23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

on XX/XX/23 i was added by a person on XXXX and they said they were looking for a friend just someone to talk to and in exchange they would pay me XXXX $ weekly I assumed it was a scam and called them a scam and they said they had " worked to hard to be insulted and be called such things as a scammer, and if you dont want my help then ill just help someone else i make my money in relastate i have no need to scam you. '' this made me rethink it and i said okay and we tlaked a little bit just asking how eaachothers day was that was all until the 2 days later when they texted me asking how my day was and saying that the check was ready to be sent and that they needed my email i said okay and gave it to them and they sent 2 XXXX $ fake checks that i deposited not knowing they were fake two days went by and on XX/XX/23 the fake money was posted in my bank acc ( Bank Of America ) the scammer instructed me to transfer XXXX $ via a XXXX ( i used XXXX XXXX ) they said they would hold the money and give it to me the following weeks if i was " loyal '' they then sent two more XXXX $ checks instructing me to transfer the remaining XXXX $ saying that i would get the money from the new checks i did so and the scammer then blocked me and i received a letter XX/XX/23 saying that the money was fake and was withdrawn back from my acc well sense i didnt know the moeny was fake and the fake money was transfered to the scammer they chargered me and my acc is now XXXX XXXX i called my bank and they said all i could do was file a police report.
Product: Credit reporting or other personal consumer reports

Despite multiple disputes, I am filing a complaint against TransUnion for failing to remove unauthorized credit inquiries from my credit report. 

Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX accessed my credit report on XX/XX/year> without my knowledge, consent, or a permissible purpose, violating 15 U.S.C. 1681b of the Fair Credit Reporting Act ( FCRA ). I never applied for credit or authorized these companies to pull my credit report. 

TransUnions Failure to Investigate : I have disputed these inquiries multiple times, yet TransUnion has failed to conduct a proper investigation as required by 15 U.S.C. 1681i ( a ) ( 1 ). Instead of removing these fraudulent inquiries, TransUnion has allowed them to remain, harming my credit profile.

Violation of Federal Law : By failing to investigate and remove these inquiries, TransUnion is in violation of : 15 U.S.C. 1681b Restricts access to consumer credit reports to those with a permissible purpose.

15 U.S.C. 1681i ( a ) ( 1 ) ( A ) Requires credit bureaus to conduct a reasonable reinvestigation of disputed items within 30 days. 

Requested Resolution : I demand that TransUnion immediately remove these unauthorized inquiries from my credit report and provide written confirmation.
Product: Debt collection

XXXX I called in and ordered the company to stop calling me. They have since called twice and are harassing me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute trough all three credit bureaus -- Transunion, XXXX and XXXX -- regarding my now-closed XXXX XXXX XXXX XXXX Secured Credit Card on or around XX/XX/XXXX. I stated that this account is more than seven years old and therefore too old to be on my credit report. When XXXX XXXX  responded to the dispute, they incorrectly reported that the account status is " 60 days past due. '' This is not possible. This account was closed with a XXXX balance in XXXX. When XXXX XXXX responded to the credit report disputes, they incorrectly reported that this account status is " 60 days past due, '' which has not adversely affected my credit score and ability to obtain credit. This account is closed and paid in full. Also, it can not have a current account status of " 60 days past due '' because the account is closed. Furthermore, the account never went 60 days past due, so this is even more incorrect. There are two errors here : The account was never 60 days past due and the current account status is being reported incorrectly as 60 days past due. The account status and derogatory account information must be updated and corrected. Finally, the payment history on this account never once shows that this account ever went 60 days past due. So, it's impossible for this account to be reported currently as 60 days past due. I have included screen shots directly from my Transunion credit file to substantiate my claims.
Product: Prepaid card

On XXXX XX/XX/XXXX, I attempted to follow specific instructions by Netspend/ skylight to cash out the amount of my payroll check to pay my mortgage and car payment as they do not accept funds from a prepaid debit card which is what my company uses to do paychecks until Direct Deposit is set up - that is a whole other issue, however, I took the netspend check to XXXX XXXX, followed the instructions, XXXX XXXX  could not in the end cash the check, but Netspend had taken the money from my card prior to the transaction being completed, then could not put the money back for over 4 business days even though I sent them the voided check the next day. This cost me over XXXX in fees and then I was told I could call them, get reference numbers and get the rest of my funds out, and now they say they can not do that. This is now the XXXX of XXXX and I still can not access my money outside of XXXX per transaction at a ATM which charges for each transaction and a limit of XXXX a day which will take me over XXXX days to recover my cash to put it in my actual bank account. I was told by my payroll person that Netspend/Skylight would be able to get me the cash in XXXX reference numbers/XXXX XXXX but that is not correct. I still have not been able to access my money other than using it for purchases which is not what I need.
Product: Debt collection

XXXX obtained a default judgment on a debt that was never verified prior to filing. At no time was I given any proof I owed money to Chase. The default judgment is now for {$15000.00}, when the original principal balance as per the paperwork in the judgment was only {$3300.00}. I am being told by XXXX my checking account has been frozen due to a levy being placed on it for {$30000.00}. Now our mortgage payment and any of my other monthly bills can not be paid from this account. Chase sold this debt in XX/XX/2008 and it was transferred 3 times, the last of which was XX/XX/2008. The case was in and out of the courts for 4 years, they kept postponing or not showing up. Now I have no access to my only bank account and need to pay my bills.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is continually reporting late payments on my credit file I was never late
Product: Credit reporting or other personal consumer reports

The attachments below are in regards to active disputes of information. 

XXXX ) XXXX  letter showing actual XXXX and Student loan amount award dated XX/XX/XXXX. 

XXXX ) XXXX letter showing XXXX award {$5800.00} with {$100.00} over payment. 

XXXX ) XX/XX/XXXX Experian credit report showing XXXX XXXX XXXX XXXX ( XXXX overpayment ) owed balance of {$100.00} in the amount of {$5200.00}, not the actual {$5800.00}. 

The creditor has reported the actual original balance incorrect on my credit reports since XXXX. Since XXXX they have morphed the {$100.00} owed from a student loan, to {$100.00} owed for XXXX XXXX. XXXX not sure if thats because of a clerical error or a fraudulent clerical error done to oppress myself the consumer. 

XXXX ) XXXX bank statement XX/XX/XXXX. The last XXXX hours I was able to obtain this information by reaching out to them. 

They still owe me {$1000.00} for a returned wire transfer payment that was cancelled by myself on XX/XX/XXXX. 

On XX/XX/XXXX XXXX reissued a new card and {$1000.00} check for the returned/ cancelled wire transaction. 

They sent this to my address in XXXX on XX/XX/XXXX, however it was returned to them as undeliverable. 

On XX/XX/XXXX I received a email stating that the XXXX was unable to deliver the return kit and card and that the check and card had been returned to XXXX XXXX. 

XXXX  XXXX XXXX  never re-issued the credit of {$1000.00} to XXXX XXXX towards any debt that I owed in my student direct loan or for my supposed XXXX overpayment. 

Im not 100 % sure XXXX has or has not received this money from XXXX  XXXX XXXX If so they never applied it to any of my old student loans or supposed XXXX overpayment balances. 

Still to this day, I have not received this {$1000.00} credit. The bank has never contacted me in regards to them still possessing {$1000.00} of money they owe to me. 

The transactions that show on the bank statement seem as if there was a clerical error or if there was something fraudulently done. 


I did however cash XXXX of the XXXX wire transfers that was done on XX/XX/XXXX for {$1000.00}. 

The bank info is : XXXX XXXX XXXX, a wholly owned subsidiary of XXXX XXXX XXXX XXXX Accounts provided by XXXX XXXX XXXX  XXXX Member FDIC XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting alleged accounts on my consumer report without my permission. Congress has said so and they are in violation. Attached is an affidavit of truth.
Product: Bank account or service

On XX/XX/XXXX I signed up online for a new checking account at 5/3 Bank under a promotion which offered a {$200.00} bonus after making 3 online bill payments and setting up a direct deposit. The offer states that a {$50.00} minimum deposit is required to open all checking accounts and obtain bonus. I made the 3 bill payments on XX/XX/XXXX and a {$50.00} payroll direct deposit on XX/XX/XXXX, thus satisfying all of the necessary requirements. The terms of the promotion stated that the bonus would be paid out within 6 weeks of completing the requirements. As of XX/XX/XXXX, I still have not received my bonus payment despite multiple phone calls to customer service. The bank is claiming that the offer required a {$500.00} minimum direct deposit, however the terms of the offer displayed online when I applied made absolutely no mention of {$500.00} minimum. The only minimum deposit amount mentioned in the terms was the aforementioned {$50.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with FCRA XXXX , has violated my rights. 

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

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

15 U.S.C. 1666B - A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX Have tried on Multiple occasions to get my free annual and now until XX/XX/2021 weekly credit report online and they will not allow me to get it. I have called on multiple days to request free credit report by mail or to fix online access they have not done so. They have mad me under the equifax lawsuit in federal court use all my free credit reports due to an issue on my acct they will not fix. the acct XXXX  XXXX XXXX XXXX does show charge off status missed payments and XXXX balance. that is incorrect and has been verified thru XXXX  XXXX XXXX to equifax on multiple occasions but they refuse to correct by law. they are in fcra violation on multiple occasions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have no business with XXXX XXXX  acct # XXXX in accordance with the Fair Credit Reporting Act this account has violated my rights. 

15usc 1681 section 604A states I have a right to privacy 15usc 1681 also states a consumer reporting agency can not furnish a account without my written instructions
Product: Debt collection

This debt says I owe XXXX XXXX AND XXXX opened on XXXX XXXX AND XXXX XXXX. I have attached my Change of Address form from where I transferred from XXXX  to XXXX  XX/XX/2020. I am not in a XXXX area. How is it possible to open one account 1 month then a second one again. I can not understand this company and its policies.
Product: Credit reporting or other personal consumer reports

Experian is reporting erroneous information on my account, and it is preventing me from access to any freedom in my life. It is hurting my credit score, and I've written them multiple letters since 2022, to no avail. 
The names and addresses are incorrect and I need them updated. I have mailed them a letter requesting they update it ( please see the attachment for said letter ), to no avail. 

I have also requested that they REMOVE the COLLECTIONS from my account as Experian is in violation of 15 U.S.C. 1681g because they have not verified nor proven any of that they are reporting. Yet, they continue every month to report these harmful errors. The letter I sent to them regarding this matter is also attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

Cancl paid subscription for score on Experian, after cancelation... report showed last updated XXXX as of XX/XX/XXXX. Filed complaint and now service is asking to pay to update scores for both XXXX and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

it is showing on XXXX report that I have a derogatory account with is not mine, That information was opened on XX/XX/XXXX, I did not even had a credit history in that time, not even a social security nor a ITIN number, this information is fraudulent and I already call to the bank to check the information, now its remarked again. 
I reviewed my Consumer Reports and noticed that there was an inaccurate account ( s ) on my credit report ACCOUNT XXXX Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with maximum accuracy. 

I contacted XXXX and asked for them to investigate & remove the inaccurate account from my consumer report that they are illegally reporting and I requested specifically the alleged original application bearing my signature and they have not been able to provide such proof to me. 

This is a violation of the Fair Credit Reporting Act, and these disputed items may not appear on my credit report if they can't be verified by any evidence or proof. 

XXXX Credit Report Check your credit report for signs of theft, fraud, or error. 

Updated : XX/XX/XXXX Back to Credit Summary Accounts With a Negative Pay Status LENDER TYPE BALANCE BANK OF AMERICA COLLECTION/CHARGEOFF Credit Cards {$0.00} Status Date Reported XX/XX/XXXX Payment Status Collection/Chargeoff Account Status Paid Account Details Account Type Secured credit card Responsibility Individual Credit Limit {$300.00} Credit Used 0 % Available Credit {$300.00} Highest Balance {$400.00} Date Account Opened XX/XX/XXXX Date Account Closed XX/XX/XXXX Payment Details Date of Last Payment XXXX XXXX XXXX Monthly Payment {$0.00} Payment Frequency Not Reported Worst Pay Status Unknown Lender Info XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX XXXX XXXX Remarks Payment after charge off/collection. Settled - less than full balance.
Product: Debt collection

This has been an on going problem for over a year. I received a call from a XXXX XXXX who claims to represents Allied Interstate XXXX XXXX his contact number is XXXX XXXX XXXX. XXXX is trying to allegedly collect a out of state family members, debt that I have no knowledge of nor am I cosigner for this family member who I have no contact with. The phone calls are continuously coming at all time of the day and night.
Product: Debt collection

The collection company is Midland Credit Management based on the number search. They call numerous times a day from various numbers. 
I've received calls from : XXXX ; XXXX I'm not sure why this company is allowed to change their number/hide their number when they call. In the past I've indicated that they are not contact me via phone. The only communication is via mail. 
I worked with them on a prior debt which has been paid in full. I don't agree with the way you are served by a private process server. I'm confused how MCM is allowed to operate the way they do vs other collection companies. I've never been harassed by other creditors or agencies until dealing with MCM.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed that my XXXX XXXX  account XXXX is inaccurately reporting a late payment. However, all payments have been made on time, and this late payment notation is incorrect. Under the Fair Credit Reporting Act ( FCRA ) 623 ( 15 U.S.C. 1681s-2 ), furnishers of information are required to ensure the accuracy and completeness of the data they report to consumer reporting agencies. Reporting information with actual knowledge of errors is a direct violation of this law. 

The credit reporting agencies have an obligation to maintain accurate and up-to-date records. My account has never been late, and I have attached a copy of my credit report reflecting this error, with relevant dates highlighted for reference. The incorrect late payments are reported as follows : * TransUnion incorrectly reports a 30-day late payment for XX/XX/year>. 
* Equifax reports no payments history at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX did a hard credit pull on my credit report without my permission. I have not done business with them in years and my account has been closed for years. They were not authorized.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I asked for a supervisor I was told that none would be available and if they were the answer would be the same as the agent. That being said, I recently won a court settlement regarding XXXX XXXX. They were providing inaccurate information regarding my report. When I told the Agent I had a court order that states the information is to be removed, she said they do not investigate or dispute information. they are merely a data furnisher and they would submit my information to the creditor and if the creditor determines ( not the XXXX XXXX XXXX ) thst it is to be remooved then they will remove it, I explained that for 4 years they have been supplying bad information and that is why I got the court order, and she repeatedly said, If the creditor decides it will be removed. Not the judgement of the US Court. The creditor has been the problem with reporting bad info the entire time, but she said that regardless of what I submit, its what the creditor says, not our courts that matter. Does anyone see a problem with this besides me? If Experian is a data furnisher they should be accepting data from the US COURT system as well as the crooked creditor.This needs to be a lawsuit against EXPERIAN even more than the creditor. They should not be allowed to do this. If cfpb doesnt handle this asap i plan on taking them to court myself. this is insanity. We still live in the United States, and the law is the law, not what a creditor says is the law!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is reported with inaccuracies. I sent all 3 bureaus a dispute and asked them to do a full investigation, verify, and remove the incorrect information. After I received their results with no changes I did my own due diligence I found improper inaccuracies remained as derogatory on my reports. They did not provide proof that this is my debt. The 3 credit bureaus did an improper investigation. 

According to the Fair Credit Report Act Account # XXXX violated my rights - 15 USC Section 6028 States that I have a right to privacy. 15 USC 111681 Section 0 604 Section 2 also states the consumer reporting agency can not furnish an account without my written instructions. 

Account name XXXX XXXX Account number XXXX Recent balance {$520.00} as of XX/XX/XXXX Date opened XX/XX/XXXX Status Collection account. {$520.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX XXXX XXXX Address identification number XXXX Original creditor XXXX XXXX XXXX  XXXX  Type Collection Terms 1 Months On record until XX/XX/XXXX Credit limit or original amount {$520.00} High balance $ 0 Monthly payment {$0.00} Recent payment amount {$0.00} Date of status XX/XX/XXXX First reported XX/XX/XXXX Responsibility Individual Comment Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ). 
Reinvestigation information This item was updated from our processing of your dispute in XX/XX/XXXX. 
Comment history Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ) .| XX/XX/XXXX - XX/XX/XXXX Affected by natural or declared disaster.| XX/XX/XXXX Account history XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Payment history guide Collection as of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX to XXXX XXXX Balance history The following data will appear in the following format : Date : account balance / date payment received / scheduled payment amount / actual amount paid XX/XX/XXXX : {$520.00} / No data/ No data/ No data XXXX XXXX : {$520.00} / No data/ No data/ No data XX/XX/XXXX : {$520.00} / No data/ No data/ No data XX/XX/XXXX : {$520.00} / No data/ No data/ No data XX/XX/XXXX : {$520.00} / No data/ No data/ No data XX/XX/XXXX : {$520.00} / No data/ No data/ No data XX/XX/XXXX : {$520.00} / No data/ No data/ No data XX/XX/XXXX : {$520.00} / No data/ No data/ No data XX/XX/XXXX : {$520.00} / No data/ No data/ No data XX/XX/XXXX : {$520.00} / No data/ No data/ No data The original amount of this account was {$520.00}
Product: Money transfer, virtual currency, or money service

XXXX XXXX XXXX XXXX owns the XXXX XXXX XXXX that was leased to XXXX XXXX. XXXX XXXX had a claim filed with XXXX XXXX. She received a XXXX party repair check made out to her and XXXX XXXX XXXX XXXX XXXX XXXX XXXX the check at Wells Fargo bank without the endorsement from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX did not endorse that check or authorize it to be cashed. We filed a forgery claim with Wells Fargo bank through XXXX XXXX on XX/XX/XXXX when the XXXX XXXX. adjuster was reassigned. Wells Fargo has not responded to either of us. They also have not sent a packet to XXXX XXXX. accounting dept. like they advised they would. Wells Fargo 's claims line stated that they can not help give an update on the claim without their claim file # on this packet. XXXX XXXX. has advised they have not received the file. Neither us nor the insurance company can get an update on the forgery claim. Wells Fargo is unresponsive.
Product: Credit reporting or other personal consumer reports

I recently sent in a complaint to Credit Acceptance about late payments they are reporting to the 3 credit agencies. Credit Acceptance responded saying they are in compliance witht the fair credit reporting act but I completely disagree. I have attached their response with my written notes and violations Credit acceptance is clearly in violation of without a doubt. I want this account to be updated before I think about pursuing for damages that I could be entitled to under the fcra. I've been looking hard into this using the CFPB 's resources and reading up on the law and I'm more than sure I am correct. I am sending this via mail to Credit Acceptance as well and now copy the NJ state attorney general. This account continues to damage my character unfairly and I need resolve