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

XX/XX/XXXX .16 - VW reported me being late 30 days for a payment that they had extended to the end of my loan due to the settlement I was going through with VW Group of America.
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 XX/XX/XXXX .16   XXXX    reports FICO score dropped  XXXX  points same day as VW 30 day late report hit the bureau.
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 XX/XX/XXXX .16  XXXX  Credit Limit decrease ( never been late or slow on any payments and paid more than minimum amount )  XX/XX/XXXX .16   XXXX   XXXX   XXXX   XXXX   Credit Limit Decrease ( never been late or slow on any payments and paid more than minimum amount )  XX/XX/XXXX 16  XXXX  Credit Limit Decrease ( never been late or slow on any payments and paid more than minimum amount ) You see the affects of have a company 's false report affect someones accounts. I have never had any kind of late payment, slow payment, or missed payment on any account I have.
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Why are companies not being held accountable. They should be fined if they falsely report information and damage consumers credit. I now can not get my credit lines put back to where they are so it puts my utilization through the roof.
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Please help me. I do n't have money to go and hire a credit lawyer or anything like that.
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I have statements from VW showing that my account is in good standing and that it is paid off but they will not update my report.
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How can the damage that was done be fixed. All I get from the bureaus is that I need to rebuild my credit and let it take time, but i did n't do anything wrong. What is the remedy for this?
Product: Credit reporting or other personal consumer reports

To whom it may concern, I am writing to dispute the following information in my file. I recently received a copy of my credit report and I notice there is an unauthorized credit inquiry made by the company listed at the end of this document. To my knowledge, I have not signed any documents authorizing the company in question to view my credit report. The listed inquiry was without authorization, and for no legitimate business purposes. As such, it is a very serious error in reporting. I never authorized such action, and this constitutes a violation of my rights under the fair credit reporting act S604 as well as a violation of my rights to privacy. I am requesting your credit bureau to initiate an investigation and to determine responsible parties in the unauthorized credit inquiry. As part of your investigation, please send the names, business addresses and phone numbers of those who made unauthorized credit inquiries so I may contact them directly. In addition, I request a copy of any documents authorizing credit inquiry and signed on my behalf so that I may verify its validity. If you find that I was not the one who authorized this inquiry, I ask that it be removed immediately from my credit file. Please be so kind to forward to me documents that you have had the unauthorized inquiry removed. If you find that I am in error, please send proof of this. According to the provisions of S612 ( 15 us S 1681j ), there should be no charge for this report. 
Thank you. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I have contacted Transworld Systems Inc. several times to get the alleged XXXX account validated. This account is {$380.00} and I was never sent proper information to validate this alleged account. My last certified request for validation letter was sent XX/XX/21. This last request was never responded to. Because Transworld Systems failed to respond, this account must now be removed from all credit reporting agencies. Ive attached 2 different certified and return receipts but Ive contacted this company more than that. This negative invalidated collection account has prevented me from obtaining credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted ( 2 ) online disputes with Experian. The first time, they listed a US dept of Ed account as a loan with terms of 1 month and several missing and incomplete pieces of information or conflicting and unverifiable information. The balance history noted an ontime payment XX/XX/XXXX and a Collection in XX/XX/XXXX. Yet, the last payment noted as XXXX XXXX. After I requested a reinvestigation- they changed the terms to 120 months which is still inaccurate because I did not ever take out a loan from US dept of Ed.  Furthermore, Date opened is still listed as unknown, payment history is still showing the same, balance, balance updated, and recent payment amount are incomplete. 

Experian has failed to properly investigate and when I called US dept of ED they said I need to dispute directly with Experian.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be deleted and corrected for erroneous reporting in my file are listed on my credit report XXXX  XXXX XXXX XXXXXXXX Balance : - XXXX  XXXX XXXX Balance : {$840.00} XXXX  XXXX XXXX  XXXX XXXX Balance : {$760.00} XXXX  XXXX XXXX XXXXXXXX Balance : {$650.00} XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX Balance : {$1300.00} XXXX  XXXX XXXX Original creditor : XXXX XXXX XXXX  XXXX Balance : {$210.00} XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXXXXXX Balance : {$160.00} XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX  XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX  Inquiry XXXX XXXX XXXX, XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX  XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX, XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act the following accounts has violated my rights : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX TransUnion/ XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX TransUnion/ XXXX / XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/2021 US Bank was supposed to pay my credit card with a check. They chose to pay with an electronic fund and refuse to give me proof of payment. 

I have asked repeated on a weekly basis for a trace number or transaction number showing proof of payment. They will not respond to the request.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX reported a late payment to Credit Bureau even though I've been on auto-pay for the post 10yrs+. 

Called multiple time and getting the run-around.
Product: Student loan

I contacted  XXXX   XXXX , now Navient 10 years ago to make sure I was doing what I needed to do for Loan Forgiveness For  Public Service. I h ave worked full time in the school system and have made every payment. I was told 10 years ago that I was in the program because my loan is a Stafford Loan through FFELP. I thought all I had to do is make the 120 payments, remain employed and the loan would be forgiven. Now I am told that I was never in the program because I did n't consolidate into a Direct Loan. I consolidated in  XXXX  and until a month ago when an ombudsman said anyone in this program needed to consolidate in  XXXX  I had no idea. I do n't know if they just did n't know what they were doing or purposefully lead me not to move the loan because they would have lost the {$60000.00} I have already paid as well as the {$41000.00} remaining.
Product: Mortgage

My loan is paid in full. The servicing loan company refuses to give me original satisfaction of mortgage or release. I must register with my county clerk. They are required original documents. The servicing loancompany also has not given said document to the clerk office .I can't file withOut the cover page accompany with my orgionalmortgage release satisfaction document. I have constantly asked for the original release with the seal. Several times to no avail. My cover letter to the county clerk requires the original mort gage satisfaction release. Please Help
Product: Credit reporting or other personal consumer reports

Inconsistent Reporting of Active Account XXXXXXXX XXXX XXXX  I am reporting discrepancies regarding my account with XXXX XXXX XXXX. 
TransUnion lists the account ( Account # XXXX ) as repossessed with a balance of {$3600.00} as of XX/XX/year>. 
XXXX shows the last activity date as XX/XX/year> with conflicting balance information. 

Under FCRA 1681e ( b ), inaccurate or conflicting account details can misrepresent the status of my account. I request a review to ensure the information is updated accurately across all bureaus.

Thank you for addressing this matter.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep concern and frustration regarding the unresolved issue of fraudulent items on my credit report. Despite multiple attempts to dispute and remove these fraudulent items, they persist on my credit report, causing me significant financial harm and emotional distress. 

I would like to provide a brief overview of my efforts to address this matter : I first became aware of the fraudulent items on my credit report. I promptly reported the fraudulent activity to your credit reporting agency and initiated disputes for each of the fraudulent accounts. 

Subsequently, I have made several attempts to dispute these fraudulent items by providing all necessary documentation and evidence to support my claims. I have also been in continuous communication with the creditors associated with these fraudulent accounts to resolve the issue. 

Despite my commitment to resolving this matter, the fraudulent items continue to appear on my credit report, and they have not been removed, updated, or properly investigated by your agency or the creditors involved. 

These unresolved issues on my credit report have caused me significant financial hardship and emotional distress. I have followed the proper dispute procedures and expected timely resolution and accurate reporting of my credit history. 

I kindly request that you take immediate action to thoroughly investigate and remove these fraudulent items from my credit report. Additionally, I ask for a written response outlining the steps your organization will take to rectify this matter and prevent future occurrences of fraud on credit reports. 

I am aware of my rights under the Fair Credit Reporting Act and other applicable laws, and I will not hesitate to take legal action to protect my rights and interests if this issue remains unresolved. I am asking for your immediate assistance to remove the following fraud items in my credit report : XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX TX XXXX XXXX XXXX XXXX Balance : {$0.00}.
Product: Credit reporting or other personal consumer reports

I received a copy of my credit report and found that the following items were inaccurate. The items in error are listed below. 

file : XXXX XXXX XXXX  Creditor Name : XXXX XXXX Account Number : XXXX ********* Date of Charge Off : XXXX Amount : {$170.00} Under 15 US Code 1681b ( 2 ), a consumer reporting agency can only furnish a consumer report if the consumer reporting agency has written instructions from the consumer. Idid NOT give you written instructions to report this information. I demand you delete this account immediately.

According to the 15 US Code 1681e ( b ), a consumer reporting agency is required to implement reasonable procedures to ensure the highest level of accuracy possible. I have highliated the inaccurate information reporting from my credit report. Given these inaccuracies, this account should be deleted for not complying with 15 US Code 1681e ( b ). I demanded you to deleted this account immediately.
Product: Money transfer, virtual currency, or money service

Coinbase uses a XXXX method utilizing a, what I now know, is a fairly unsecured method of " texting. '' I was hacked on XX/XX/22 by this due to a sim swap method and over {$1200.00} of crypto was converted and sent to an unknown account without my authorization. An additional {$400.00} was withdrawn from my bank account to cover more transactions. Coinbase has no other system in place to hold or verify suspicious transactions or activity for a problem that has happened to thousands of other customers. I have also been told that there is no way to recover these funds.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of fraudulent activity. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a identity theft report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an identity theft report with reference number XXXX. Please find the ATTACHED documents to assist in the removing of the accounts, inquiries, and incorrect personal information which were being posted to my reports. Here is the list of items which were opened without my permission : XXXX : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Date opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Balance : {$0.00} -- -- -- -- -- -- -XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX Date opened : XX/XX/XXXX Balance : {$0.00} -- -- -- -- -- -- -- XXXX : XXXX, XXXX XXXX, XXXX XXXX M XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Date opened : XX/XX/XXXX Balance : {$0.00}. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any items in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to formally dispute certain hard inquiries that appear on my credit report, which I believe are fraudulent. After reviewing my credit report, I have identified the following unauthorized hard inquiries : Creditor Name : XXXX Date of Inquiry : XX/XX/2024 Creditor Name : XXXX XXXX  Date of Inquiry : XX/XX/2024 Creditor Name : XXXX XXXX  Date of Inquiry : XX/XX/2024 I did not authorize or initiate these inquiries, nor have I been contacted by these companies. It appears that my personal information was used without my consent, and I suspect these inquiries are a result of fraudulent activity.
Product: Payday loan, title loan, personal loan, or advance loan

Acima fasley advertising 90 day same as cash pay off
Product: Credit reporting or other personal consumer reports

I formally demanded an immediate investigation and correction of several inaccuracies on my credit report. I identified specific entries that I believe are incorrect, particularly late payments associated with XXXX  and XXXX  XXXX  accounts. I asserted that these payments should be updated to reflect that they were paid as agreed and never late, referencing 15 U.S.C. 1666b, which governs the timing of payments. 

Additionally, I raised concerns about multiple debts reported by various collectors, including XXXX XXXX, XXXX XXXX, XXXX, and others. I invoked 15 U.S.C. 1692g, which requires debt collectors to validate any alleged debts before continuing collection efforts. I requested that Equifax provide proof of these debts, including original documents bearing my signature and any contracts between the debt collectors and the original creditors. I made it clear that if they could not provide this validation, the items should be deleted from my credit report.

I also pointed out an unauthorized hard inquiry on my report, citing 15 U.S.C. 1681b ( a ) ( 2 ). I requested the deletion of this inquiry, as it was made without permissible purpose. Furthermore, I disputed incorrect personal information, specifically an address that does not belong to me. 

Under the Fair Credit Reporting Act ( FCRA ), I reminded Equifax of their obligation to investigate disputes and correct inaccuracies within 30 days, as outlined in 15 U.S.C. 1681i. I referenced case law to emphasize the necessity of a thorough investigation and the potential liability they face for non-compliance. 

I expect a prompt and thorough investigation, along with written confirmation of their findings. I made it clear that if this matter is not resolved within the legally mandated timeframe, I am prepared to escalate the issue to regulatory agencies or pursue legal action. I also requested a detailed description of the procedures used during their investigation, as required by law. 

In summary, I am seeking immediate action to correct my credit report and ensure compliance with federal laws governing credit reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

Here recently XX/XX/2022 I pulled my credit report from transunion.com and noticed several inquiries for auto loans and credit cards over the course of the last few years that I have no knowledge of and did not authorize. I placed a freeze on my credit report on XXXX after receiving notifications via email that my Transunion report had been recently checked by a lender I reached out to Transunion on XXXX to inquire about these inquiries and to get further assistance on getting them removed because they should not be on the report but the representatives I spoke with could not assist and refused to further investigate. I spent several hours on the phone with them speaking to supervisors, fraud and being transferred countless tomes to get to the bottom of this. I still have not gotten a resolution with Transunion! The inquires on Transunion that were unauthorized are listed below : XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have sent letters certified mail to Transunion on XXXX as well as filing this complaint in hopes to get them removed and for further investigation to be done. The credit freeze will remain in place.
Product: Credit card or prepaid card

I bought the prepaid debit card and loaded XXXX and paid XXXX card fees When I tried to activate and register the card the customer service told me I had fraud on the account and could not use it. How is that possible I just bought the card less than one hour ago. The company is NetSpend. I want to attach documents but the system won't let me
Product: Credit card

American Express charged me a {$3.00} XXXX processing fee for an item I purchased from an XXXX company. I was never informed, in advance, that I would be charged this fee and I did n't authorize it. American Express refuses to credit the fee and is insisting that the charge is valid.
Product: Money transfer, virtual currency, or money service

I used the app called Cash App ( owned by Square inc ) I opened it years ago and it fell to the wayside, but I had purchased digital currency. I recently was reminded about the account which is tied to my email still, I went to gain access to my account and while the email code to verify my identity was successful, my banking information was incorrect as I no longer banked with XXXX XXXX XXXX XXXX nor was my phone number correct because years had passed and I no longer had that phone number to get a pass code, I reached out to the cashapo support and since they don't have a phone support I had an email ticket and kept being round Robin to numerous support specialist who kept asking me the same thing over and over again and ultimately they wouldn't give me access to my old account even though I could verify other bits of PII that would verify who I am. This is highly frustrating and this company has a reputation today of being difficult but I feel that they have a way to verify who I am and let me access my old account
Product: Bank account or service

Hi Wells Fargo bank complaint I tried withdrawing my funds to pay my rent on the XXXX of the month, as I always do, the bank did not allow me to do so. 
They placed a block on my card without my permission. 
As I result, this has cost me about {$30.00} in transportation fees. Possibly a late fee on my rent too. I said a prayer hoping that they do n't. 

They said that there are daily limits on my account. I asked for an increase on my daily limit. Wells Fargo declined it. 
I have had my account in good standing for almost 1 yr now. 
There is no reason for the company not to approve the increase. 
It 's a checking account, not a credit card. 

My check is on time every month, and the same amount is deposited. 
All companies are aware of when deposits are coming in from ssa. 

I 'd like to see a withdrawal limit to the amount that I deposit each month on the XXXX. 

I have been working hard to clean up my credit. 

Can you make a change to banks to increase at least the debit card charging to the amount that is deposited into my account each month? 

This way all of my bills will be paid automatically when my income comes in, or most of them. 
I can then get my money order for free at XXXX, instead of paying {$5.00} for a cashiers check, and having to withdraw cash to get a money order. 
I tried quite a few times to make sure that I got it paid yesterday. 
It is their daily limit policy on the opportunity checking that makes it difficult. Especially when I have to work that day, and the bank is closed when I leave work. 

This is much safer than carrying cash. 

Thank you for your time. 

XXXX XXXX XXXX XXXX