23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

Was issued a unemployment insurance agency debit card issued by Bank of America. On XX/XX/2020 there was a {$720.00} dollar amount on the card. Told by my financial institution XXXX XXXX XXXX XXXX to withdraw whole amount .The atm would not dispense that amount so I chose {$500.00} and a {$3.00} fee was taken for the transaction, thus having to take another transaction to get the {$200.00} another {$3.00} was taken.Leaving a balance of {$16.00} on the debit card, which my figure is {$720.00} minus {$700.00} is {$24.00} minus the {$6.00} in fees should be {$18.00} not $ XXXX.I complained at the credit union who blamed Bank Of America about the restricted amount per transaction and for the fees. Why is Bank of America charging for set amounts of withdrawal? Therefore making twice the amount when the value is over $ 500.Now I have to pay fees to get my government issued money. There was no mention of fees related to withdrawal amounts or withdrawals on any of the literature that came with the debit card. My credit union was unaware of this fact as they instructed me to withdraw the whole amount.I did not choose a debit card for payment but was issued it as the site crashed as I was applying and this is how it was set up. At this time Unemployment and Bank of America are so overwhelmed with others I can not seem to reach them and have been on hold for longer than an hour and gave up. Please advise
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I paid in full a {$120.00} debt to XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Transunion has refused to update that account to reflect closed with XXXX balance, even after several disputes it still shows an open delinquent account with a {$120.00} balance. I'm not sure if this is gross incompetence or it's being done on purpose with malicious intent and it negatively affecting my life and credit score.
Product: Consumer Loan

We went into XXXX XXXX in XXXX to talk about trading in our vehicle in XXXX. We ended up with a XXXX Nissan Sentra. I looked at the sticker price and the dealer said " do n't even look at that amount because that is n't what you are going to pay ''. ( the XXXX 's were out and they wanted to get rid of this vehicle ). We did pay the total sticker price and anything else they could add on. We spent from first thing in the morning until late afternoon listening about things not even pertaining to the sell of the car that we did n't know if we were coming or going. We were also talked into things we did not want ie ... VSC and GAP that we thought we were signing a decline for. The dealer also said that they would pay the full payoff of our trade-in and not worry about it. ( he did n't lie, it was just tacked onto the new car ). We should have looked at the contract better but by the time we left the place we were so tired of being there we just left. Later, we looked at the contract and they had added over {$4000.00} to the new car for the amount we were supposedly over/under on the trade-in and they also added the VSC and GAP that we did n't want. We went to speak with them in XXXX, XXXX and even had the owner in the office and they faxed a cancellation of the VSC and the GAP and gave us the confirmation copy showing the refund amount that would be taken from the payment of the new car. It is now XXXX, XXXX and have not seen any changes to our statements that they reimbursed this money so I faxed the copy we had again and said it was a duplicate and stated we still have not seen anything. We heard nothing. We called XXXX XXXX, XXXX and they told us that the department that takes care of the VSC and GAP did not receive any paperwork to do this. ( I have the confirmation number and the " OK '' results that it was received back in XXXX XXXX and I also faxed it a second time!! ). 
Update : The above was sent to the XXXX and XXXX Nissan of XXXX issued a check and supposedly sent it to Nissan Motor Acceptance Corporation. NMAC says they have not received a check from them even though XXXX Nissan of XXXX sent us a copy of the check saying they did and that Nissan Corporation cashed it on XXXX XXXX. Neither company will talk to each other about this missing check and when my husband and I talk to either of them they both refer us to call the other on the matter or will not return our calls. This has been ongoing with XXXX Nissan of XXXX since XXXX XXXX, XXXX. 
Again, it is our fault for not following closely to what was being done but we do know that we will NEVER deal with this company again.
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$69.00}, XXXX XXXX XXXX XXXX Balance : {$5000.00} XXXX  ( Original Creditor : XXXX  ) XXXX Balance : {$1500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of debt bondage and would like for all listed accounts to be blocked and deleted from company Transunion. Please delete the following accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

After sending multiple letters to the credit bureaus, I have not received any response from them nor seen any changes to my report. The negative items which I have been disputing still appear on my credit report. This is clearly a violation of the Federal Law. Per FCRA section 605b, the credit bureaus are required to remove/block any account listed on an identity theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted on my report. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I purchased a copy of my credit report last year in XXXX of XXXX  where i noticed some fraudelent accounts that I did not apply for .. i have attempted to reach out to XXXX, XXXX, and equifax with mutiple dispute letters and each time they have failed to properly investigate and have not provided me with any of the proof i have requested and continue to report these accounts as verified with out properly investigating I have also filed a police report
Product: Debt collection

ERC debt collectors are debt parking a account on my credit report. They are listing a debt on behalf of XXXX claiming this account was from 2019 but in truth is from over seven years ago. After reading some articles it may be a common practice of theirs.
Product: Debt collection

The account by XXXX  XXXX? Charged off {$270.00} and I've never heard of this place? This is not my account and tried to contact them direct with no success
Product: Credit reporting or other personal consumer reports

I am filing a complaint against TransUnion for improper credit reporting and deceptive practices violating the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 

This agency has reported a collection account originally from XXXX, but they have falsely re-aged the debt to XXXX, making it appear newer. This is a clear violation of FCRA XXXX ( c ), which limits how long negative information can be reported. The agency has misled credit bureaus and lenders by altering the date, negatively impacting my credit score and financial opportunities. 

Additionally, I have not received proper debt validation as required under FDCPA XXXX. When I disputed the inaccurate reporting, the agency failed to correct the false date or provide legitimate documentation proving the correct date of the first delinquency. This deceptive practice constitutes unfair and misleading debt collection tactics under 15 U.S.C. XXXXe. 

I request that the CFPB investigate this agency and require them to : XXXXCorrect the reporting to reflect the accurate date of delinquency. 
XXXXCease deceptive re-aging practices to misrepresent debts. 
XXXXProvide validation of the alleged debt with accurate records. 
XXXXRemove the account from my credit report if they can not verify the correct date. 

I have attached supporting documentation, including credit report entries, prior disputes, and any correspondence showing their failure to comply. This re-aging of debt is a serious violation, and I request immediate corrective action.
Product: Credit reporting

I originally sent a dispute letter dated XXXX/XXXX/15 to Trans Union. I then received a reply from them dated XXXX/XXXX/15 thinking that my dispute letter did not come from me and now they want a power of attorney. I even attached a copy of my driver 's license with my dispute letter and a copy of a utility bill. How are they determining that this information is not sent by me?
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX our loan was transferred to Loancare. Apparently only my wife 's old work number was the only information that was transferred ( I found this out after I called about the bank draft non payments ). When I found out about my bank draft not occurring, I called my previous servicing company and was informed the loan was transferred. When I called the loancare the first time, I paid the full balance and was told the autodraft should be set up. Several months later, I realized the payment was still not occurring. I called immediately and made full payment and was correctly told by the associate that I needed to set up the auto draft myself. I did this immediately and now it 's all setup and working. The reason this is so time sensitive is because we are in the process of buying a new home and my credit score decreased significantly because of the late payments. We have never had a late payment in the 9 years prior to the loan transfer. This should not be an issue of us being at risk borrowers.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 I contacted Equifax XXXX and XXXX in regards to incorrect information being on my Credit Reports as a result of Identity Theft and Fraud. I submitted the Police Report, The FTC Identity Theft Report along with copies of my State Issued ID Social Security Cards and Utility Bills showing proof of residency. On XX/XX/2019 I received updates from XXXX and XXXX in regards to the accounts showing that they had been removed from my file. I also received letters from each Creditor stating that the Fradulent Accounts would be removed. On XX/XX/2019 I received results from Equifax stating that the accounts would not be removed because the Creditors verified the information as Accurate. How were they able to verify the accounts when XXXX and XXXX   stated that the accounts were REMOVED at the Creditors Request as Fraud. I have since tried to contact Equifax back in regards to the issues I'm having, but I have not been successful. Equifax is neglecting to remove these accounts from my Credit File even after receiving the proper proof that the accounts were Fraudlently opened XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

you say that your company has reinvestigated these accounts and verified them as being accurate but it is obvious that you have verified nothing. All you have done is parroted information given to you by other sources and shifted the burden back to me to prove that the reported items on the accounts listed below are not valid which is clearly in violation of 1681 ( a ) ( 4 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I've reached out to XXXX XXXX several times regarding this fraudulent account that I didn't open. My identity was stolen and this account was opened as result of me being a victim of ID THEFT. I contacted XXXX XXXX numerous times and provided Police Reports and other documentation supporting that I've never opened any account with them and that this was a result of my Identity being compromised. I wasn't even in the country during the alleged time this account was open and this information used to open the account doesn't match my Drivers License number or address, phone numbers or email. XXXX XXXX continues to ignore the matter and this complaint has fell on deaf ears. If resolution isn't resolved then I will begin to take legal action against XXXX XXXX and Credit Bureaus for reporting erroneous fraudulent information.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act 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 a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

the ftc violation of XXXX was filed XXXX XXXX XXXXXXXX sys 2 accounts were removed and put back on they are in violation of the law b/c they did not notify me that they were putting back on my credit please see FTC reports that by the law i satisfy my claim with police and affidavit
Product: Debt collection

Ive been disputing this account Discount several times and youfailed to validate the debt as requested along with the purchase agreement, which is a violation of the FCRA1681 seq andFDCPA 1692 et seg I demand you two cease and desist all collection activities relating to this account and remove it within 24 hours
Product: Checking or savings account

On XX/XX/2022 my bank USAA for some reason sent {$1000.00} to XXXX XXXX without my knowledge or consent. I have both checking and saving with USAA and I have names for them. I accidentally put {$1000.00} in an account I thought was my saving account and when I went to check my balance I realize my Mistake and corrected it and I notify my bank to let them what happened. On XX/XX/XXXX I went to transfer money to my checking account I had a negative balance of {$300.00} and when I called my bank no one knew what had happened and they informed me that they would investigate, but no dispute was done for at least a week, then on XX/XX/XXXX I received a notice that the investigate was over and no action would be taken .No one from my bank ever contacted me about this and no one could tell me why my money was sent to another Bank that has been closed for nearly 10 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

I got this account caught up about 2 months ago and have been making payments ever month but it shows on my credit that I havent make a payment in months. Santander USA is the company and it says my account is closed.
Product: Mortgage

We reached out to XXXX XXXX, a lender from Liberty Capital Services , LLC, for a loan application to purchase a house. During the communication and email exchange, we shared the information about the address, what type of house we are buying ( a duplex ), etc. He sent us the Closing Disclosed Estimates with 0.403 % of loan amount ( points ) origination charges. We used this number for the whole working process. Two or three days before our initially scheduled closing date, he sent us the formal Closing Disclosure document, and the point increased to 1.403 % of loan amounts, which means at least another {$2400.00} cost from our end. We reached out to him, trying to figure out why. And he said the reason for the difference in the points is his " mistake. '' He put the number wrong. And he wants us to sign the new closing disclosure soon. We refused to sign it. This explanation won't help us accept and let us pay an extra {$2400.00}. We also realized in some states, according to XXXX, it is illegal to increase the lenders fees ( i.e., origination charges ) between documents. 

His behavior is like a scam. So we emailed him respectfully, saying this is unacceptable to inform us a few days before closing that we need to pay extra thousands of dollars because of his mistake. We shared all the information appropriately for the loan application, and he couldn't just change the lender fees because of a " mistake. '' And we also mentioned in the email we would like to have a solution from them. 

Then, one day later, he sent us a really rude, disrespectful email claiming that even this is his fault, he strongly believes we should choose him and accept what happened and continues the closing anyway. He also threatened us in the email that we should think about how much mess and issues may arise with the seller if we cancel the closing now. This email made us feel really hurt and uncomfortable. He didn't apologize for how much inconvenience may be caused because of his fault and how the extra cost may be an extra burden. His behavior also feels like a scam to us. We feel fooled by him and his company. 

We already spend more than {$1000.00} on the closing, with almost {$800.00} for appraisal and {$400.00} for inspection. Now we are in a dilemma : continue closing with him but actually feel fooled, scammed, and disrespected, and need to pay an extra {$2400.00} ; we're unwilling to continue working with someone disrespectful and rude. If not continue closing, we waste more than {$1000.00} and lose our chance to buy the house we want because the seller may not be willing to wait for another 1-2 months. 

We believe this is misconduct of the lender and his company. And we want a better solution to make us feel we are treated fairly and honestly.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2023 Transunion XXXX XXXX XXXX XXXX , PA  XXXX. 

FAILURE TO NOTIFY CONSUMER WITHIN 5 BUSINESS DAYS AFTER REINSERTION OF PREVIOUSLY DELETED LATE PAYMENT. 

RE : XXXX XXXX ACCOUNT # XXXX During a review of my Transunion consumer report, I noticed that your company reinserted previously deleted late payment in my XXXX XXXX account XXXX XXXX on XX/XX/2023, without notifying me of the reinsertion within 5 business days after the reinsertion as required by the law. 

According to 15 U.S. 1681XXXX  - Procedure in case of disputed accuracy ( 5 ) Treatment of inaccurate or unverifiable information ( XXXX ) NOTICE TO CONSUMER If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing NOT LATER THAN 5 BUSINESS DAYS after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. 

( XXXX ) ADDITIONAL INFORMATION As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing not later than 5 business days after the date of the reinsertion ( XXXX ) a statement that the disputed information has been reinserted ; ( XXXX ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( XXXX ) a notice that the consumer has the right to add a statement to the consumers file. 

Based on the above violations by your company, I demand the Late payment notice in my XXXX XXXX account # XXXX be deleted and account updated as CURRENT, PAID AS AGREED.
Product: Credit reporting, credit repair services, or other personal consumer reports

THERE ARE TWO DATES OF INQUIRIES FROM SAME COMPANY THAT WAS NOT AUTHORIZED BY ME. PER COMPANY RESPONSE, THE INQUIRY WAS BASED ON XXXX XXXX XXXX XXXX. I DO NOT HAVE AN ACCOUNT WITH XXXX XXXX XXXX XXXX THAT WOULD RESULT IN TWO INQUIRIES SHOWING UP ON MY CREDIT REPORT. I HAVE ALSO DONE MY INVESTIGATION, AND I HAVE NO RECORD OF DOING BUSINESS WITH ELAN FINANCIAL SERVICES OR XXXX XXXX XXXX XXXX. I ALSO HAVE A FRAUD ALERT ON MY CREDIT FILE, WHICH MEANS THE CREDITOR MUST CONTACT CONSUMER PRIOR TO INQUIRING OR GIVING OUT CREDIT. SO IF AN ACCOUNT WAS OPENED IN MY NAME WITHOUT CONTACTING ME FIRST, THEN XXXX XXXX XXXX XXXX AND ELAN FINANCIAL SERVICES BROKE THE LAW AND VIOLATING MY RIGHTS. BELOW ARE DATES OF THE INQUIRY. THE PURPOSE OF THE FRUAD ALERT IS TO PREVENT FRAUDULENT ACTIVITY ON MY CREDIT REPORT. PER FRAUD ALERT, STATES DO NOT EXTEND CREDIT OR OPEN ANY ACCOUNTS WITHOUT CONTACTING CONUSUMER. THEREFORE I DON'T NEED TO FILE A POLICE REPORT, UNLESS THE COMPANY WANTS ME TO FILE POLICE REPORT AND CHARGES AGAINST THEM FOR OPENING AN ACCOUNT WITHOUT MY PERMISSION. 


XX/XX/2019 ELAN FINANCIAL SERVICES, XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/2019 ELAN FINANCIAL SERVICES, XXXX XXXX XXXX XXXX, XXXX, OH XXXX