23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

XXXX XXXX DOB : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX HARD INQUIRIES : INQUIRY NAME : XXXX XXXX XXXX CO INQUIRY DATE : XX/XX/XXXX INQUIRY NAME : XXXX XXXX INQUIRY DATE : XX/XX/XXXX INQUIRY NAME : XXXX XXXXXXXX NA INQUIRY DATE : XX/XX/XXXX INQUIRY NAME : XXXX  XXXX XXXX INQUIRY DATE : XX/XX/XXXX INQUIRY NAME : XXXX XXXX XXXX XXXX  INQUIRY DATE : XX/XX/XXXX INQUIRY NAME : XXXX XXXX INQUIRY DATE : XX/XX/XXXX INQUIRY NAME : XXXX XXXX INQUIRY DATE : XX/XX/XXXX INQUIRY NAME : XXXX XXXX INQUIRY DATE : XX/XX/XXXX INQUIRY NAME : XXXX INQUIRY DATE : XX/XX/XXXX INQUIRY NAME : XXXX XXXX INQUIRY DATE XXXX XXXX XXXX XXXX XXXX INQUIRY NAME : XXXX XXXX INQUIRY DATE : XX/XX/XXXX XXXX NAME : XXXX XXXX XXXX XXXX INQUIRY DATE : XX/XX/XXXX INQUIRY NAME : XXXX XXXX XXXX INQUIRY DATE : XX/XX/XXXXXX/XX/2024
Product: Consumer Loan

Please refer to my original complaint # XXXX filed in XXXX see your response to me on XXXX/XXXX/2015. Ally 's attorney reached an agreement that I would pay {$3100.00} and the payment would reflect settlement in full. The credit report as of Wednesday, XXXX XXXX, 2015 shows paid in settlement but {$34000.00} written off this is not correct, again they have the car which is the collateral balance so nothing should be show as written off once the settlement amount was sent to them through the courts the balance should reflect as paid and settled.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.

Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX  XXXX Account Number : XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
Account Number : XXXX Delete this account.
Product: Money transfer, virtual currency, or money service

XXXX Transfer Confirmation # XXXX from Bank of America checking account on XX/XX/2021 in the amount of {$3000.00} to XXXXXXXX XXXX checking account. 

On XXXX XXXX, 2021, email communication to President and CEO of Bank of America to seek help for the reimbursement of {$3000.00} which we never received the reimbursement to date.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a letter from a creditor where one of my credit cards was closed. The letter states that they based their decision on the TransUnion report due to a low score and some information that I am not aware of dealing with real estate. I tried unsuccessfully to try to contact them via phone or website. Both places blocked me from getting any information regarding my own report due to the inability to verify my information. I believe this is a sorry service. There is no way to get my information. I have to wait until I can get a paper credit report which will not contain the score - because this company charges for a score. I tried paying for the score but I got blocked for doing so. So how am I supposed to file a complaint to a company that got the wrong information if I can't get the information requested myself? TransUnion has the ability to ruin someone's score based on incorrect information. Yet, I can't even reach them by phone or online due to their sorry customer service.
Product: Credit reporting, credit repair services, or other personal consumer reports

First date of delinquency XX/XX/XXXX on a joint account opened XX/XX/XXXX. I was co/signer on account. The account was never brought current and surrendered in XXXX. The account was closed XX/XX/XXXX and bankruptcy was filed by other party not myself. The account was reported closed and showed not reported until XX/XX/XXXX was vehicle was sold. During all of remainder of XXXX, XXXX, XXXX, until XX/XX/XXXX I was showing account closed. I opened a credit card with capital one and XXXX card through them doing this time. No late payments with no other company until this shows up as XXXX dates in XX/XX/XXXX. This has now denied me credit increases with them after saying I was recently late and this is false, I want it fixed due to its too old to report since my date of first delinquency was XX/XX/XXXX and vehicle was closed and sold. This is terrible to do this to someone for something so old
Product: Bank account or service

InXX/XX/XXXX I made a XXXX payment to XXXX XXXX which was only one of multiple payments I had made out of that account towards that XXXX. For some strange reason USSA called that particular payment fraudulent activity and took back the XXXX payment which caused XXXX XXXX. I was all caught up on my payments and then USSA decided to get my XXXX repossessed which put a repo on my credit report that I do n't deserve. Not only that but I traded my XXXX XXXX XXXX on that XXXX so in affect they also took my XXXX XXXX and all the money I had spent on both vehicles. The reason for doing all this is because when I called to get my card released from hold status the person at USSA I spoke with decided that my voice did n't sound as old as my birth date would have suggested. Because of that my XXXX was repossessed on XXXX XXXX XX/XX/XXXX and my credit ruined. As if all this was n't enough, The last direct deposit I had sent to that account came up missing.I had taken my money I had saved from the month before out of the USSA account and had changed my direct deposit over to XXXX XXXX XXXX. The last one went into the USSA account but the money disappeared out the account and now they are trying to XXXX me out of the money as well as what they did to my XXXX and leaving me stranded for a year now..What recourse do I have?
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do a verification on my credit reports and they did. They stated everything was accurate. I did a thorough research myself and found some improper inaccurate after they did the thorough investigation. In accordance with the FAIR Credit Reporting Act. These creditors has violated my rights. 15 U.S.C. 1681 section 602 A states, I have a 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. XXXX XXXX Account # XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. These accounts were deleted from XXXX and Transunion but, still appears on my XXXX reports and I would like all my reports to reflect the same by deleting them. I have been waiting for a response from the credit bureaus. Spoke to a Representative at XXXX on XX/XX/2023 and he assured me that these items was deleted and he will be sending me an update credit report. Again I need all 3 credit reports reflecting the same deletions which they are not.
Product: Prepaid card

I was issued XXXX prepaid " Reward Cards '' from ELAN Financial Services / U.S. Bank for opening a couple of credit cards for clients while working for XXXX XXXX. 

I received XXXX cards in the mail in XXXX XXXX. Card XXXX was supposed to be pre-loaded with {$20.00}. Card XXXX was supposed to be pre-loaded with {$40.00}. I have never received this {$60.00} in full. 

When the cards arrived, neither of them had the correct balance that I was told they would have. The card with {$20.00} was reduced down to {$0.00} due to " inactivity fees '' before the card was ever received or activated because it had been allegedly funded back in XXXX of XXXX. The card with {$40.00} was reduced down to {$30.00} due to " monthly service fees '' before the card was ever received or activated because it had allegedly been funded back in XXXX of XXXX. 

The phone operators I called to request assistance were of no help trying to explain why the cards were assessed fees before they were received or activated, and informed me that the fee schedule ( 13 months of no activity ) begins when the card is funded, not when the card is received or activated. So if they send a card that 's already drained by fees, somehow this is my fault and I take the penalty for it. 

I activated the card with {$30.00} on it and attempted to make multiple purchases with the card. Despite activation, the card was declined at XXXX XXXX with a point of sale transaction, at a gas station, and with an online purchase on XXXX. When I contacted the company, they could give me no explanation for why the point of sale transactions were declined, but informed me that the online transaction was declined because activating the card was not enough -- I had to go online to a website and register the card as well. Despite multiple previous calls, no one bothered to explain this process to me at any point. 

Despite four attempts to use the card in XXXX, the card was still assessed a {$2.00} " monthly inactivity fee. '' When I call in to check a balance, the call drops due to an error in their system, and when you call in again, you get warned that they are going to assess a {$0.00} fee because you 're calling back a second time. When you call in to customer service to figure out why the card keeps on declining AFTER you activated it, not only do they not give you a straight answer until the THIRD call, but they assess you an a {$1.00} fee to give you incorrect information. 

These issues are beyond misleading and deceptive. The fee structure is ridiculously complex and hits you for everything you do to try to use the card, and the fact that they take money from you before you 've even received the cards is outright theft.
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 XXXXXXXX XXXX XXXX FL XXXX XXXX XXXX XXXX PL XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$490.00} XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting

XXXX SOC SEC # XXXX DOB XX/XX/1990 ADDRESS XXXX, FL XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX XXXX XXXX XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims ' credit reports, blocking fraudulent information from appearing in victims ' credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX, FL XXXX
Product: Credit card or prepaid card

I paid for a trip to XXXX through XXXX XX/XX/XXXX to travel XX/XX/XXXX to XXXX, XXXX in full on my American Express. I arrived XX/XX/XXXX and left 2 days early due to the pandemic. XXXX XXXX went bankrupt XX/XX/XXXX and when I went to check out I was to I had to repay, they would not let me leave without paying. I have tried to dispute XX/XX/XXXX and was declined because it is now outside of time for dispute yet I filed day after I returned.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response. Below are the details of my complaint : XXXX. Charged-Off Account or Collection Account Creditor/Collection Agency Name : XXXX XXXX XXXX Account XXXX : XXXX Creditor/Collection Agency Name : XXXX Account Number : XXXX Issue : This account was charged off/placed in collections without proper notification or validation of the debt. 

I requested validation of the debt per my rights under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), but the creditor/collection agency failed to provide sufficient documentation. 

The reported balance and payment history contain inaccuracies that I have disputed with the credit bureaus, yet the creditor refuses to correct or remove the erroneous data. 

The account was sold to a third-party collector, yet it remains listed under the original creditor, creating duplicate reporting and unfair harm to my credit profile. 

I am requesting the immediate deletion of this inaccurate and unverifiable account from my credit report or proper documentation proving its validity. 

2. Unauthorized/Incorrect Hard Inquiry Company That Performed Inquiry : XXXX XXXX XXXX of Inquiry : XX/XX/year> Company That Performed Inquiry : XXXX Date of Inquiry : XX/XX/year> Issue : I did not authorize this company to pull my credit. 

No written consent or permissible purpose exists for this hard inquiry, which is a violation of the FCRA ( 15 U.S.C. 1681b ). 

Despite my dispute, the credit bureaus and the creditor have refused to remove the unauthorized inquiry. 

I am requesting the immediate removal of this hard inquiry from my credit report, as it was made without my authorization.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have consistently reported fraud on my credit regarding several accounts. After countless times, XXXX deleted the numerous accounts due fraudulent/inaccurate information. I called both XXXX  and XXXX  and explained transunion removed the accounts and I needed to get the steps to remove it on the reports as well. They explained they investigated the same information and it was reported accurately. At this time I need the accounts removed because it has tarnished my credit for years. I have proof of XXXX removing the accounts and asked XXXX  and XXXX  if I could send it in. However the request was turned down. Can you please investigate this so I can get my credit in order? Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, XXXX XXXX, XXXX XXXX ( not I repeat not no my biological father-birth certificate-it 's fraud-two different ages-do n't know who this person is-why do I have to answer security questions in order to pass a security credit report question??? ), XXXX or I have no idea who these people. I have to keep answering questions from companies in order to pass a security credit report question. I reported, have tried to fix this problem. No a clue who these people are on my credit report. How can I answer questions about people I do not know, never. I did not grow up with them, don't know them. I am constantly reporting names I do not recognize-XXXX. No I grew up in XXXX my whole life or XXXX XXXX. Never before XXXX did I have to answer questions about these people before. Why all of a sudden within the past couple of years for people who's personal info I do not know. 
Including XXXX XXXX XXXX is not my address in XXXX XXXX tried reporting but for XXXX to XXXX that is reported as an address. I am constantly reporting names, Addresses, places I never live, including someone with my identity using my name altered. That is truly weird for the past few years reporting names that never had to be answered before, all of sudden then in XXXX all this weird ( me the victim ) exhausting myself trying to report again, again to authorities.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 Equifax XXXX. XXXX  XXXX XXXX, GA XXXX According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all  accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately. 

ILLINOIS XXXX XXXX XXXX Provide Physical Verification UNVERIFIED ACCOUNT INCORRECT BALANCE * Please remove all non-account holding inquiries over 30 days old. 
* Please add a Promotional Suppression to my credit file. 


Thank You
Product: Checking or savings account

I put over XXXX into a savings acct with M & T Bank XXXX XXXX Pa. I was promised 4.5 % interest and temporarily received that until they changed it twice over the course of a couple of months to 0.5 %. They said its on your statement but no one at the branch could find it. The supervisor at the main location directed me to see the change. They just didn't care and probably bank on folks not seeing this.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX Account # 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 XXXX account XXXX
Product: Checking or savings account

XX/XX/XXXX I had a XXXX dollar deposit to my Bank of America checking account XXXX XXXX XXXX XX/XX/XXXX the money disappeared and went to XXXX then I had contact the bank then went to the bank and they had no answer other then it was overdraft fees I had a trademark that I paid for but never used it was from XXXX for music that I never submitted. The recent credit report shows that I am liste under. XXXX I am XXXX a woman mother and I also would like to know why my Bank account at XXXX XXXX has a deposit for over {$7600.00} and now he fud are on hold I had a withdrawal tht was not authorized at XXXX XXXX XXXXXXXX  for XXXX and after speaking with them they said there was a month that I did not have the vehicle regardless if I don't even have a overdraft line how can there be a transaction that I never signed for. Can you please advise me what to do so that I don't have any problems identifing myself for purposes of unemployment and any other credit matters XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX phone number is XXXX Please respond promptly
Product: Credit reporting or other personal consumer reports

Recently, I checked my credit report and noticed multiple billing errors under 15 U.S. CXXXX XXXX ( b ) Billing Error : ( 4 ) The creditors failure to properly reflect on a statement a payment made by the obligor or a credit issued to the obligor. 
( 5 ) A computation error or similar error of an accounting nature on a statement. 
15 U.S. CXXXX  XXXX - Timing of Payments ( a ) Time to Make Payments : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement, including the information required by XXXX ( b ) ( Statement required with each billing cycle ), is mailed or delivered to the consumer no later than 21 days before the payment due date.
Product: Credit reporting

I wanted to get my XXXX credit report. I thought the process was simple, but it did n't work for me. I applied online but received the message " unable to confirm identity '' and then message " If I leave page now I wo n't be able to receive my free reports for a year '' That 's totally unfair, I have the right to see my reports online and do n't want to go through cumbersome process of filing paper forms. This would be difficult since I 'm XXXX and I do n't have a printer. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed approx. 4-5 disputes with Equifax regarding my revolving XXXX account with XXXX XXXX XXXX XXXX They are reporting it as closed as of XX/XX/2022 but the account is NOT closed. After their investigation, they simply come back and say its been verified as accurate. But thats incorrect. I submitted another dispute today, XX/XX/2022 in hopes they get it right and fix it.
Product: Payday loan, title loan, or personal loan

When I signed up for this financial product, I did understand of these types of products have high interest rates. However, I was just emailed about an interest rate and transaction fee reduction. When looking at the new rate, I never really realized, or must have missed before, how exactly how high this interest rate is. 238 % APR and a transaction fee of {$5.00} per {$100.00} borrowed. If this is the reduced rate, I cant even imagine with the higher rates were.