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

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$18000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

I heard that Wells Fargo has had issues with mishandling customer 's $ through mortgages, loans, and overall savings accounts. This caused Wells Fargo to pay {$3.00} XXXX to its customers. Since I have been a customer of Wells Fargo for well over 9 years, I am afraid my account was impacted and may have had issues over the years that I was not aware about. I would like to make sure 1. I was not impacted by this issue and 2. If I was, I would like to be compensated for any amount that was missing under my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit score has been suffering tremendously because these accounts that i have already settled have not been updated. Also, some of them were sold to a collections agency and that leaves my information being prone to identity theft. Now these bureaus have been hitting me hard for that and I am writing this to ask help from you becuase they wouldnt listen to me
Product: Debt collection

On several dates during the month of XX/XX/XXXX, I received several phone calls throughout the day, XX/XX/XXXX through XX/XX/XXXX several times a day I would receive phone calls from this debt collector telling me that not only will they report me to local law enforcement but are also going to seek a chips order ( child in need of protective services. ) At first they refused to send me a bill, with an insurance breakdown, of the charges. I had 3 insurances at this supposed bill. Which they refused to do, citing some bogus wisconsin law that they can and will have me arrested. I called their bluff. It is now 40 days later and now there threatening me with a civil suit and wage garnishment immediately. Which again is agisnt Wisconsin civil suit laws and the fair reporting credit act. 
I would like this removed immediately from my report. Thank you
Product: Credit reporting or other personal consumer reports

This account is a result of fraud! After Reinvestigation After Reinvestigation I'm challenging this account on factual bases.I am writing to formally dispute the inaccurate information that remains on my credit report following a recent reinvestigation. Despite my previous dispute, which was allegedly verified by the data furnisher, the information remains incorrect and non-compliant with Metro 2 standards and consumer protection laws.Inaccurate Information : Account Name/Number : XXXX XXXXXXXX XXXXReported Inaccuracy : The account is reported as " Charge-off '' with an amount past due of {$12.00}. Additionally, the payment history indicates that only 81 % of payments have been made on time.Reason for Dispute : This information is incorrect. The account should not be listed as a " Charge-off '' as the payment history is inaccurately reported, suggesting incomplete or erroneous data. Legal Basis for Dispute : According to the Fair Credit Reporting Act ( FCRA ) and Metro 2 standards, credit reporting agencies must ensure maximum possible accuracy in the information they report. The proof that I am submitting shows even after reinvestigation EQUIFAX is still reporting inaccuracies. The continued presence of inaccurate data on my credit report violates these standards. Specifically : Metro 2 Compliance : The Metro 2 format requires accurate and timely reporting of payment histories. The discrepancies in the payment history of the XXXX XXXX XXXX account violate this requirement.Fair Credit Reporting Act ( FCRA ) Compliance : Under 15 U.S. Code 1681i ( a ) ( 1 ) ( A ), The persistence of inaccurate data indicates a failure to meet this standard.Given the failure to comply with these legal standards, I demand the deletion of the inaccurate information regarding the XXXX XXXX XXXX account from.Lastly XXXX honored there obligations and delete this item EQUIFAX must do the same
Product: Credit card or prepaid card

I received my chime card on XX/XX/21 and activated it XX/XX/21 and put 2 cash deposits. One in the amount of XXXX $ and one for XXXX XXXX XXXX was only able to do XXXX per transaction which is why 2 separate deposits were made. I had direct deposit set up as well but has not been received that way because it takes 2 billing cycles to complete. I used my card 2 times. Once while on vacation at a T-shirt shop for XXXX $ and once to pay my utilities bill about XXXX XXXX At XXXX this XXXX  when trying to withdraw money from an atm I received An email stating my account had been closed. I am now stranded 200 miles from home on what was supposed to be my vacation has turned into a nightmare as I have no access to any of my money with my XXXX young children with me.
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/23, I decided to get my roof repaired. I was contacted by a roofing company. I was told to fill out an application to be approved. I informed them, I had a budget and wanted to pay a certain amount. I received an email stating my interest rate was 12 % and I was approved. I decided I did not want to continue with the roof repair. I let the XXXX know. Later I received an email from Service Finance company that my payment will be due soon and they wanted to know if the work was to my satisfaction. I called them and let them know I did not get any work done. In their contract is states there must be a signed contract stating the work was done. They did not receive a signed contract. I called the contractor and they contacted Service finance. They were informed work was not done. I requested to cancel the loan. I thought was a loan approval. Service finance still has the loan open. Service finance informed me I must call the XXXX again and have them cancel the loan. I
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out that Credit Bureaus 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. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX, SC XXXX ; XXXXXXXX XXXX XXXX  XXXX XXXX, FL XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$19000.00} ; 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion has taken it upon themselves to place a fraud alert on my account without my consent or permission. This is causing me to be denied access to my credit report and credit. 

Transunion has been using deceptive and retaliatory practices sense I began disputing with the accuracy of my report as well as privacy on XX/XX/2022. When trying to call to get this fraud alert that only shows up in some places but not on their online website, I am told that there is a procedure to remove it but no one on the phone wants to help me through that process. 

Today at XXXX XXXX EST I spoke to XXXX XXXX ( who says that they don't have agent ID 's ) He began to walk me through the procedure but I told him I am not able to access the fraud alert portion of the website. However, on other websites I see there was a fraud alert placed on my credit report. I can access every other tab on my profile except that one, it shows an error screen. 

Now, Transunion has sent me a letter to an address that is inaccurate and I've been trying to correct that as well but all of their agents direct me to the website which I don't want to use. 

I am being denied access to my credit report, credit, and a fair, impartial investigation. 
XXXX and XXXX have deleted all the information Transunion is investigating so Transunion 's data on my credit report is inaccurate. Not only that but because of Transunion 's inaccurate reporting and lack of resolution I have been denied credit, even though my credit score has raised in other places because of the information being deleted as per my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Audi Financial Services provided a deceptive account statement, recorded my bankruptcy reaffirmation and then shut down access to online payments as well as discontinued sending additional billing statements. 

Please see the attached last billing statement that reflects 59 payments made and one remaining. The last payment or 60th payment was made on XX/XX/2018. Audi Financial Services proceeded to charge off my loan without any notification when it should have been paid in full. 

I have since paid the charge off as result of the substantial harm to my credit and ability to obtain additional financing. Note the date on the statement is XXXX XXXX-what year is that? 

Also, it has been over 60 days since I paid the disputed charge off and I have still not received a satisfaction of lien or paid in full contract.
Product: Bank account or service

My bank BB & T has charged me an unfair overdraft fee of {$72.00}. I call this stealing. 
My checking account had enough money to cover XXXX small charges I used on the evening of XXXX. Later that evening around XXXX I received several texts messages my account was overdrawn. The next day I viewed my account. XXXX ( Available balance now over XXXX ). 

There were XXXX pending bills I wanted to Que up for processing as early as possible. ( Most take over 2 days ) The bank put the status of these XXXX payments ( pending for a few days ) as pending, then added the other XXXX from XXXX also pending, causing me a problem. On XXXX all XXXX pending payments WERE STILL PENDING. ( Meaning no one has taken my money yet. It is still in my account ). 

At the very least they should have processed my XXXX smaller debit card purchases from what money was there. It would have costed me much less, but no. I have noticed the largest payment is made first as if trying to overdraft as many smaller payments as possible. 

I feel this is very unfair to the average consumer and I think new laws are needed to protect people from the greed of this bank. 

BB & T is really not the best bank in town. They are thieves. I am asking for help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a dispute in regards to the incorrect on my credit report. It has been well over 30 days and i haven't received any investigation results.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXXXXXX - XX/XX/XXXXXXXX XXXX XXXX XXXX I XXXX {$700.00} XX/XX/XXXX XXXX XXXX {$0.00} XX/XX/XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. The below companies have fraudulent accounts on my credit profile that need to be removed immediately. 

XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Account Name : XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Account Name : XXXX XXXXXXXX Bank Account Number : XXXX Date Opened : XX/XX/XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX
Product: Debt collection

On my credit report is XXXX XXXX XXXX for XXXX I wrote a certified letter asking them to validate the debt because I had never been contacted nor did I owe this kind of money to anyone. There was no reply. It's been a year and still no validation. I called and they said it was for speedy cash. I haven't had a speedy cash loan... ever. I even checked my bank account to be sure and nothing for the last 10 years has ever been deposited in my account from speedy cash.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent numerous letters to have the 2 XXXX  accounts investigated. I have not received any documentation validating I owe this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a complaint with Transunion on XX/XX/XXXX regarding an account on my credit report listed as XXXX/Acct # XXXX. My dispute obtained information stating that the account was over 3 years old and it should be removed due to the statue of limitations in SC is 3 years for debt collection. The response from Transunion was " Verified as Accurate '' ( see page 2 of my attachment ) I did a little more research and looked thoroughly at my previous credit reports ( see attachment ) and found that at one point the same account was listed as XXXX/Acct # XXXX ( see page 4 of the attachment ) and it was deleted from a prior dispute and at that point the information was listed as XXXX with the same account number and possibly XXXX. I took another look at my Transunion report with an issue date of XX/XX/XXXX, the same account # under a different name ( see page 7 of the attachment ) I need this information to be corrected, updated, and deleted from my credit file and sent an updated report to reflect the changes. Thank you for your assistance with this matter!
Product: Credit reporting or other personal consumer reports

I'm writing about fraudulent personal information linked to my identity. Accounts and transactions have been wrongly attributed to me without my awareness or approval, causing significant distress. As an identity theft victim, I've reported this incident. This situation needs urgent addressing due to its negative impact on my finances and reputation. I request your help in swiftly removing all fraudulent information from my credit report and thoroughly investigating this matter. I'm prepared to provide necessary evidence and, if needed, take legal steps to defend my rights and seek compensation.
Product: Checking or savings account

Hello Im missing {$500.00} atm didnt give me the money usually I wouldnt be upset things happen but on this date XXXX XX/XX/2022 I made atm withdraw at wellsfargo and atm never gave me the money it took it from my account Ive been on the phone with them about 15 times since then and nobody still can tell me when Im going to get my money its about to be 30 days as of tomorrow and I still havent gotten my money bank manager knew atm was messed up they never called it in they continued to let people try and use it at this point I just want my money back I have bills to pay and now behind and its because they did t do theres job if the manager would of called the atm in as having issues they would of marked it out if service
Product: Debt collection

Mountain Land Collection has two balances under my credit report in the amounts of {$1700.00} and {$2200.00}. I believe the original debt holders were XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX which were both under XXXX XXXX XXXX who filed for bankruptcy on XX/XX/year>. The hospital and clinic is now owned by XXXX XXXX. Ive disputed the debt cuz the dates are incorrect and the dates are not accurate, I also asked for an explanation of debt. XXXX itemized bill and havent received anything.
Product: Debt collection

This item is being reported as late on my credit bureaus and in fact has never been late
Product: Credit card or prepaid card

Ive tried to handle this in-house with Merrill Lynch/Bank of America. 
Merrill gave me a case number for my charge dispute : XXXX. 
They mailed a letter to me dated XX/XX/XXXX. The letter gave me 10 days to respond by fax with my particulars. By the time the letter reached me by ( snail ) mail I had 2 days. 
I called Merrill and they told me 3 key things 1. ) The time frame didn't matter and the case would remain open even if I missed the 10 day window. 2. ) They had an address to XXXX to and it didn't have to be faxed and 3. ) Even though the XXXX point was in XXXX my packet would be forwarded to their dispute center. It should be noted that I indicated on my packet the intended end recipient and my case number. A weekend was in play and I don't own a fax machine. I have proof from XXXX the envelope was delivered and signed for. 
Merrill has notified me my case is closed for lack of response from me. 
A few of my calls : XXXX XX/XX/XXXX, XXXX XXXX, at XXXX PDT I was transferred to another site only to hear ; office closed ( sic ). XXXX XX/XX/XXXX XXXX , no help, then re-call this time to XXXX , no help. Im serious, really, no attempt to help me or escalate my concern. Case closed. 
Please help me.
Product: Checking or savings account

Today is my payday and my money is not in my account due to technical issues at Capital One bank. 

I need to pay for my son 's child care, XXXX  bills, groceries. 

How come a bank let that happen? 
This tech issue is unacceptable for a company that millions of people have been relying on. 

Please give me my payment so I can pay for my bills otherwise I'll have to pay interest and will capital one cover them? 

Kindly ask you to look into it. 

XXXX
Product: Money transfer, virtual currency, or money service

Hello, My name is XXXX XXXX My paypal account is XXXX. 

I received notification from paypal about my account has been permanent limited reference XXXX. 

I think this arbitration desicion, i never has dispute about nothing. 
I never has any problem asociate with fraud activity. 

I just use paypal for made purshase. 
I always use paypal in a good manner. 

I want get help about this situation if my account never has any dispute or involve in any fraud activity i dont think my account is associate to any risk if i use paypal for many year without any issue.
Product: Payday loan, title loan, personal loan, or advance loan

There are inconsistencies with the report from this company Affirm on my credit report. Even after calling and discussing for said company to remove or reflect proper payment I was denied and refused. It is shown that I am 120 days late with payment which is inaccurate. I have made payment in both XXXX and XXXX. This payment is not reflected and updated to credit reports.
Product: Credit reporting or other personal consumer reports

amount XXXX transunion showing the account still open.. 
experian showing the account closed.. i sent letters off to them to delete it off my credit report.. please investigate and delete it from my creditreport
Product: Credit reporting or other personal consumer reports

XXXX Please Remove these Unauthorized Inquiries removed from my credit report. 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX Experian Please Remove these Unauthorized Inquiries removed from my credit report. 
XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX Account XXXX has violated my rights. Or a list of inquiries : 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 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: Debt collection

Debt have been paid. Amount XXXX. Reference number XXXX. It's still showing on my credit report. I wasn't aware or notified of the bill/debt. I informed the ( ERC ) ( XXXX  ) to remove/delete collection from my credit report after being paid in full.
Product: Mortgage

Pursuant to complaint XXXX of XXXX of 2023 NewRez was accepting only checks are payment by phone but I was unable to pay by check because my social security comes on the second week of the month of XXXX so I wrote a check. the check was written on XXXX XXXX day before the grace period ended on the XXXX. 
I wrote in the numercal square {$1300.00} but in the alpha section I wrote XXXX XXXX XXXX dollars XXXX XXXX cent. 
The bank NewRez did noy inform me of my mistake but kept reminding me I owed {$1000.00} U XXXX dollars. 
Each month after XXXX they remined me of that debt, and until my bank informed me it was my error.
Product: Credit reporting or other personal consumer reports

Despite this attempts now to have these inaccuracies corrected, the fraudulent items remain on my report, significantly impacting my financial standing and credibility. The fraudulent items in question are not only incorrect but have been inaccurately listed on my credit report for an extended period. I have provided substantial documentation and evidence proving the fraudulent nature of these items, yet they continue to adversely affect my credit history. This situation has caused me considerable stress, inconvenience, and potential financial harm. Immediate action is imperative to rectify this matter. I expect a thorough investigation into why these fraudulent items persist on my credit report despite multiple requests for their removal. Additionally, I demand transparency regarding the steps being taken to address this issue and a clear timeline for its resolution. Furthermore, I am seeking the assistance from you to ensure that this matter is handled appropriately and expeditiously. The presence of these inaccuracies on my credit report has significantly impacted my ability to access credit, secure favorable loan terms, and pursue other financial opportunities essential for my financial stability. The following items should be remove as soon as possible : XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$2400.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX TX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, TX 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