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

On XX/XX/XXXX, I identified an unknown charge of {$21.00} to XXXX of my credit cards, under the name " TransUnion. '' I then noticed that this charge had been occurring every month since XXXX, XXXX. On Friday, XX/XX/XXXX, I called the XXXX number associated with that charge in the credit card statement and asked the representative what those charges were for. The company alleges I signed up for a credit monitoring service in XXXX of XXXX. I do not recall ever signing up for this service, nor have I ever used this service. During the call, I asked the company to immediately cancel this " service, '' which the representative agreed to do ( attached is the cancellation confirmation ). After a thorough search of my e-mail and paper receipts, I could not find any records of an agreement or enrollment ( attached is a screenshot of the results of searching " 'transunion XXXX credit monitoring '' on my XXXX XXXX. I believe I was deceived into enrolling or otherwise improperly charged for this service. An internet search has revealed hundreds of similar reports from consumers who have faced a similar problem with this company and " service. ''
Product: Student loan

Forgive my loans by law, removing interest, and principal for my employment meeting requirements of working for a XXXX XXXX XXXX XXXX XXXX XXXX XXXX, following suit with legislation. The only thing that happened was getting deferment until 2025, that is not student loan forgiveness for a first XXXX XXXX meeting requirements for working at XXXXXXXX XXXX XXXX  CASE, ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

To Whom It May Concern : The reason for me writing is to seek your assistance with my mortgage company with the modification of my mortgage loan ; and to restricted them from dual tracking proceeding with the foreclosure while my loss mitigation application is pending. 

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

Back in  XXXX  o f 2016    XXXX   XXXX   posted negative information on my credit history. I disputed with  XXXX  and the other  XXXX  credit reporting agency on  XXXX   XXXX ,   XXXX  , and the negative information was removed from my account on  XXXX   XXXX ,   XXXX  .  XXXX  gave me a confirmation #  XXXX  after deleting the negative information.   Aft er one ye ar the same negative information reappeared under different collection agen cy (   XXXX   XXXX   XXXX   ).   XXXX  did not send me any letter and did not help me remove the negative information. The amount in dispute is {$170.00}. All the credit agency also have many wrong addresses on my file. I was told I can not do it online but I have to call them. When I call the number provided, they phone keeps disconnecting and unable to reach a customer service rap. I never lived at  1  )  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  Colorado  XXXX  2 )  XXXX   XXXX   XXXX   XXXX   XXXX  CO  XXXX   XXXX  )  XXXX   XXXX   XXXX   XXXX   XXXX  CO  XXXX
Product: Debt collection

I have disputed this account and have asked for rental agreements, signed consents and my permission to collect on a debt that i do not owe them. I have never lease from this collection company nor the company they are collecting on. The credit bureau has always come back stating the information has been verified as accurate but I haven't gotten anything after calling and requesting the information they have verified. Each time I call the company at XXXX and ask for the information I receive the round around.
Product: Checking or savings account

My debit card was cloned after my last use at a cafe at XXXX XXXX XXXX, my debit card was used at a currency exchange location multiple times the same times as i was on my flight, i reported the activity upon seeing the charges and filed a police report. Chase wont refund me my money. 

I was at XXXX XXXX XXXXXXXX XXXX My last authorized charge was at XXXX XXXX XXXX XXXX XXXX XXXX for {$14.00}. 

After that charge XXXX XXXX did a currency exchange charge of {$770.00} plus a foreign exchange rate adjustment of {$23.00}. 

Then another XXXX XXXX currency exchange {$630.00} plus a foreign exchange rate adjustment of {$19.00} on XXXX this second charge was made after i had already reported the problem in person at chase bank in XXXX XXXX XXXX XXXX and card was supposedly suspended. 

I filed a claim and showed copy of police report and they wont honor the claim, i am retired and can not afford to lose that money, i rely on this little amount of money from my retirement to survive
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX of 2022 I paid my account like always car payment of XXXX and had a balance of XXXX that wasn't record as of today I paid my car payment as of today current and the credit bureau still have I owe XXXX in the customer portal I owe XXXX I contact the credit bureaus I contacted the Credit Acceptance INC who holds the title and they're keep saying their recording I have all my credit reports it's not record. I need some assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

- I have dispute several times with Transunion my account already closed in XXXX. I still keep disputing this with XXXX, but it has been demonstrated the account was paid in full, and the last dispute with Transunion is showing that information. However, they keep showing in the remarks it was paid less than full balance. Attached doc. - From my loan with XXXX company, I'm missing at least one payment in my transunion report. This payment was done and reported by the company. Attached doc.
Product: Credit reporting, credit repair services, or other personal consumer reports

Re : Unauthorized Credit Inquiry While reviewing a recent copy of my [ XXXX ] credit report I noticed a credit inquiry by your company that I do not recall authorizing.
I understand that you are allowed to put inquiries on my file, but only if I have given my authorization. Please have this inquiry removed from my credit file as soon as possible. I have sent this letter certified mail because I need your prompt response to this issue. I would greatly appreciate receiving a written response that you have had the unauthorized inquiry removed. If you find that I am mistaken, then please send me proof of my authorization. <P/>Thanks in advance, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I'm unable to open an account with Experian due to having an irregular XXXX name which doesn't allow their system to verify my identity. 

Their call center has been less than helpful after three attempts of contact and they won't actively pursue a solution. 

This has been one of the most humiliating and XXXX experience I've had since moving to the US.
Product: Credit reporting or other personal consumer reports

Im filing this complaint because TransUnion has mishandled my credit report. The XXXX XXXX account, which I previously disputed and had deleted, has been reinserted without any written notice or proper verification. This is a clear violation of the Fair Credit Reporting Act ( FCRA ) and my rights as a consumer.

Under 15 U.S.C. 1681b ( 2 ), any reinserted account must have a verified permissible purpose, but I havent been given any proof of this. 15 U.S.C. 1681e ( b ) requires TransUnion to ensure that all reported information is accurate, but putting this account back without proper verification shows they failed to meet that obligation. Finally, 15 U.S.C. 1681n holds companies accountable for willful violations, allowing for statutory damages of {$1000.00} per violation.

This improper reinsertion has caused unnecessary harm and demonstrates negligence. Im requesting the immediate and permanent removal of this account and for TransUnion to be held responsible for violating my rights under the FCRA.
Product: Mortgage

With the following statement and attached documents I want to show an error in the Outstanding Principal Balance of my mortgage loan. 

My original loan mortgage amount is {$160000.00}. As for ( XX/XX/XXXX), I  made a total of 14 regular monthly mortgage loan payments. The regular monthly payment amount ranged from XXXX XXXX, and the regular monthly amount applied towards the Principal Balance ranged from {$270.00} to XXXX ( {$270.00} average ). If we keep it simple, 14 payments at  {$270.00} equals a total of {$3800.00} that should have been applied towards my Principal Balance. Therefore, my outstanding Loan Principal should be of approx. {$150000.00} and NOT of {$150000.00} as it shows in my last loan statement ( XXXXXX/XX/XXXX ). 

The origin of this error is a cascade of miss-adjustments done by Huntington Bank in XXXXXX/XX/XXXX to reverse an automatic regular payment done from my Asterisk Free Huntington Checking account towards the Principal of my loan on XX/XX/XXXX. 

I used to pay ( XX/XX/XXXXto XX/XX/XXXX) up front monthly regular payments with personal checks as shown in Transaction History attached document. I was not aware that Huntington Bank set up automatic payments from my free asterisk checking account until I received a notification of Not Sufficient Funds ( NSF ) in XX/XX/XXXX. At that moment, I requested a reversal of {$1000.00} to my checking account and to suspend automatic payments from my Huntington Free Asterisk Checking Account in order to avoid double monthly payments ( Personal checks and Huntington Checking Account ) This statement and the documentation provided ( Loan Payments -Transaction History MSU-FCU, Asterisk Account History ) with this letter should clarify this issue. I demand an immediate action to correct my principal balance : a reimbursement of approx. {$780.00} towards the Principal Balance of my mortgage loan. 

After all it has been 1 year since I brought this problem to the attention of Huntington Bank and despite my efforts, it has not been solved yet. 

I would like a detailed explanation from Huntington Bank Thank you for your understanding
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint, to inform you about some issues with my credit report. I have always made my payments on time. For some reason, I realized that there were late payments on my credit report and I do not believe I was late on the dates they are reporting. These accounts should not be showing the current status of late since it's already been paid for. It seems impossible to accrue late on accounts that have already been paid. Correct the following accounts immediately : DEPT OF EDUCATION/XXXX XXXX Balance : {$6600.00} ; DEPT OF EDUCATIONXXXX XXXX Balance : {$4900.00} ; DEPT OF EDUCATIONXXXX  XXXX Balance : {$4700.00} ; DEPT OF EDUCATIONXXXX XXXX Balance : {$4000.00} XXXX DEPT OF EDUCATIONXXXX XXXX Balance : {$3800.00} ; DEPT OF EDUCATIONXXXX XXXX Balance : {$2600.00} ; DEPT OF EDUCATIONXXXX XXXX Balance : {$2600.00} ; DEPT OF EDUCATIONXXXX XXXX Balance : {$2400.00} ; DEPT OF EDUCATIONXXXX XXXX Balance XXXX {$2300.00} ; XXXX XXXX XXXX Balance : {$130000.00} XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Transunion, and XXXX XXXX XXXX on XX/XX/XXXX about an unauthorized inquiry on my credit report, that was reported by XXXX XXXX XXXX on XX/XX/XXXX. I requested that the inquiry be deleted. I have attached a copy of both letters that I mailed certified. Neither Transunion nor XXXX XXXX XXXX have responded to my correspondence, nor has the inquiry been deleted from my credit report. Transunion did send me an updated credit report per my request in my letter, but did not address the deletions of the inquiry. I have never applied to, nor do I have any inactive or active accounts with XXXX XXXX XXXX.
Product: Checking or savings account

I have been a victim of identity theft, in which my navy federal account was compromised due to fraud. I have tried to reconcile with navy federal numerous of times but have not got a fair decision. I included a police report prior and am now also including a FTC report. Please dismiss this account so that I can continue doing business properly as I was prior to my identity being stolen.
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  Account XXXX XXXX XXXX Account name : XXXX XXXX XXXX Account # XXXX Account name : XXXX XXXX.Account # XXXX .. Account name : XXXX XXXX XXXX XXXX. Account # XXXX Account name : XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX..Account name XXXX XXXX..Account XXXX XXXX XXXX.has violated my rights. 


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: Credit card or prepaid card

On XXXX XXXX 2017, JP Morgan Chase closed all 5 of my credit card accounts without warning, and despite perfect payment history for the entire history of my relationship with Chase. I did not violate any terms of service, did not make any suspicious or unauthorized purchases, and was simply told by the customer service representative that I was determined to be a 'risk ' due to the amount of credit cards from Chase I had. This was despite being recently approved for a new Chase card. I would have certainly preferred Chase decline my application, rather than allow me to be approved, only to go over some unknown thresh hold and terminate my relationship. I attempted to call and appeal the decision, but was brusquely informed that there was no appeals process.
Product: Checking or savings account

There were a series of unauthorized reversals done on my account in a three to four day period. The reversals in some cases were payments I made over six months ago. There were a total of at least over thirty reversals done on my checking account without me knowing. This activity is considered suspicious and I don't understand how this didn't raise any alarms to my bank 's fraud department. As soon as I noticed the suspicious activity I notified my bank. They had me supmit information to the fraud department. Now my bank is holding me responsible for the funds that has been stolen out of my account wich they allowed of XXXX withdrawals with out questioning not one of them nor noticing this is malicious like behaviour. I don't understand how over XXXX XXXX follars of reversals are allowed in a three day period from payments mafe months ago were not detected by my bank. And on top of that they are holding me soley responsible for the missing funds. My bank is J.P. Morgan Chase.
Product: Credit reporting, credit repair services, 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. 
XXXX # XXXX has violated my rights XXXX XXXXXXXX # XXXX has violated my rights XXXX # XXXX has violated my rights XXXXXXXX XXXX XXXXXXXX # XXXX has violated my rights XXXX XXXX XXXX # XXXX has violated my rights XXXX XXXX # XXXX has violated my rights XXXX XXXX # XXXXXXXX has violated my rights XXXX XXXX  XXXX XXXX has violated my rights XXXX XXXX # XXXXXXXX has violated my rights XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights XXXX. XXXX XXXX  # 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 CONSUMER REPORTING AGENCY CAN NOT FURNISH ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS 15U.S.C ( A ) ( 5 ) 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 RPORT BY MORE THAN SEVEN YEARS 15 U.S.C 1681 S-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: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I applied for a home to lease for my wife and XXXX year old XXXX XXXX. We now have to live in a hotel since XXXX, XXXX On XX/XX/XXXX the management, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, informed me that according to my credit report I was being sued by XXXX XXXX XXXX XXXX , XXXX XXXX XXXX, XXXX Lanlord at my residence in XXXX , XXXX  . I was on a month to month verbal lease after leasing from him for 5 years we had decided to move to XXXX that is why we did not renew lease and went on month to month. After informing XXXX XXXX and asking for our deposit since he never sent us a termination letter. His verbal agreement stipulated that we should pay {$850.00}. or move. Since my job started in XXXX. XXXX, we went ahead and moved we believed we had duly complied with his request, Consequently we can not lease a home or apartment in XXXX, XXXX befitting for my XXXX   XXXX. I am complaining about Landlord XXXX XXXX not contacting me about his intentions which is so frustrating and killing our livelihood by reporting to all three credit bureaus inaccurate information. Currently we reside in a hotel for the last two month and are having a hard time making ends meet. My family and I would appreciate a reaging since the information he has reported on credit file is inaccurate, unverifiable and was not disclosed in his oral agreement.
Product: Checking or savings account

XX/XX/2024 My account was restricted with no response from the company why and my funds are in my account unable to to withdraw
Product: Debt collection

A negative deptcollection appeared on my credit report on XX/XX/year>, affecting my credit score and negative results on my credit.

I sent this company a debt request information latter to explain to my where this dept is coming from because it doesn't belong to me.
Product: Mortgage

I attempted to make my first mortgage payment to  US  Bank before the due date by phone  XXXX   XXXX   XXXX   XXXX .  US  Bank informed me that they would charge me $  XXXX  {$5.00} as a service fee if I wanted to pay by phone. I hung up as I would make the payment next week ( on  XXXX   XXXX  ) once I had internet access and could pay online.     On  XXXX   XXXX ,    2017 I  attempted to set up automatic payments, but was informed that the first payment could not take place until  XXXX  as it was now past  XXXX   XXXX . I set up automatic payments and then undertook the additional process of making a  one  time payment. I noticed that I was going to be charged a {$5.00} convenience fee for paying online. I called  US ba nk to try to identify a no fee way to pay my mortgage, and they informed me that I could open  a US B ank account to avoid the fee if I wanted to. They refused to waive the fee, even as a  one t ime courtesy.     I suggested that they  may be  in violation o f Dodd Frank, as this fee was never disclosed to me in the mortgage signing process. They assured me th at this is how they treat all of their customers.     I lost {$5.00} because of this deceptive practice.
Product: Debt collection

USAA has not taken action regarding a letter I sent them on XX/XX/2020. I have not gotten any confirmation from them regarding the matter and I am concerned. This matter is causing me a lot of stress sand XXXX. I don't know why I must spend so much time trying to fix the mistakes by USAA regarding this autoloan.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this letter to bring to your attention the presence of Inaccurate and Incomplete information on my Credit Report, which was recently discovered while I was in the process of applying for New Employment which can be considered an adverse action. 

I have obtained a copy of my credit report and found several items that are not correct, and I am concerned that these inaccuracies have adversely impacted my ability to obtain employment at this time. 

I have been advised by a legal acquaintance that these inaccuracies can be considered an adverse action under 15 U.S. Code 1681a, specifically section 603 ( k ) ( b ) ( ii ). As such, I kindly request the immediate correction and updating of the following accounts on my credit report : Inaccurate and incomplete Information : 1. 15 U.S. CODE 1681I - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX Account Number : XXXX Delete From My CREDIT REPORT 2. 15 U.S. CODE 1681I - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX Account Number : XXXX Delete From My CREDIT REPORT 3. 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT XXXX  Account Number : XXXX Delete this account. 
4. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/2023 Delete this account. 

XXXX. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX, XXXX, XXXX, XXXX, XXXX, XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Medical payments under XXXX $ not being removed from credit report companies
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, I recently checked my credit report XX/XX/XXXX and there were a few errors on my credit account that I was told would be removed from my credit report but yet Is still reporting. I am just trying to get everything accurate. Due to everything going on In this world with the XXXX, I have had more time to look at my report and notice these errors. 

Late Removal XXXX XX/XX/XXXX ( I was told by there customer service. I would be given a goodwill adjustment and that this was going to be removed from my report report ) Hard Inquiry XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX When I found out about these XXXX accounts I closed them right away as I never opened them and they were not authorized by me. If anyone can show any validation of me going to there stores signing anything. Never happened. They had agreed to remove these hard pulls from my account since I never authorized the card. The way the Customer Service rep explained was these cards will be removed from credit report all together since I owed no money and gone from Inquires since I never applied for them ) Factual Data XX/XX/XXXX not authorized by me ( I believe this to be fraud ) XXXX Bank XX/XX/XXXX not authorized by me ( I believe this to be fraud )