23daVinci/CFPB_Complaints huggingface dataset:
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  Account Number : XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Payday loan, title loan, personal loan, or advance loan

Although I have purchased the involuntary unemployment insurance that was encouraged that I get upon applying for my loan One Main is still insisting that I make a payment so that I can be approved for financial assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the C.L.U.E . Report and other furnished Lexis Nexis, XXXX XXXX, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX XXXX. My current and only address is XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX I have unknown or fraudulent addresses appearing on my credit report and I am requesting that these items be removed and updated. Please remove the following addresses : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MI XXXX XXXX XXXX XXXX, XXXX, KY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, IA XXXX XXXX XXXX XXXX, XXXX, MI XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, NY XXXX
Product: Checking or savings account

I called chase because i noticed unrecognized transactions that were made via XXXX XXXX from my account. {$75.00} worth leaving me with XXXX cents, I explained to chase i dont know what happened it was a new card that I havent even have activated for a full week. I honestly did not make the purchases and never had my chase debit card hooked up to XXXX XXXX  which was one of the merchants that took money from my card. The dispute was investigated and not ruled in my favor and now my account is negative {$75.00} I am extremely frustrated because I cant understand why I am penalized for an action on my account that I did not do. I hope you can help me get this resolved. Any proof that is needed I am glad to provide thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion LLC XXXX XXXX XXXX  XXXX, PA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPARTMENT OF EDU DEPT OF ED/XXXX US DEPT ED DPT ED/XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPARTMENT OF EDU DEPT OF ED/XXXX US DEPT ED DPT ED/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPARTMENT OF EDU DEPT OF ED/XXXX  US DEPT ED DPT ED/XXXX
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX, and I am writing to file a formal complaint regarding several inaccuracies on my credit report that are negatively impacting my credit score. Despite my persistent efforts to resolve this issue directly with the reporting agency, it remains unresolved. I request an immediate investigation and removal of the following incorrect items, as they do not accurately reflect my true credit history : XXXX XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX Amount : {$430.00} XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX {$480.00} XXXX XXXX Date : XX/XX/XXXX Amount : {$2200.00} XXXX XXXX  XXXX  Date : XX/XX/XXXX Amount : {$770.00} XXXX XXXX  XXXX Amount XXXX {$3200.00} XXXX XXXX  Date : XX/XX/XXXX Amount : {$210.00} I am confident that these items are erroneous and do not reflect my true creditworthiness. I kindly request that your agency conducts a thorough review and takes the necessary steps to correct these inaccuracies promptly. The continued presence of these inaccurate items on my credit report is causing undue harm to my financial reputation and credit score. 
Please acknowledge receipt of this complaint and inform me of the steps that will be taken to rectify these errors. I appreciate your immediate attention to this matter and look forward to a swift resolution. 
Thank you for your cooperation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXXtransunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days XXXX they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact Transunion more than XXXX times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE
Product: Credit reporting

i told them i had no knowledge of the collection contacting me i also had a public record that was vacated but its on my credit report.
Product: Mortgage

in XXXX of XXXX i was given a HELOC by Washington Mutual bank Interest Only for a maximum loan amount of {$100000.00}. I paid on the loan, paying some on the principal of which i had problems with the bank applying all payments to my account. I received the amount in 2 payments $ XXXX {$55000.00}. XXXX, XXXX the bank realized they had made a mistake in issuing the full amount to me, they had no instrument to collect any fees or interest, and at the time unknowing i signed a loan modification for an additional {$50000.00}, amount i never received, to cover fees and interest rates. I had to do a loan modification after Chase bank took over Washington Mutual due to accelerated interest rates on credit cards and the modification included a deferred amount of {$79000.00} plus an unpaid balance of approx. XXXX which i am currently paying. I am requesting Chase to either absolve the deferred amount or allow me to negotiate it down so that i may have the ability to refinance my current mortgage at a lower rate as i would like to remain in home. I am XXXX XXXX XXXX on a fixed income and it is a hardship for me to try and continue to be self sufficient. As i have been advised by Chase if i don't pay the HELOC my home may end up in foreclosure, even though it was discharged in bankruptcy 10 years ago
Product: Credit card or prepaid card

My store credit card was upgraded and converted to a XXXX without my consent. I received the new XXXX during the summer and, again, without my knowledge or consent, the old store card was canceled and my charges were transferred to the new XXXX. My bank information and recurring payments, however, were not transferred over to the new account. As a result, the balance on the card was not being paid timely. I have now racked up some late fees due to an account conversion that I did not authorize.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report so I can move on with my life. XXXX XXXX XXXX XXXX   Equifax : XXXX XXXX : XXXX XXXX  : XXXX, XXXX XXXX Equifax : XXXX XXXX:XXXX XXXX : XXXX, XXXX XXXX Equifax : XXXX XXXX : XXXX, XXXX XXXXXXXX : XXXX..
Product: Money transfer, virtual currency, or money service

Paypal closed my account for no reason and wish not help me to get it back, I thought that was a mistake, but I can not do anything about it. Anyway, I can not get help from them, and I was informed that I can withdraw the balance after 180days. However, I noticed the total amount of $ 8,623.39USD has been taken by Paypal from my account on XX/XX/2020. I was trying to get help from them, but they told me they can not tell me too many details about that. I feel like I can get help from CFPB, so I file a report here. I think you can handle this for me properly. I used paypal frequently, the only thing I want to do now is to get the money back from paypal to my account, and withdraw the balance. The email used for my paypal is XXXX.
Product: Vehicle loan or lease

Capital One is furnishing inaccurate and incorrect information to the Consumer Reporting Agencies. 

The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and household uses. 

You and your inaccurate reporting has damaged my livelihood.
Product: Credit reporting or other personal consumer reports

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still accounts that need to be fixed. The XXXX Credit Bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be fixed as soon as possible. 
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

Violates FCRA reporting policies. This company has reported this account being 'charged off ' 34 times!!

An account can not be charged off 34 times.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is reporting incorrectly that I am ( 120 ) days late on the XXXX/XXXX  partial account number XXXX. ( Please see page attached from my credit report. I have also attached a copy of my drivers license for identification purposes. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a {$0.00} balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. Also, Transunion is reporting this account as not in dispute. This account is in fact in dispute and this language needs to be reflected on my credit report. The Fair Credit Reporting Act states that I... Have the right to dispute incomplete or inaccurate information. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report, as well as not to report accounts that are in dispute. This false reporting is seriously harming my credit score and this line item needs to be updated and/or completely removed from my credit report. Again, I have contacted the bureau multiple times to review this account however, I have not been successful.
Product: Credit card

Target is reporting an account on my credit report that was found to be in violation of the Fair Credit Reporting Act. I hired XXXX XXXX, an FCRA attorney in New Jersey, and we were able to sue them and the credit bureaus, and I won. As part of the settlement, they agreed to delete this account on my credit report but I see that it is still on there. I even disputed it with the credit bureaus and they came back and verified it. Is n't that another violation of the FCRA?
Product: Credit reporting or other personal consumer reports

This morning, I discovered that my credit report contains incorrect accounts, and I have no idea how they got there. As part of my usual routine, I checked my credit report, but this time, I noticed unexpected discrepancies. I even tried refreshing my browser, thinking it might be a temporary glitch, but the errors remained. Given this issue, I request a thorough review of the documents I have submitted so that I can put this concern to rest permanently.
Product: Credit card or prepaid card

This account is still pending a response. I have responded to Synchrony Bank as requested by email or mail. Email was my choice being that I have sent many letters to the company, and it is has become very costly. I still have not received a response back as of the day since I responded back to them. The email was sent on XX/XX/XXXX at XXXX, XXXX. Normally I can receive an email but can't send one. Email provided was, XXXX. I have provided all necessary documents and pictures of information sent to company, was sent out in this email. Below was my response to email. Some of the information was provided in my last statement. For my privacy I wish to keep some of the information Private and use what I sent. If needed all documents will be uploaded in another complaint. Thanks!

Hi, I have sent multiple letters and copies of verification of the negotiable instruments sent in to set-off this account. Synchrony Bank has failed to give reason of why, it was not credited to the account, and havent made any adjustments. It was even stated to me that they didnt receive the negotiable instrument, but they received the letter that came with it. The negotiable instrument meets all requirements according to the negotiable instrument act XXXX. NEGOTIABLE INSTRUMENT ACT HJR XXXX of XXXX XXXX XXXX XXXXXXXX trade and endorsement of the bill of XXXX XXXX XXXX Enclosed are the copies of the negotiable instruments, and letters sent to the XXXX and XXXX of SYNCHRONY BANK on XXXX XXXX and Synchrony Home.
Product: Credit reporting, credit repair services, or other personal consumer reports

Around XX/XX/XXXX I notice my credit dropped. XXXX XXXX XXXX XXXX a charge of XXXX dollars and said I paid XXXX dollars on the account. They also said I had another name on the account. The account they had was not mine the account numbers didn't match. I had an Equifax dispute. The only they did was update the account numbers. The payment of XXXX dollars was not mine. This account has been closed since XX/XX/XXXX.
Product: Consumer Loan

I have been late on my loan payment since my husband lost his job. I have made a deferred payment for XX/XX/2016 payment. They make calls and leave messages for me every day, send me mail. Which is fine I understand the loan needs to be paid. Now they came to my home. Calling all of my references repeatedly. I already explained to them my situation. They came to my home yesterday, spoke with my husband. So we know the situation. I am making every effort to try to get the money together. Still today they call my father. He has a XXXX XXXX. I do n't need him to know that I am having problems paying my bills. Once a week, mailed letter is fine to remind me that I am late on my payment. This is harrasment. Springleaf bank/One main Financial.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, my identity was stolen and use to acquire credit cards found out about it a week later made a police. 
report. Reached out to XXXX Froze my credit and locked it, also reached out to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX letting them know that this wasnt me and my identity is stolen and transfer me to the fraud department so I can start an investigation. Two weeks later, three credit bureau deleted the credit cards, but Equifax still have the hard inquiries up there, which is her in my credit score. can somebody please help me get these hard inquiries deleted off my Equifax report, please. 
Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently requested a copy of my credit report & seen unauthorized hard inquiries. This is a violation of the FCRA under section 604 permissible purpose. 

TransUnion - XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX- XXXX, XX/XX/XXXX - XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXXCITI CARDS CBNA, XXXX, XXXX, XXXX - XXXX, XXXX, XXXX, XXXX
Product: Bank account or service

My son received an UN solicited debit card in the mail today ( XX/XX/2018 ) from Netspend. 
( issued by XXXX ). The fine print says that that he received the card/ " We received your name and address because you indicated interest in receiving offers similar to this one. '' My son did not/ has not done so.The additional fine print says " To decline this card offer and/or opt out of future mail offers from us, call XXXX, e-mail consumer XXXX, or write to : XXXX, TX XXXX. Please allow 30 days for processing of your request. '' Please advise as to my son 's recourse in this matter. 
I want to decline/ ignore this UNsolicited " offer '' but we do NOT wish to " play their game '' of having these scammers continue to bother us. 
Thank- you for your prompt attention and action on this matter. 
Sincerely : XXXX ( fatherXXXX XXXX XXXX XXXX
Product: Debt collection

on XX/XX/XXXX i received a notification from Experian notifying me that a new account has been added to my credit file, upon me checking my credit report i learned that the new account was from XXXX, which is a company i dont have any knowledge of, Additionally my credit file indicated this account was opened in XXXX of XXXX HOWEVER i have a Fraud alert on my credit file where any new accounts must be verified by me before opening and no one has contacted me to verify that it was me opening the account. 

Please provide me with a copy of any original documentation documentation ( a consumer contract with my signature on it ) required under section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). I would also like to know your method of verification used to verify this account which is required under Section 611 ( a ) ( 1 ) ( A ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA - you are required to promptly DELETE all information which can not be verified
Product: Credit reporting, credit repair services, or other personal consumer reports

Although I had experienced identity theft, and had been communicating with Exeter Finance and have been unable to successfully come to a common ground. Rather, they just keep saying the account has been verified and have not taken time to respond with anything other than that. I realize that these companies make money from making bad reports and this is not fair to my family and I especially at this time.
Product: Bank account or service

On XX/XX/2017 account # XXXX was closed by BB & T. This was done without my knowledge or consent. I received a letter from BB & T on XX/XX/2017 explaining that they were going to close account # XXXX. The letter dated XX/XX/XXXX did not arrive at my door until XX/XX/2017 explaining that I had seven days to bring the account current. It did not mention account # XXXX that was in good standing with {$0.00} balance after a XXXX from BB & T illegally and without court order removed {$400.00} from this account. I believe that the closure of this account was meant as harassment by XXXX.
Product: Checking or savings account

My Robinhood accounts were restricted, I provided all requested information including ID, photo, bank statements. Spoke with customer support and confirmed all account activity is legit. But there is still no resolution. Accounts are blocked for 10 days.
Product: Checking or savings account

Someone hacked my account. They deposited a {$9500.00} fraudulent mobile deposit & then issued 3 wire transfers on the same day for the fraudulent amount deposited. 

Whenever I deposit a check, it usually takes one week to clear. This happened with a {$300.00} check that was recently deposited into that account.

Citibank allowed the mobile check to be credited to my account that same day & allowed the 3 wire transfers to go out the same day.