23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

I have XXXX satisfied judgments reporting on my transunion credit report. I have been disputing this wrong informaiton for months now and getting nowhere. They have been removed as they should have been from XXXX and XXXX however transunion just keeps updating the wrong information and will not remove it. My first issue is that XXXX NEVER had XXXX judgments. It was only XXXX judgment and as I mentioned earlier it has been satisfied. This was years ago. Having XXXX judgements reporting on my credit report is affecting my credit score and causing a hardship in obtaining substantial credit. I 've called transunion and submitted over the phone as well that I am disputing this information and it has been confirmed to remove off my report. Last week I received a letter from transunion that the information is reporting correctly. This is completely untrue. I called again and explained that they have been removed from the other XXXX credit reporting agency 's I was told they do not work together. That 's not the answer. I am furious at the fact that there so called investigation is complete. These XXXX items ( which is really only XXXX ) should be deleted from my credit report.
Product: Credit reporting or other personal consumer reports

This company is in violation on my consumer right that don't follow the FCRA laws. This company reports yo the credit bureaus telling them they verified the account which shows there has been no correct updates to to show that the account been verified. I also can show that the debt they referring to was transferred to another lender so how could that account be verified and still showing on my credit file. I have proof of many descriptions showing the misleading information they continue to report on my credit file.
Product: Consumer Loan

I purchased my auto from Nissan and financed the sale via Nissan Finance. I elected the FinanceSignatureDIRECTPAY system which allows for automatic payment withdrawal from my bank account. Nissan Financial has been taking my monthly payments directly from my bank account since the sale was made. For some reason - they say my paper work was late I say they delayed processing it - the first payment was delayed and therefore some subsequent payments, according to them, were late. Nissan Finance has been taking all payments out of my checking account on the XXXX of every month, none of those payment were late ( see attached payment record ). This problem is a bookkeeping issue on the part of Nissan Financial and should not affect my credit history. I made an " extra '' payment to this loan to fix the bookkeeping error on XXXX/XXXX/2014. Please have Nissan Financial correct the information they sent to the credit reporting agencies post-haste. 
Enclosed is a copy of my payment records from Nissan Financial 's web site supporting my position. Please investigate this matter and contact the national credit reporting companies to which they provided this information to have them delete the disputed item [ s ] as soon as possible. 
I tried to resolve this issue with your phone customer service reps to no avail.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, I pulled my credit report and found two accounts showing 30 day late payments. So, I reached out to XX/XX/XXXXandXX/XX/XXXX to verify this information, they have written back to state that I wasnt 30 days late on my accounts. I then sent the letters to Transunion and the file number from credit report. They sent me a letter stating that are unable to locate a credit report and I need to verify who I am.
Product: Debt collection

unfortunately, I am a victim of XXXX XXXX  of Debt XXXX. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to 1022.142 ( b ) ( 6 )
Product: Student loan

Pioneer Credit Recovery contacted me, the consumer in XXXX about an alleged student loan debt that I was informed that was transferred to from XXXX XXXXXXXX XXXX. Once I received initial notification regarding this alleged debt, I immediately sent the company a cease and desist and a debt validation stating according to the FDCPA 15 usc1692b and 15 usc 1692 c ( 2 ) and c ( 3 ) that I as the consumer did not give written express consent for Pioneer Credit Recovery to contact me about an allege debt and I invoke my specified remedy to not pay an allege debt that Pioneer Credit Recovery is attempting to collect. Pioneer Credit Recovery was sent numerous letters stating that I am the original creditor and I do not owe any debts. Pioneer Credit Recovery failed to respond under penalty and perjury that this was a VALID debt. Pioneer Credit Recovery continued to send false and misleading letters in the mail which violates the FDCPA 15usc 1692e, Pioneer Credit Recovery made calls to my place of employment and asked the secretary at the front desk, did I work there because they were going to file a letter for wage garnishment which they are in violation in 15 usc 1692b ( 1 ) ( 2 ). In XXXX XXXX Pioneer Credit Recovery sent false documents to my job and requested wage garnishment which is violation 15 usc 1692c ( b ). In XX/XX/XXXX, my job started sending Pioneer Credit Recovery a percentage of my monthly pay which is violation 15 usc 1692d ( 1 ). AS OF XX/XX/XXXX, Pioneer Credit Recovery is in violation under the FDCPA 15 usc 1692 ... XXXX for identity theft for sending false and misleading documents with my information on there that a debt is owed which is violation 15 usc 1692e ( 4 ). Pioneer Credit Recovery is reporting on my consumer credit profile that this debt is being handled by wage garnishment which is violation 15 usc 1692e ( 10 ) and Pioneer Credit Recovery violated 15 usc 1692f ( 1 ). Pioneer Credit has caused damage to my consumer credit profile and has defamed my credit score. Pioneer Credit Recovery also stated that I am a borrower which the term " borrower '' is not defined or mentioned in the FDCPA which is a violation under federal law. I, the ORIGINAL CREDITOR AND consumer is requesting Pioneer Credit Recovery to pay {$30000.00} to the consumer and a {$1000.00} for each violation or the consumer will be forced to place this case in federal court.
Product: Money transfer, virtual currency, or money service

On Friday XX/XX/2021, I listed an item for sale via XXXX on XXXX app. On Saturday morning, XX/XX/2021, I was contacted by a person, who I figured out later it is a stolen account. 
The unknown guy, who was using this account, contacted me regarding my list. 
When I asked him about the payment method, he asked me to download XXXX XXXX to receive my money, which Ive never used it before. To set up an account on the app, you have to enter a bank information, which I did by using my TDbank account. On XX/XX/2021, Ive received a text message says there is {$300.00} transferred to XXXX XXXX. First, I thought it is a spam. On XX/XX/2021, I received another alert from my XXXX bank, which is the main account Im using that there are XXXX not authorized action was done earlier morning for {$77.00}. I responded back to XXXX that I didnt do these transactions. These transactions happened outside USA. 
There was a hack happened on XXXX XXXX after I downloaded it. The real person information is : XXXX XXXX XXXX because there was {$300.00} posted under this account. 
XXXX hacked the XXXX account and used it to communicate with me. 
XXXX started to hack all my credits accounts, where XXXX is a very secured account and my cellphone. Ive opened an identity theft report @ XXXX XXXX Police Department, case number XXXX. My identity theft from FEDRAL TRADE COMMISION is XXXX
Product: Debt collection

The company Credit control servise is collecting a debt from me that is not mine, I do not know this company and I have never done any business with them, they have taken the audacity to report this debt to my credit as a collection account which It is damaging my status and my financial situation, I am about to buy a property and this paralyzes everything, affecting my emotional and family stability.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying since XXXX XXXX to get this wrongful XXXX XXXX problem off my credit report I have submitted 3 disputes to Experian with no results.
Product: Money transfer, virtual currency, or money service

I requested refunds of fraud transactions and they closed my account and I can't get in or get any information from the cash app and it was multiple transactions that I never made or approved of
Product: Debt collection

I don't know the other dates, but this Armstrong and Associates from XXXX XXXX  has called me multiple times. I do not currently do business in Alabama and never have. I have never been to XXXX. They called me attempting to verify personal details that could have compromised my other accounts. When I asked them to tell me which business or account they are referring to after they identified themselves a collection agency, they said they could not proceed without my personal information. They never once referred to one of my businesses, just my personal name and they had my address. They are fishing for personal data. This has happened multiple times exactly as described above. Typically I do not answer that area code, but I don't look at my phone every time I answer.
Product: Mortgage

Im in a ARM mortage loan on my house and have had the same loan for 11 years, I have never been late or missed a payment to them ever, My credit score has gone up but my income has not, Therefore I can not Qualify for a new loan, They keep raising my interest rate and have raised it several times even when interest rates were going down. I do not think that they should be able to do this it is starting to put me in a position to not be able to make my payments, I understand I signed an ARM but was told by my lender they would only adjust with interest rates, The rate would go down when rates went down and up when rates went up. 
Is this legal or ethical?
Product: Credit card

I gave access to my card to my girlfreind as an authorized user. She was removed as an authorized user about XXXX  years ago. When she was on the account, she signed up for a recurring annual subscription. I was charged again recently. I don't see how I can responsible for a charge occurring now when she was removed XXXX years ago. If anything, I have been defrauded by ex-girlfreind.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent three affidavit credit dispute letters starting on XX/XX/21. My written request was for XXXX to remove all unverified accounts from my credit report. One remaining account that is incorrectly reported is XXXX XXXX XXXX who sold the account to XXXX XXXX. Equifax and XXXX have ignored my requests and continue to report erroneous information on my credit reports. 

I have no signed contract with XXXX, no investigation of XXXX has been made to show an original credit application on file. Equifax has reported several accounts with XXXX XXXX XXXX XXXX, and XXXX XXXX of XXXX. I have been unable to look at my credit report with Equifax. XXXX has followed suit with several reports from XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX and others that have not been verified prior to adding the accounts to my credit report. 
Under Section 609 & Section 611 ( a ) ( 1 ) ( A ) a consumer contract with my signature on it has not been verified. I have been ignored by XXXX, Equifax, and XXXX. I demand that this illegal way of reporting ceases to exist on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX, CT XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX CT XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX ; XXXX XXXX XXXX XXXX XXXX CT XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX  XXXX XXXX Balance : {$1800.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report in XXXX and I found out that credit reporting agencies still indicate my disputed of accounts in my credit report. As of todays date, XXXX, XXXX and TransUnion has not answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Reinvestigate these reported accounts and repaired it in my personal file : XXXX XXXX XXXX  Balance Owed : {$1300.00} ; XXXX XXXX Balance Owed : {$11000.00}
Product: Credit reporting or other personal consumer reports

DATES XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I SPOKE TO XXXX XXXX IN REGRAD TO DISCHARGING THE ACCOUNT FOR BEING OPEN FRAUDUALENTLY WITHOUT OUT MY CONSENT ON XX/XX/XXXX I PROVIDED THEM WITH ALL MY DOCUMENTS AND POLICE REPORT AND SIGNATURE SAMPLE SHOWING THAT THE ACCOUNT WAS NEVER OPEN BY ME AND THAT I NEVER ATTENDED THE SCHOOL THAT IS ASSOCIATED TO THE PROMISSORY NOTE. THIS ACCOUNT WAS CREATED FRAUDULENT BY THE SCHOOL TECHNICAL CAREER INSTITUTION.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of several accounts from my credit report due to my status as a victim of a data breach. This request is made pursuant to 15 USC 1681c-2 ( a ) and the Fair Credit Reporting Act ( FCRA ) 605 ( b ). 
The following accounts are to be blocked and deleted from my records : XXXX. XXXX XXXX XXXX Account XXXX : XXXX Date : XX/XX/XXXX Amount : {$1100.00} XXXX. XXXX XXXX Account XXXX : XXXX Date : XX/XX/XXXX Amount : {$630.00} XXXX. XXXX XXXX Account XXXX : XXXX Date : XX/XX/XXXX Amount : {$0.00} XXXX. XXXX XXXX Account XXXX : XXXX Date : XX/XX/XXXX Amount : {$100.00} XXXX. XXXX XXXX Account XXXX : XXXX Date : XX/XX/XXXX Amount : {$31.00} XXXX. XXXX Bank Account XXXX : XXXX Date : XX/XX/XXXX Amount : {$7200.00} XXXX. XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Amount : {$700.00} XXXX. XXXX Account XXXX : XXXX Date : XX/XX/XXXX Amount : {$340.00} XXXX. XXXX XXXX XXXX Account XXXX : XXXX Date : XX/XX/XXXX Amount : {$1700.00} XXXX. XXXX XXXX Account XXXX : XXXX Date : XX/XX/XXXX Amount : {$1700.00} XXXX. XXXX Account XXXX : XXXX Date : XX/XX/XXXX Amount : {$270.00} XXXX. XXXX Account XXXX : XXXX Date : XX/XX/XXXX Amount : {$240.00} XXXX. XXXX XXXX XXXX Account XXXX : XXXX Date : XX/XX/XXXX Amount : {$350.00} XXXX. XXXX Account XXXX : XXXX Date : XX/XX/XXXX Amount : {$380.00} XXXX. XXXX XXXX Account XXXX : XXXX Date : XX/XX/XXXX Amount : {$800.00} XXXX. XXXX XXXX Bank Account XXXX : XXXX Date : XX/XX/XXXX Amount : {$360.00} XXXX. XXXX XXXX Account XXXX : XXXX Date : XX/XX/XXXX Amount : {$140.00} XXXX. XXXX XXXX Account XXXX : XXXX Date : XX/XX/XXXX Amount : {$100.00} XXXX. XXXX XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Amount : {$0.00} Additionally, I would like to address the following inquiries on my credit report : XXXX XXXX XXXX - XX/XX/XXXX Factual Data - XX/XX/XXXX
Product: Debt collection

Trident Asset Management has listed a debt on my credit report. I have no contract with Trident Asset Management. The amount listed is not possibly correct if I owed XXXX money as stated on my report. believe the account information is inaccurate. At no time did this company attempt to contact me before placing this debt on my credit report.
Product: Credit card or prepaid card

I went to BJs. They asked if I wanted to credit card ; I got the card, through Comenity Bank, a Mastercard. I have NEVER used the card, but starting in XX/XX/2022, a " clothing company '' in Texas has been billing me, each month ; all those monthly charges are FRAUD ; it was NOT me who made those charges. I have called the Bank for 6 months, every phone number I could find. Comenity Bank NEVER answers their phones ; I've sat on hold in over 50 call attempts, on hold for 2-9 hours. No answer. PLEASE HELP ME!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX says that my information does not appear but to sell my information and participate in identity theft there if they had my information in order now I do not appear anywhere
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Transunion, I checked my personal credit report, which I acquired from your company on XX/XX/XXXX and I noticed that a FRAUDULENT inquiry that had been made on XX/XX/XXXX is still being reported on my credit report. 
I contacted XXXX XXXX XXXX who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. According to XXXX XXXX XXXX, they can not see the inquiry and so they can not remove something that isnt there. 
I request that you initiate a REINVESTIGATION into XXXX XXXX XXXX  ( XX/XX/XXXX ) inquiry on my credit report to determine who authorized this hard inquiry. If, once your REINVESTIGATION is complete, you find my allegation to be true, please remove the FRAUDULENT inquiry. ( Do not send me anything via US mail. ) Please note that although the inquiry shown on my credit report is a factual record of the company who accessed and reviewed my profile and although it is only logged on the report, when in fact, an inquiry was made ; a record of this activity, pursuant to federal law, must NOT remain a part of record if the inquiry was FRAUDULENT. 
If you find the inquiry referenced above to be valid, please respond only via the CFPB PORTAL with a description of the procedures, used in your REINVESTIGATION to determine that this inquiry was not FRAUDULENT, within 5 days of the completion of the REINVESTIGATION. This includes providing the name, business address, and telephone number of the furnisher ( s ) contacted in connection with this FRAUDULENT hard inquiry. Thank you for your assistance in this matter. 

Very Respectfully, XXXX XXXX
Product: Checking or savings account

I am attempting to connect an external bank account ( checking ) to my Capital One 360 account but it gives me the error message " Capital one is blocking you from enabling external applications ''. It also will not allow me to add the bank into my capital one 360 account through capital one. 

Also, I am attempting to transfer money from my Capital One 360 account into my XXXX account but I get an error message that says " To comply with government regulations, this transaction has been declined. '' I get an error message through XXXX, however, it is just showing that the money was blocked by Capital one and XXXX stated that they did not have any error message or errors on their end because the transfer request was blocked by the bank. I have contacted capital one multiple times with no resolution or no attempt to look into the matter. The instruction was to contact XXXX each time and that they didn't have an error message on their end, which I did to no avail. Because I did get the 'failed ' error from XXXX and now that I found that Capital one is blocking access to their account, I believe it is on the bank 's end that the transaction was blocked. Also, I am able to transfer money without problems from my XXXX account into my Capital One account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have continuously exhausted efforts to get items removed from my credit report that were a result of fraud/identity theft. I am unable to make any purchases due to my credit being damaged by whoever is opening things under my name. I have reported to both Equifax, XXXX, and XXXX for months and there has been no change or update to the status of these accounts, as well as new accounts that are still being reported as a result of the incident. I just want my credit back to how it was before this mess.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon pulling my consumer report, I noticed several inquiries that I have no knowledge of. I have not applied for employment nor credit with these institutions and would like these inquiries immediately removed.
Product: Checking or savings account

So last year I opened up my own company and wanted to open a business account for my company in order to separate my business from my personal. I used US BANK in XXXX, MN for this. Well shortly after this I had hired a women to help me keep track of office duties. Well part of her duties included taking care of company operations along with expenses. Well I had added her to my business account in order for her to do so. Not long after I had added her she parted ways and quit the company. Well after finding this out I contacted US BANK and asked them to remove her from my company account and access. I was advised that they would do so. Well I had added her also to my XXXX as the administrator so that she can keep and log company expenses and record. I had stated that I would do so and I would rather her enter her banking info herself along with enter her own social security number and other identity info so that if anything ever was questioned that I had no access to her personal information. Basically establishing my innocents if there was ever a problem. So the day after U S BANK told me that she would no longer have access to my business account, I had asked her to provided me with details on what she worked on to justify the hours she was claiming she worked. I never heard a response back. At this time I remembered I had her add her own banking information for direct deposit through XXXX and it had already come out of my business account the day before. I then proceeded to contact US BANK to stop payment on this and they said there was nothing they could do even though it went to her personal account with US BANK. So I had filed with XXXX XXXX, MN court system a civil lawsuit against this individual. Well I was advised and given document of this individuals counterclaim and she provided documents that indicated that she was in contact with the business banking rep at the US BANK in XXXX, MN after the fact of them advising me she would no longer have access to this account and information. The email gave great prove to this not being the case and she was still given information about me and my company checking account a month after US BANK STATED she would not be given access to this. Well that is the reason for this complaint today. I had started legal issues with this person to get my money back that was questioned, and took her off of the account and come to find out that US BANK was still giving her personal and company information afterwards. This is an illegal action on US BANKS part and violates certain guidelines and laws under the data privacy act along with fair consumer practices act.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, The credit bureaus have been misreporting my accounts on credit reports. 

I have started to dispute the bad information in it and I demand that you send me a response within the next 30 days of the status of my disputes and that they also correct / erase all errors in my report