX NOT reporting my credit cards that I pay for monthly for good history. I have a total of 7 cards that should be reporting on each of my credit bureaus, and it is not. They are reporting on my Transunion and XXXX properly. XXXX is the only bureau not reporting correctly. 

CFPB said this has been resolved with XXXX and it has not. 

This is causing me denials for loans, credit cards, and more because lenders pull from XXXX first. This is unethical for me as a consumer because I have worked hard to maintain good payment history and credit age. The lack of reporting is preventing me from benefiting from my financial responsibility. 

Furthermore, I also have bankruptcy accounts showing up on my report and they should not be due to id theft and discharge. I have been discharged and none of these creditors should be shown on any of my credit reports with any bureau. The following lenders are not supposed to be showing on my credit report due to identity theft : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX  XXXX XXXX XXXX Account number XXXX Address XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX Account number XXXX Address XXXX XXXX XXXX XXXX, UT XXXX Phone number ( XXXX ) XXXX n accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I have already tried to sort this out with Equifax. They have letters from me on XX/XX/2022 & XX/XX/2022. 

I have requested the removal of these hard inquiries as I did not initiate them, I did not verbally authorize them neither did I authorize this to happen in writing. These inquiries by these companies are fraudulent. 

I am asking once again, for the 3rd time for the removal of these inquiries. They are : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX This is 8 ( eight ) inquiries that MUST come off my credit report. I have backed this request up already with a police report which Equifax already has in their possession from a previous mailing. The other 2 bureaus.. XXXX and XXXX have already removed these inquiries. 

PLEASE REMOVE THESE INQUIRIES and send me an updated and CORRECT FULL copy of my credit report to my current address. 

Also, My name continues to be INCORRECT on my EQUIFAX report. On my Equifax Report dated XX/XX/2022 My name is showing as XXXX XXXX XXXX... THIS IS NOT MY NAME! My legal name is : XXXX XXXX, which they have all the copies of my social security card and driver 's license so there should not be ANY excuse to not have my personal information correctly updated in my file. 

Please CORRECT my name to : XXXX XXXX
Product: Mortgage

I have submitted numerous hardship applications over the last XXXX months and PenFed claims they can't find them, or can not locate additional information I sent them at their request etc. Even when they were given tracking numbers, they took no action and I was foreclosed. I managed to get out to the foreclosure, and resubmitted again, but this time they denied my request due to a math error ( {$500.00} ) in my P & L statement. When I found this out I immediately called and was told that I would have to resubmit again but I sent in the " corrected '' XXXX & XXXX the day I spoke with the agent, which was the day I received their letter denying ( again ) my request but have heard nothing despite requesting to be contacted. I have written to the XXXX and their XXXX XXXX to no avail. 

This is clearly a pattern and practice to obtain financial benefit by fraudulently claiming loss of documents etc so that they may foreclose on property for their financial benefit. The documents I have are substantial and I will be pleased to mail them if needed. However, PenFed has all the documents I suspect, unless part of their fraudulent practice is to lose them.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, After checking my credit report. and learning I had a charge off on my credit report from XXXX XXXX I sent them a account validation letter. On XX/XX/2017 I sent XXXX finance in XXXX, MD the debt validation letter concerning the charge off on my credit report. I asked for a validation of this debt. I wanted them to send me a copy of the original signed contract. On XX/XX/2017 they sent me a letter stating they have reviewed their records and determined the information reported to the credit reporting agency was correct. They did not provide me with a copy of the contract as the law requires. I have attached a copy of the letter they sent me. This is not a validation of a debt. I also disputed the information on my credit report with XXXX, TransUnion and XXXX but the credit dispute has not removed the information from my credit report.
Product: Money transfer, virtual currency, or money service

I purchased cryptocurrency from Binance XXXX using my bank account my bank account declined the transaction after the cryptocurrency was already deposited into my account therefore leaving me a negative balance that I owed them I deposited money from my bank account back into finance so that they can take the amount owed which they have already I have sent them countless support tickets trying to get A resolution for them to unlock my account so that I may withdraw my funds but my account has been locked due to risk management I received one email back asking if they have taken care of my problem and it has not been solved to this day no responses back from binance XXXX they have nearly {$5000.00} of mine locked in a new account and I would like to regain access ticket # XXXX
Product: Credit reporting

I have tried but they will not provide me with my report. Also there information about me is wrong and out dated.
Product: Credit reporting, credit repair services, or other personal consumer reports

Quickly prepare and forward a careful documentary review demonstrating that these tradelines appear without errors on my credit report and that any statutory guarantees are not summarily refuted. 

1. XXXX XXXX
Product: Credit reporting or other personal consumer reports

There is a XXXX XXXX. on my Experian credit file that is in collection for {$820.00}. This is a problem account because I do not recognize this creditor as someone I took credit from. The other problem is that when I try to dispute this account with Experian, there system tries to tell that the account is called XXXX XXXX XXXX. Pease remove the XXXX XXXX from my credit profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments. In accordance with FCRA, I am requesting these accounts to be reviewed for completeness and accuracy, and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Bank account or service

received letter from Bank of America for intro. 0 % interest on balance transfers for 18 months. Called B of A, gave credit info. and was approved for a balance transfer from XXXX for approx. XXXX. I told the person I wanted to set up automatic payments at {$100.00} per month and he said no problem. I would receive a form in the mail to attach my routing no., accnt. no., and a blank check and send the info back and that would take care of that. I also stated I wanted my payments to be taken out around the XXXX of the month. I had sent the form in immediately, and expected everything to be taken care of. 
I opened a statement 3 weeks ago and learned I was late paying ( did n't make a payment in XXXX ) and needed to make a payment of about {$110.00}. to bring the account current. I called Bank of America and asked them why they had not taken {$100.00} payment and they stated I either had to make a minimum payment ( {$67.00} ) or pay the account in full. No other payments were accepted. That is not what I was told when I transferred balance. Also, my payment due date was the XXXX of the month, not the XXXX of the month that I had requested. Bank of America 's representatives give incorrect information. I closed the account this date ( XXXX/XXXX/16 ), because I do not feel B of A is either up board with info., or the representatives are incompetent. I had been charged {$60.00} in late fees, which they refunded, and I also asked that they refund the 3 % fee I was charged to do a balance transfer ( approx. {$110.00} ). I feel B of A should refund the 3 % transfer fee I was charged when I initially contacted them because I had to pay another 3 % fee to get away from them ( I did a balance transfer to XXXX today ).
Product: Consumer Loan

In XXXX XXXX ; I purchased a XXXX Ford Edge from XXXX XXXX in XXXX XXXX XXXX. After about 1 month of jumping thru hoops, of needing more documentation. etc. The loan was picked up by Westlake Financial Customer Care XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX - ( XXXX ) XXXX. The loan payments were to be made starting in XXXX XXXX, at XX/XX/XXXX, I received an adverse action letter stating they were not extending credit due to a timeline in getting the documents back to them. I called and after 3-4 days, it was finally confirmed that the loan was ok, and that I need to make the payment. I arranged this payment over the phone at that time. Due to the agent transposing the routing number, the payment was returned. I immediately called, confirmed with them the routing # was incorrect, and made another payment., resolving the issue. Since that time, I had made payments for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Then XX/XX/XXXX, the payment was due again, I go online to pay the loan, and see there is a payment in full stamp on the loan. It was after hours, and I was going to call the next morning. That night, the dealership sent out a tow truck to pick up my vehicle. The driver stated the loan did not go thru, and that it was a first payment default, stating MY down payment of {$5600.00} AND monthly payments for 6 months ( {$620.00} ) totaling {$3400.00}, additionally I had to repair a gas line ( {$50.00} ) Did my self so no receipt ; then {$100.00} for an oil sensor and {$470.00} for an alternator for another {$620.00}. This was NOT a first payment default, and if it were, how did it take you 6 months to determine this? IT WASN '' T, not only did they get my first payment, they took 5 more! I have attempted to contact the dealership, and for a week now, they just keep telling me they are trying to work on it, and are now refusing to return my calls. I am out {$9600.00}, plus the cost of having to rent a rental car for transportation while they " figure it out ''.