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

I have been in XXXX since XXXX XXXX - until XX/XX/2019. Went into wells Fargo bank showed them the discharge papers from been released from XXXX and the papers when I got XXXX I have to go through this process is stressful when I have to go with the law on fraudulent people identity is not acceptable in USA. So why is the financial institution letting people get away with it because they doing the same thing, Don't care about people getting their identity stolen so they can straighten their credit out. Thank you
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report Experian is reporting a hard inquiry without my consent XXXX XXXX XXXX XXXX this needs to be removed immediately. 
I'm a victim of fraud as of XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Failure to receive a credit report as advertised On a website called XXXX there is suppose to be a way a consumer can get a credit report from each of the three credit bureaus once each year. I went to the site this morning with the goal of getting my three reports one from each reporting agency. In the process of following the promts I receive a file from XXXX and XXXX   that was what I expected. They both were PDF files with the information that I requested. 
The Problem was with Experian. I got a print file option, I ask for the file to be Print to File, the file that was sent to my computer was sent to Note Pad and totally unreadable. There was no option to get any other format. I tried to call Experian using the phone number provided on their website XXXX. This was also a problem because there were only two options provided 1 or 2. Neither option provided a way to talk wiith someone about my issue. 
I am writing this complaint because Experian has not provided me a copy of my credit report and I want to receive a copy. If they are not going to provide a copy through the XXXX XXXX website they should remove their business. Other wise it is being falsely advertised. 
I am especially concerned because last year I ran into a problem with Experian not providing me access to my credit report through their online system. I also found out through happenstance that they had frozen my account without any notice to me. I spent valuable time going through your agency attempting to get those issues resolved. I would like to know how is it that they seem to be unethical and continue to have a license to operate.
Product: Checking or savings account

Discovered on XX/XX/2023 several fraudulent ACH transactions in an Wells Fargo account I manage for a XXXX XXXX XXXX. There were a total of 8 unorthorized ACH tranactions for credit card payments totaling {$33000.00} which started in XXXX XXXX 2023. Upon notifying the bank they returned 2 transactions for {$4500.00}. The remaining they told me could not be reimbursed because they were not notified soon enough. The local bank manager put me intouch with another department within the bank and they said they would contact the credit card companies and try to get the remaining money. They were only able to get another {$11000.00} leaving {$16000.00}. After several calls and promises of call backs that never happened and finally last week I was told the case was closed and we would be out the {$16000.00}. The {$11.00} returned was from transactions in XXXX and XXXX well beyond the limit on notifications. We opened this account last XXXX and other than the fraudulent activity their were no checks or credit card transactions. This leads me to believe our information was piriated internally at Wells Fargo. Also there is a remaining tranaction of {$9000.00} that has no institution associated with it and Wells Fargo can not provide that information.
Product: Debt collection

I mailed this company certified mail and return, XX/XX/XXXX and it is now XX/XX/XXXX still no responds in the timeframe of 15 days
Product: Credit card or prepaid card

Bank of America Credit card XX/XX/2021 I made a {$9.00} mistake and did not send enough money XX/XX/2021 I was charged {$1.00} interest which I paid XX/XX/2021 I was charged the {$1.00} again XX/XX/2021 I called to complain and was told that was how accounting worked and I would have to pay it, but after much discussion, the representative told me that they would credit me the {$1.00} So you might say that the problem was taken care of, but it NEVER should have happened in the first place. How many others get caught in this scam?
Product: Credit reporting, credit repair services, or other personal consumer reports

I originally contacted this company in early XX/XX/XXXX about some incorrect information on my credit report. I had a lot of inquires I did not authorized on my account. I was told to send in a letter listing the inquires I didn't authorize. Ok great, so I sent a XXXX letter to the company informing them of the inquires that weren't authorized by me. ( on or about XX/XX/XXXX ) Fast forward to today, I called transunion to ask about the status of my letter and was told the only way they will delete them is if I call all of the places, get letters from them, then file a police report for fraud, put a fraud alert on my credit and mail all of these things to them. 

This is absolutely absurd. I'm now demanding that you step in and require them to delete these unapproved inquires off of my report as I believe they are now hendering my ability to obtain credit. I'm well aware of my rights under the FCRA as well as the only reasons an inquiry should even be listed on my report. ( firm offer of credit, insurance, employment or court order ) NONE of these following inquires meet this nor have I authorized them. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX 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 XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX When I contacted transunion today I got information I believe to not be true and I am so upset that a company that is under law suppose to verify every piece of information is going to make the consumer out to be a liar. I was told most of those inquires only count as one. But that is false because they are reporting on my credit report as individual hard inquires. 

TRANSUNION ISNT ABOVE THE LAW.
Product: Checking or savings account

I deposited a check on my account they closed my account and told me they would mail me the remaining balance that was left on the account I have never received a check in mail in over XXXX days
Product: Credit reporting or other personal consumer reports

My account with XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in 60 days to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several inaccuracies on my report that I didnt authorize these accounts violating my rights according to the FDCPA. The Credit Reporting agency continues to violate my rights according to 15 USC 1692. " Any bad debt furnished on your reports is ruining your reputation and it's defamation of character '' I am requesting that the credit agencies stop reporting these accounts and violating my right according to the 15 USC 1692.

These inaccurate reported accounts are causing my family and my growing business emotional distress. These missed payments have been inaccurately reported.
Product: Credit reporting, credit repair services, or other personal consumer reports

I check my credit report and I found fraudulent accounts not belongs to me please removed them.
Product: Credit reporting or other personal consumer reports

Today I received updates about the disputes results regarding the account XXXX with Department of Education/ XXXX XXXX I have multiple paid accounts with the lender Experion 's investigation concluded the account is schduled to remains on all credit profiles. 

Since the information from the accounts will remain Department of Ed/ XXXX needs to accurately report my detailed information. 

Department of Education isn't currently reporting my payment history, my credit length on my credited account, or account status. 

Today, a lender denied me based upon credit history length being inconsistantly reported being improperly reported, Please update my information
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not the person responsible for the charges made on the accounts. Equifax, XXXX, XXXX put stuff on my credit report without even warning me about it. I never received any correspondence from them.. These accounts were fraudulently opened in my name. I am a victim of identity theft and did not make the charges..I am requesting that the items be blocked to correct my credit report XXXX XXXX ( ORIG CREDITOR : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ),
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Equifax and XXXX are reporting 5 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 2nd dispute letters to Equifax, XXXX and XXXX since XX/XX/2021 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is something I am submitting on my own initiative ; a third party is not involved. HOW IS THAT POSSIBLE IF THE OPEN DATE, THE DATE LAST ACTIVE, AND THE DATE LAST REPORTED ARE NOT ACCURATE? THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED. THEY VIOLATED MY RIGHTS UNDER THIS JUSTIFICATION FOR REMOVAL, AS WELL. 

According to 15 U.S.C. 1681 Section 602 A, I HAVE A RIGHT TO PRIVACY.

It also states that a consumer reporting agency can not furnish an account without my written instructions ( 15 U.S.C. 1681 Section 604 Section 2 ). 

SEE ATTACHED LETTERS, PLEASE.
Product: Consumer Loan

UAC/Carhop harasses people everyday even after they talk to them. They also sell cars that have problems from the get go and wo n't fix. I am only 18 days behide and get calls or emails everyday even though I have spoke to them. I explained the reason for it and they come up with every excuse in the book.
Product: Credit reporting or other personal consumer reports

I have sent multiple letters to this creditor to get this inaccurate account removed from my credit report. It has been more than 60 days and still no change which is a defamation of my character with false and misleading items that are not verified on my report. I wish to have this removed immediately. I do not owe eastern accos in the amount of {$190.00}
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a 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 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts. 1 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) have 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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Auto loan for my financed XXXX XXXX XXXX XXXX was sold outright and was paid in full on XX/XX/XXXX, and a paid-in-full letter was obtained by the lienholder ( XXXX ) on XX/XX/XXXX XXXX evidence the payoff on this account. 

Currently, this account is still showing a balance on my credit reports from XXXX, XXXX and Experian. This is in violation of the Federal Credit Reporting Act, because the information reported by all three bureaus is misleading by perception, supported by 15 U.S.C. 1681. 

Email address : XXXX Mailing address : XXXX XXXX XXXX XXXX, XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX, Equifax and XXXX Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please update the following accounts completely from my Credit Reports : XXXX XXXX XXXX Balance : {$490.00} XXXX XXXX XXXX Balance : {$650.00}
Product: Credit card or prepaid card

Returned items purchased from XXXX are showing as Refunded in both my XXXX and Paypal accounts however these charges are not being credited from my Paypal account balance. Subsequent statements show that refunded items still shows up in the balance that I still owe. As a result I still have to pay for items by the expiration date even though these items have already been returned, the same issue I'm having with XXXX and Synchrony Bank ( case #  XXXX ).
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. We've talked to the bank & they've agreed to remove the accounts. BUT TransUnion has some internal block which they're claiming they can use to not block the account because they feel they're above the law. When questioned why they're not accepting the XXXX report they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the XXXX report ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy... 
XXXX XXXXXXXX Date Opened : XX/XX/2015 Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has caused me adverse action by telling Wells Fargo Bank and XXXX XXXX bank that I do not have a credit score. XXXX has caused me financial hard through adverse action by reporting inaccurately to these companies. As a result I have been damaged in the amount of {$100000.00} in the form a Wells Fargo loan that I was denied for and a XXXX XXXX worth {$60000.00} that I was denied. This was all because XXXX gave the companies inaccurate and unverifiable information.
Product: Credit reporting or other personal consumer reports

My name XXXX XXXX is under XXXX different social security numbers. The one I was given after birth shows as invalid or incorrect. The social that is incorrect is XXXX digit off and shows all of my addresses emails cars etc., it has hindered me from building credit as I get approved for a secured credit card and it gets marked as fraud because it comes back as fraud with my real social. I have reported this to XXXX XXXX and with you before and nothing is done. Social security cant help because they cant run a social security number that I do not have a card for but theres a number that has all of my information that is not mine.
Product: Debt collection

They will not answer what services I paid for or what the debit is for in detail.
Product: Debt collection

XX/XX/2016 I received multiple phone calls not only on my cell phone but my place of employment. Not only was I being harassed by this debt collector, but my employer/HR team was harassed by XXXX XXXX! During my second conversation with XXXX XXXX she started harassing me telling me " I heard about you ... '' which I am guess she had a talk with " The management group '' before contacting me. Not one phone call was XXXX polite nor was she professional. After multiple times asking her NOT TO CALL MY WORK, she continued to do so, being very unprofessional, Rude, disrespectful and threatening me ( As I stated before saying " She heard about me, or she was ( warned ) about me. '' Also telling myself and my HR team that they " legally have to give all of my information to her. '' If this is not harassment I do n't know what is. Since then I have not heard from this debt collector so I am guessing this debt has been dropped.
Product: Checking or savings account

On XX/XX/22 I tried to send a {$350.00} XXXX  transaction to my friend but Truist sent me a message saying that the transaction did not go through but took the funds out of my account and will not give me my {$350.00} back. I have called Truist everyday but no one will help me nor will they put a supervisor on the line so I can take care of this. Ive been left on hold by an agent name XXXX and she never returned to the line for 1hour and 30 mins. Ive called in and asked to speak to a supervisor and was transferred to the beginning of the Q to wait another hour by and agent name XXXX. They have the worst customer service ever. Ive never experienced anything like this before. They will not give me my funds back and not sure what else to do.
Product: Consumer Loan

I made a {$1500.00} payment in XXXX of 2015 to One Main Financial, which brought my loan balance down to {$6900.00} and should have paid my loan up for 5 months. I subsequently made a payment of {$270.00} in XXXX, which brought my balance down to {$6800.00}. I also made a {$270.00} payment in XXXX and XXXX but neither of those payments was applied to my balance. On XXXX XXXX, when I noticed the balance had not changed on my statements since XXXX, I contacted One Mail Financial. The manager, XXXX, stated that the accumulated interest is the reason my payments were not applied to my balance. 

I asked him how that could be when the {$1500.00} payment I made in XXXX should 've have covered my payments for at least 5 months. He could not give me an explanation other than saying the interest still accrued, even though my monthly payment is {$260.00}, and I paid {$1500.00} to cover my next XXXX payments.
Product: Debt collection

I received a email from XXXX  on XX/XX/XXXX at XXXX stating that there was a new collection item added on my report. So I contacted the company and a guy answered the phone and he appeared to already have my name and date of birth the moment he received the call. I confirm my date of birth with him and then I proceeded to state the reason of my call. I wanted to know what and why this debt was added to my report. They guy states where the debt came from in which I have no knowledge of the company and the debt supposedly be from the year of XXXX, so of course I really dont know where this came from. I asked the guy if he can send me proof of the original bill from this supposedly company and thats when the chaos started. This guy begins to accuse me of not responding to the original bill from XX/XX/XXXX, he told me he cant send me a copy of the original statement and that he already told me where it came from. He also accuses me of ignoring the original statement and each time I spoke he began speaking over me. He was not allowing me to talk or respond so our conversation became really chaotic to the point that I got upset and began yelling. To end the chaos I hung up and I will not be contacting this company again. I am very upset at how this one employee handled my situation when it all couldve been so simple had he communicated in a professional manner. All I wanted was the original bill or statement that says that I am responsible for this bill Im which I will pay if Im responsible. I will not tolerate disrespectful behavior as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a credit inquiry from Fairway Independent out of WI. I did not apply for any lending and I did not even recognize the bank so I reached out to find out what was going on. 

After speaking to an agent there, he told me they received an application and went ahead and processed it. I have an XXXX XXXX fraud alert in place, and asked if they had called to verify before using my social security number. They did not. 

He told me there was nothing he could and only said seems like this is a personal deal in my opinion. I then asked for a copy of the application and one could not be provided to me. 

I am now not receiving a response from the business after asking if they have a fraud department in house.
Product: Debt collection

The IRS has officially discharged and canceled this purported debt/security, as evidenced by the submitted IRS Form 1099-C for debt cancellation. I am supplying a copy of this form to the debtor. Despite this, Safco continues to pursue collection efforts and is making misleading claims regarding a debt that has already been canceled according to IRS records. I request that all communication cease immediately.