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

XXXX XXXX XXXX has reported three accounts as collections on my credit report. The accounts are XXXX XXXX, XXXX, and XXXX XXXX XXXX XXXX. I have already sent you my FTC and law enforcement reports. You have already removed these original accounts. Pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) I request that you immediately block and remove these accounts within 4 business days of receipt of this complaint.
Product: Debt collection

I had a debt with XXXX XXXX, there financial partner was XXXX XXXX XX/XX/XXXX. It went into delinquent status. I called the collection agency who had my account, XXXX. XX/XX/XXXX we settle the account in question for {$1500.00}. I have a settlement letter from the company XXXX. Stating the payment was received and paid in full. 
Unknown to me my account was sold to Springleaf Finance and then sold to XXXX XXXX. Now for the past 4 years this has ruined my credit. Not until I was trying to purchase a home and looking at a high interest rates did this come up.
Product: Credit card or prepaid card

On XX/XX/XXXX we received mail correspondence from FNBO ( first national bank of omaha ) containing two XXXX credit cards that neither my wife nor myself had ever applied to receive. Further, neither my wife or I have ever been FNBO account holders or FNBO bank customers. I called FNBO to report the incident and they cancelled the account and the credit cards on XX/XX/XXXX. The FNBO representative had no useful information to share on how the cards originated - who had applied for the cards- or why they were sent. The cards were marked " member since XXXX '' but as mentioned, we have never been FNBO customers.
Product: Credit reporting, credit repair services, or other personal consumer reports

The investigation did not fix error
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. 
So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 


This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 
I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

USAA has ceased response to claim XXXX. They continue to NOT address any questions I have. Also, they promised to send a payment to the financing company to pay off the vehicle, which is deemed a total loss. So far, they have not taken any action.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Team, Here below in brief my complaint against TransUnion : 1- Yesterday XX/XX/XXXX I applied for credit score and report for free as I read online through Government of XXXX website ( we can get free our credit & Score report ) 2- When I applied online through TransUnion website XXXX nothing says that I will be charged XXXX $ 3- I received email yesterday and my cc was charged XXXX $ and it says this is a membership and it will be charged every month. 
4- I called customer service line of Transunion todaXX/XX/XXXXat XXXX and they say nothing can be done to you and we have no complaint department, for me this is rude and unacceptable from big company not to have manager on duty or complaint department. Moreover, after the customer service feel my frustration, they told this is a membership and can help you to not charge you in the future. 
XXXX I felt I am cheated and not about XXXX $ but the principle behind it I appreciate your help to raise this complaint and I am asking to refund the XXXX $ Thank you Kind regards XXXX XXXX XXXX
Product: Debt collection

I am currently trying to rent a small apartment with the XXXX XXXX  XXXX also I have applied at the XXXX XXXX XXXX and due to the information that was given as a requirement for the rental property I was not I was unaware of all of these issues that is on my credit that is enabling me to lease the space rent the apartment. If you research my credit history and my payment history in the last 20 years you have you will see that I have been outstanding as a homeowner with my home loan as well as the apartment rental that I have been at for the past 4 years at XXXX at XXXX and XXXX Arizona I noticed all of these charges on my credit report and I know for a fact they are fraudulent and my signature if I want any of these contracts is definitely a forge signature I have been with the same mobile device provider for over 6 years and I 've never had any discrepancies with any XXXX XXXX or XXXX all of these other mobile providers I have never had cell phone service or any service with these companies. 
I am asking that you do a thorough check and that you will be pursuant to the matter and have this disputed and removed off of my credit as soon as possible I also was informed that the maximum is a 30-day process but XXXX XXXX XXXX stated that you guys can take this off of here within the next 7 days so I 'm asking you to expedite this process and a very fair manner thank you for your cooperation and helping me Rectify this matter.
Product: Checking or savings account

On XX/XX/XXXX, I attempted to open an account with Vio Bank at www.viobank.com. I received a notice that my account was opened successfully and that two trial deposit amounts would be put into my existing bank account and I needed to confirm the amounts of the small deposits. Nothing was ever deposited into my existing bank account. I contacted Vio Bank customer service on XX/XX/XXXX and was told that my existing bank refused the deposits and that I needed to open a new account at viobank to try again. Customer service said they could not open an account over the phone. I then submitted a second account request and received a notice of adverse action. My husband and I contacted customer service for VioBank again via phone and was told they can not tell me why my second application was denied. They said it was not credit based, but likely something in my application did not match their databases. I do not understand what did not match in XXXX that matched in XXXX. How can I possibly address this without any further information why I'm being denied? This isn't a credit application, this is for me to be able to deposit my money in their bank. This is nonsensical to be denied access to open a deposit account without any explanation or clarity. This process is denying access to the XXXX and anyone who is not clairvoyant.
Product: Checking or savings account

My bank does not ever timely send my account and balance information to  XXXX , and this has been happening since I started using this app in ( approximately  )   XXXX  of last year. The margin between I was instructed to take action either by notifying my bank myself or filing a complaint through the CFPB.
Product: Credit reporting, credit repair services, or other personal consumer reports

All ( 3 ) major credit bureaus : XXXX, XXXX and Transunion are in violation of Federal Law per Congress which specifies 15 USC 1681 ( a ) ( 4 ) " ... respect for the consumers right to privacy. ''. My right to privacy has been revoked as I did not consent to the reporting of such information nor did I give any written instructions to these agencies to make any oral, written or other reports on me. Violation of this law is confirmed under 15 USC1681b ( a ) ( 2 ) " In accordance with the written instructions of the consumer to whom it relates. ". 
The above noted agencies are erroneously reporting information relating to a false, misleading and fraudulent debt by XXXX XXXX XXXX XXXX ( {$25000.00} ). The agencies are also show unauthorized reports from US Department Of Education AFSA ( $ XXXX ) ; these reports have been showing since before 2013 and I have tirelessly worked with the agencies numerous times on my own behalf and through a significant expense to " credit service '' companies. This is STILL continuing to impact my credit, life, reputation and has had adverse action toward my livelihood. The report notes that the balances have been " sold/transferred '' without any information being provided to relating to the sale, how much were they sold for and the associated commission/profit made as a result. 
The above noted agencies are additionally reporting multiple inquiries negatively impacting my credit from third-party entities of which I gave no written notice or authority to request or utilize my credit. There are approximately 10 inquires on each report totaling 30.
Product: Checking or savings account

Hello, I bank with BOA I currently just got my Federal and state tax refund in this account which I been waiting for to catch up on bills due to me not working! I go into bank to make withdrawal I have a XXXX hold! Keep calling them no one tells me anything. Im about to be XXXX  with XXXX  kids because of this situation! They have all my money on hold
Product: Credit reporting or other personal consumer reports

Transunion received a dispute in May of 2024 for an inquiry being reported on the credit report by XXXX XXXX. The credit reporting agency advised a copy of my social security card and other non-public information would need to be provided in order to continue the dispute process. I am aware the credit reporting agency Transunion is a non-governmental entity all of whom which I do not have to provide my non-public information to in order to dispute an inquiry. Especially being that my information was already verified on the recorded call. On another call in May of 2024 when checking the status of the dispute, the credit reporting agency informed me that fraudulent account inquiries are disputed and a copy of social security card are requested. Transunion was informed the inquiry was being disputed pursuant to, 15 U.S.C 1681 permissible purposes. Transunion has not yet updated the credit report and there has been no update to how Transunion is handling the dispute. I request the inquiry be removed and deleted from the consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have repeatedly disputed this account for errors. Every time it comes back as date updated. It states last payment ma de XX/XX/2019. It also reads 30 days late on XX/XX/2019, As well as late on XX/XX/2019. This is in violation and needs to be removed immediately.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX XXXX, I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S.Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

Under 15 U.S.Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In if, general after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete item or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file bf the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
Please remove the following items from my credit report immediately XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX BANK
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX, I have been reporting an Inaccurate account and unauthorized inquiries on my credit report. It has been 60 days yet I haven't seen any changes. I am disappointed of how you guys investigate my credit report as I requested last XXXX months. How could I explain to you that these negative items reflecting in my credit report is affecting me and also the financial stability of my family. Numerous products are getting higher demand in the market and getting expensive. And due to this pandemic, several things have been added to my family 's necessities.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was notified by Bank Of America that I was committing a form of fraud because checks were being written and funds were not available intentionally. I had funds available per my account balance shown online and based on this information I continued to use checks. I then was one day notified account was closed due to fraudulent activity and was reported to XXXX XXXX and have been trying to resolve issue for about 2 years now. No help from Bank Of America and I even wrote them an explanation for good faith due to being unaware of process and delay to updates made on account when using checks. I resolved anything owed to the bank and then asked to be removed from XXXX XXXX and nothing has been done.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate reporting of late payments on my credit report, which I recently reviewed. The account in question has incorrectly reported one late payment, despite the fact that I made the payment on time. As per the Fair Credit Reporting Act, all information provided to credit reporting agencies must be accurate and complete. 

The account in question is listed as having late payments on XX/XX/year> However, I have clear records of timely payments for these months and can confirm that no payments were late. 

I kindly request that you thoroughly investigate this matter and provide verifiable proof, including any supporting records, showing that I made late payments during the specified periods. If this information can not be substantiated with appropriate documentation, I demand that my account be updated to reflect that the payments were made on time, and the late payment entries be removed from my credit report immediately.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX please provide me with the accurate information on these accounts, this effects my life and you guys are listing wrong and inaccurate information 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

Chase has allowed several checking accounts and one credit card opened in my name within their system. After alerting them to the issue, and them closing the fraudulent account they continue to allow these individuals to open accounts in my name. I had even placed a freeze through XXXX and it seems that chase 's system does not utilize any proper security systems. It appears that they do not want to change their system. This is why I'm providing this complaint to you. 

let me know if you need further documentation. 

Thank you, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected 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 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 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, credit repair services, or other personal consumer reports

I was denied from a lender for " too many inquiries '' on my Experian Credit Report, I decided to check my reports from all credit bureaus for accuracy. I have noticed that there are a few credit inquires on my Experian Credit report that I DID NOT authorize and had no knowledge of. I contacted Experian Immediately and was given no relief. I also have a fraud alert already placed which should have avoided any future issues. Please see the following inquires that were not authorized by me with the date of when the report was improperly requested and received. Per my investigation, none of these companies received any identification or authorization from ME to pull my credit for any reason XXXX XXXX XXXX  - XX/XX/ XXXX -XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXXXXXX- XX/XX/ XXXX  XXXXXX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX - XX/XX/
Product: Credit reporting, credit repair services, or other personal consumer reports

These are the inquiries I'd want removed from my TRANSUNION report. TRANSUNION is claiming I sent an incomplete FTC Identity Theft report so I am updating it to reflect the updates. The inquiries are as follows XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Once again please remove these inquiries from my report. Thank you.
Product: Credit reporting or other personal consumer reports

I have a late payment on my credit report. The late payment is on an old car loan for XXXX XXXX XXXX account number XXXX. The late payment was for XX/XX/year>. I was never late for any payments regarding this account which I also have a letter sent directly to me from XXXX XXXX XXXX ( Creditor ), also confirming that I've never missed a payment which I will include in the complaint. I've also sent the letter that was sent to me from XXXX XXXX to the credit bureaus who still refuse to correct late payment. The letter was sent to me so that I can get late payment corrected by credit bureaus.
Product: Credit card

American Express card offered me to shop on XXXX XXXX, 2015, the small business Saturday, and told me if I spend more than {$10.00} on XXXX/XXXX/15, I will get {$10.00} statement credit, so I did spend {$19.00} on a small business XXXX I chatted with Amex rep in earlier XXXX, the rep told me I am definitely qualified. Today I am chatting with a XXXX rep since I received my statement, and the credit is not showing up on statement. Now this rep told me this credit requires vendor approval, and will take up to 90 days to post, the vendor approval and takes 90 days to post were never disclosed in the initial offer. I feel being cheated by Amex.
Product: Mortgage

We have already filed a complaint against our Service Provider ( Ocwen Loan Servicing LLC XXXX. Supposedly by XXXX XXXX, 2015, everything was resolved and they corrected all the supposed-missed-payments for XX/XX/2015. However, since that time, Ocwen " accidentally '' took away our loan modification and suddenly the entire thing started over ... '' You are in default for the last 6 months '' etc.!!! We are back to square one with this company. The closer we look, the more mistakes and lies and manipulations we find. Meanwhile, my health is suffering and I am experiencing a XXXX XXXX XXXX and am out from work sick. Please see attached specifics and documentation.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX I disputed some delinquencies or late payments that where on my credit report to experian XXXX and XXXX   credit bureaus. I have been in a Chapter XXXX for four years they XXXX XXXX XXXX is the servicer of my mortgage and they have been reporting my mortgage payments to all three credit bureaus until I disputed the information that I felt that was inaccurate. The result of my dispute was that my credit report was red flagged and closed even though I have and open account with XXXX XXXX XXXX my XXXX score was in the XXXX hundreds now is XXXX. I fell that this was retaliation for me disputing the delinquencies on my credit report and am also in a Chapter XXXX. Under the Bankruptcy Law 11 U.S.C Section 1328 states and I quote Debts not discharged in a chapter XXXX include certain long term obligations as home mortgages so it is not there right not to report my mortgage payments to the credit bureaus.I feel very strongly XXXX XXXX XXXX violated my rights under the Fair Credit Reporting Act.I would like for my credit report to be restored the way it was before I file any dispute and that XXXX XXXX XXXX remove the Chapter XXXX from my credit report my account number with XXXX  is XXXX.