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

On XX/XX/XXXX after being in Wal-mart store and making a purchase, went to place an online order, my information is saved as I frequently order from Walmart on line. this saved information includes my card information and address. I was declined for this purchase, logged on to check available credit as I had made a payment on XX/XX/XXXX. no restrictions, and enough available credit for purchase. Attempted transaction again still declined, due to nature of online purchase and coronavirus I tried to change from 2 to 1 item, still declined. I logged back into check on card and suddenly my account is restricted. 
I was able to make purchase using my personnel account, so issue was not with Walmart web site, or number of items, was not related to available credit as credit on account prior to payment was enough to more then cover transaction. 
I believed issue was a result of me making to payments on credit card in the month of XXXX. I believed this occurred as this was an issue in XX/XX/XXXX. 
I waited until XX/XX/XXXX to call XXXX XXXX, after confirming payment cleared my bank account on XX/XX/XXXX ( this is what I had to do in XXXX ). Called to have restrictions lifted and find out issue. Restriction was lifted an payment did show posting on XX/XX/XXXX. 
when requesting information as to issue was. 
1st advised it was my error entering information on line, again card information is saved on site, so this is not issue. 
2nd was advised it was issue with Walmart site, this is incorrect or I would not have been able to purchase items at same time using at different payment method. 
3rd was advised it was amount of transaction, this is not correct for 2 reasons attempted to change amount ( 1 item not 2 ) and was still declined, and I have transactions in 3 months greater then this purchase amount that did not have any issue processing. 

I again believe this issue is a result of 2 payments in one month, simply because this did happen previously in XXXX, at which time I was assured it would be corrected, I also believe that the customer service individuals I spoke to are unable or unwilling to troubleshot situation and give me an understanding as to why my card is being restricted every other month. 

I was very upset that customer service was implying all issues where mine, I was very upset that if I had attempted to make a XXXX in store grocery purchased for my family of XXXX I could have been declined at check out, embarrassing of course, but more upsetting as I have the money available on my account, and frequently use Walmart card for grocery purchase for rewards on purchases. 


I would like correct and accurate information as to what is causing restrictions being placed on my card, I would like it corrected so I am not in this situation again. I would like to know I am a valued customer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to file a complaint about an account listed on my credit report that was never updated after paying the balance in full to the collection agency assigned to it. I have already tried resolving this directly with the original creditor, the collection agency and XXXX with no resolution because each organization states it is not their responsibility to report my payment for their own specific reasons stated below : XXXX states that the amount was charged off and the account was closed/sold to XXXX so they no longer report any updates. 
XXXX states that although I paid them for this debt, they can not report the payment under XXXX as they are a separate company. 
XXXX states that their function is only to gather information from the original creditor ( XXXX ) and they have to go by what they say, which is no updates available. 
I understand that I fell behind on past obligations and I am ashamed of myself for those issues. There was a period of time where I had unfortunate circumstances that led me to credit issues but I worked very hard to recover from them and I eventually paid the debt I was responsible for and Ive rebuilt my credit. I did not realize that this account was still showing as unpaid until I was just denied employment because of this outstanding issue. At this point I am begging someone to please report this account as paid. 
The account listed on my credit report is XXXX, the collection agency I paid in full is XXXX XXXX. I have the letter showing that I satisfied this debt and it is attached to this complaint.
Product: Credit reporting or other personal consumer reports

1. There is inaccurate reporting by Transunion the consumer report of the accounts XXXX XXXX XXXX XXXX account number ending XXXX and account number ending XXXX. It is against the law and violation of FCRA to report transaction history on a consumer report which Transunion is inaccurately reporting with the late payments listed on the accounts. These late payment shall be removed. 

2. The hard inquiries by XXXX  XXXX XXXX dated XX/XX/XXXX, and XXXX XXXX XXXX dated XX/XX/XXXX, are unauthorized and had no permissible purposes to access report. Both of these inquiries ' shall be removed from the report. 

3. There is inaccurate reporting by Transunion the consumer report of the accounts XXXX XXXX It is against the law and violation of FCRA to report transaction history on a consumer report which Transunion is inaccurately reporting with the late payments listed on the accounts. These late payment shall be removed. 

4. There is an charge off account reporting by Transunion named XXXX XXXX. A charge off is considered income and a certificate of indebtedness and income is not reported to a consumer report. This account must be removed immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion refuses to give me the name of the person who they contacted regarding a reported bankruptcy on my file. The list the source of their information as the US Federal Bankruptcy Court- XXXX . I have contacted the court and they have stated that due to privacy laws, the Court does not disclose information to credit reporting agencies. So, Transunion has not properly disclosed, by law, the person ( s ), or agency ( third-party ) who gave them this information. It is well known that the CB 's contact third party agencies for information ; and these third-party agencies sell information to the CBs. It is the credit reporting agencies, and/or other third party providers who collect information regarding public cases from public records. Public records information is NEVER validated by the U. S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW. My inquiry to the U. S. Bankruptcy Court confirmed TransUnion Credit Bureau has never validated or verified the public record entry on my credit report, neither will they ever be by them. They further stated while they are NOT liable or responsible for any MISUSE or INCORRECT public records, nor the distribution of said information, public records may, and oftentimes are, reported by third party sources, unawares to the consumer, and in most cases, incorrectly. A copy of the letter from the Bankruptcy Court is attached that says it does not disclose information to credit reporting agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I think it is time to get an attorney .I have not been late ever on my mortgage and only two times in 2018 in 20 years It is clearly printed on my monthly statement that I would like XXXX XXXX to pull on both the first and then second I execrate the issue and they listened to the tape and have refuse to remove I have to pay more than I can afford for an entire year due do bad business something must be done now and I have a contract to close on this rental and once I close I am afraid hey will never move and they have had a year to fix this problem-mortgage
Product: Credit card or prepaid card

Capital one has repeatedly produced no efforts to fix billing errors and/or corrections of closing accounts after being served with furnished instruments and negotiable instruments with correspondents to the accounts between XXXX thru XXXX and current. STATUS UPGRADE has been established under Bankruptcy policy and UNFAIR PRACTICES. They still produce periodic billing statements after payment of debt has been deposited with stipulations of UCC and U.S.C. regulations. Rejection on negotiable instruments TITLE 15 USC 1611 1604 1605 1666B TITLE 18 USC 8 12 USC 411 18 USC 911 16 CFR 433.1C 16 CFR 433.2 16 CFR 433.3 HJR 192 ( 73-10 ) ( CHAP 48.48 ) UCC 3-308 3-603 3-306 3-311 3-104 3-419 3-502 3-501 WITHOUT RECOURCE {$400.00} and up as high as {$8000.00} current
Product: Credit reporting or other personal consumer reports

Recently i looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit it's my understanding that Bureaus investigate this account for me to ensure accuracy. Here is the ** i am asking you to verify as accurate XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to express my concerns about significant issues I discovered in my credit report. Upon review, I identified several inaccuracies, such as incorrect account listings, unauthorized inquiries, inconsistent billing, and accounts that are not mine. These errors are affecting my financial stability, and I require your immediate assistance to address and resolve them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX XXXX  XXXX Balance Owed : {$1100.00} XXXX XXXX Balance Owed : {$1200.00} XXXX XXXX Balance Owed : {$1600.00} XXXX  XXXX Balance Owed : {$5800.00} XXXX XXXXXXXX Balance Owed : {$2600.00} XXXX XXXX Balance Owed : {$2400.00} XXXX  XXXX Balance Owed : {$1900.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/22 I spoke to an associate at each of the adhering to business, XXXX, XXXX, and Transunion concerning the possibility that they were reporting fraudulent accounts on my consumer documents. I pleaded with them to get rid of these accounts as I had no understanding or details on where these accounts came from. I was told by all XXXX companies that I needed documents and also to submit an FTC record. I did simply that and sent my letters using certified mail on XX/XX/22. After 30 plus days from sending my letters, the accounts are still showing on my record and also were in some way " verified '' even though they are not mine. I am incredibly overwhelmed and also disappointed over this because my family members as well as I are trying to buy a home and this circumstance is maintaining us from being able to do so. I called all XXXX companies once more on XX/XX/22, asking how they somehow verified that these accounts were mine however they only told me to speak to the creditors directly which they couldn't do anything else to aid me. I tried calling all the financial institutions that were fraudulently reporting on the customer file, as well as with no shock they had no understanding of me or the accounts either. I am not exactly sure what else to do and after looking into on the internet I came across the CFPB web site that some good friends of mine told me would certainly help me with my situation. I actually wish this helps because my family as well as I frantically need this home we are attempting to look for.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is so annoying & frustrating. Ive sent EXPERIAN multiple letters that XXXX the XXXX whos disputing the items that are UNKNOWN to me. In Experians responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify these claims? First of all, I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. 

( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency.

Again, under FCRA 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 

I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and XXXX XXXX XXXX that has been XXXX. List of items that are UNKNOWN to me : XXXX  XXXX XXXX Date Opened : XX/XX/1996 Balance : {$18000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed letters to XXXX, Equifax, and XXXX on XX/XX/2023 requesting that they all remove late payments and student loan accounts from my consumer credit report as this information is listed in violation of the following consumer credit protection laws : 15 USC 1681 Section 602 which states that I have the right to privacy 15 USC 1681 Section 604 A Section 2 which states a consumer reporting agency can not furnish an account without my written consent. *15 USC 1681a - Definitions ; rules of construction- Exclusions- Except as provided in paragraph the term " consumer report '' does not include- any report containing information solely as to transactions or experiences between the consumer and the person making the report. 15 USC 1666B A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose. In addition, I requested proof of how information regarding the listed bankruptcy was furnished, and have not received a response from any of the bureaus. The listed information is in direct violation of my consumer protection rights as I have never authorized them to list this information, on my credit reports, and was informed that this information was never supplied to any consumer reporting agencies.
Product: Checking or savings account

I had a checking account with Bank of America. When I tried to transfer money to my account in XXXX, the bank closed my account without giving a reason. The problem is that I am not in the XXXX and can not travel there in the near future to withdraw the money in my account. The only options they have given me are to personally receive a check ( which I can't do as I am not in the XXXX ) or to travel to a Bank of America XXXX in the short term to receive my money. I would have to spend a lot of money to travel just to access MY OWN MONEY! I have asked them to transfer my money to another bank account, but they are refusing to do so.
Product: Credit reporting

I joined the United States XXXX in XX/XX/XXXX and was stationed in XXXX, Washington. I am from XXXX, Georgia. I XXXX to XXXX XX/XX/XXXX and did not return until XX/XX/XXXX. I was told this XXXX tax lien should not be on my credit report and it was wrongfully filed on my XXXX and Transunion credit reports. Please help me take both of these tax liens off my credit reports. I am trying to buy a house and every company is telling me they can not extend credit because of the tax lien.
Product: Credit card

On XXXX/XXXX/2016 I deposited {$7000.00} in my PNC transaction account. On XXXX/XXXX/2016 with the funds showing available I scheduled a {$6800.00} to my PNC credit card for XXXX/XXXX/2016. My transaction account shows {$6800.00} withdrawn and credited to my PNC credit card on XXXX/XXXX/2016. However my credit card account shows {$0.00} available balance. When I called regarding my account status I was told that PNC had to verify funds. Why does PNC have to verify cleared from funds from my PNC transaction account used to make a payment on a PNC credit card account and thereby deny me access to my funds?
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive notified EXPERIAN with several complaints and letters stating how they are improperly reporting information on my consumer file which is unlawful according to the FCRA! Ive also made several complaints via the CFPB portal and EXPERIAN continues to ignore my notices, and by doing so they are now committing willful negligence which is a violation of the FCRA. Ive recently sent an affidavit giving EXPERIAN notice of these violations and stated that Im also holding them civilly liable pursuant the laws under the FCRA. They continue to ignore the law and report improper information regardless of the efforts Ive made to rectify the situation. Pursuant 15 usc 1681c ( a ) ( 4 ) they do not have the right to report the accounts XXXX and XXXX.
Product: Credit reporting or other personal consumer reports

I am filing this complaint against TransUnion for failing to maintain accurate and current personal information on my credit report, as required under the Fair Credit Reporting Act ( FCRA ). Despite previous requests, my credit report continues to contain outdated or incorrect variations of my name and address, which have not been removed. I have provided my correct information, but TransUnion has retained inaccurate data without proper verification, which is a violation of the FCRAs accuracy requirements. 

My Correct Information : Full Name : XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX Last 4 digits of SSN : XXXX Violations of the FCRA : Failure to Maintain Accurate Information ( FCRA, Section 609 - 15 U.S.C. 1681g ) Under Section 609 of the FCRA, credit reporting agencies are required to maintain accurate and verifiable information on consumers ' reports. TransUnion has failed to remove outdated names and addresses despite having my verified current information. 

Inclusion of Unauthorized Information TransUnions continued reporting of old names and addresses without my authorization infringes on my right to accurate reporting. The presence of these entries also affects my creditworthiness and is a violation of the FCRA.
Product: Credit reporting or other personal consumer reports

in accordance with the fair reporting act XXXX  acount number 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 AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS
Product: Money transfer, virtual currency, or money service

XX/XX/2020 PayPal received a direct deposit form unemployment benefits and held it. They have held it for over the 180 days they said they would and still wont release it. While calling customer service I am on hold for 3 hours now.
Product: Credit reporting or other personal consumer reports

I was a victim of the Equifax data breach
Product: Credit reporting or other personal consumer reports

I put a freeze on my credit report from transunion in XXXX and I was informed just yesterday from an apartment i was interested in renting that it is still allowing my credit to be viewed. The information is wrong on transunion and they have not made any attempts to fix it. My score is XXXX on both XXXX and XXXX who have deleted items that were not mine or inaccurate. Yet TransUnion still has those accounts and a low score of XXXX that they seem to disclose to everyone even after I have put two freezes on there. I also need the number to be added to their lawsuit because this is the second time they have stopped me from getting a place.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian mailed a copy of my credit report dated XX/XX/XXXX which included the following accounts that were previously disputed which Experian stated '' the disputed information does not appear on your current Experian credit report. The accounts in question are ; 1.XXXX XXXX XXXX # XXXX, 2. XXXX XXXX XXXX # XXXX, 3.XXXX XXXX XXXX #, 4.XXXX XXXX/XXXX  # XXXX, 7. XXXX/XXXX   # XXXX, 8.XXXX XXXX/XXXX XXXX XXXX # XXXX, 9.XXXX XXXX XXXX # XXXX, 10.XXXX XXXX/XXXX XXXX # XXXX. I am included a copy of my Experian Credit report for supporting documentation
Product: Mortgage

FREEDOM MORTGAGE DEFRAUD US WITH OUR  CLOSING COST TO OUR MORTGAGE PAYMENT. {$320.00}, XXXX. IT SHOULD BEEN {$320.00}, XXXX AS WE ARE SELLING OUR HOUSE. TOTAL FRAUDULENT SCHEMES PLACE UPON INFORMATION PROVIDED TO THE MORTGAGE LENDER ARE DECEIPTFUL DISHONEST. LITERALLY DONE DEEMED BIAS, AS USUAL. PROBABLY BECAUSE OF MY LAST NAME SPELLS OUT XXXX FORMAT. OR, JUST CAN'T GET AWAY WITH THEIR EXPEREINCES OF FRAUDULENT EXPERTISE. 

I NEVER MISS A PAYMENT, NOR WE LATE IN ANYWAY SHAPE OR FORM. DISHONEST PRACTICES IS LEADING OUR COUNTRY SINCE OBAMA WAS IN OFFICE FOR 8 PLUS YEARS. ROCKET OF CORRUPTIONS COLLUSION DECEPTIVE GROWING OUT OF STYLE IN OUR CONTRY INVOLVING FINANCIAL ACTIVITY. FREEDOM MORTGAGE ADDING UNNECESSARY CHARGES TO OUR LOAN BALANCE JUST TO TARGET US FINANCIALLY. OF  COURSE. AS USUAL. STRICT SCRUTINY MUST CONDUCT IN ORDER FOR THE LIGHT OF JUSTICE TO PREVAIL ON EVILDOER EXPERT. LIKEWISE TO OBAMA & XXXX AND ALL THE REST TRYING TO BETRAY OUR COUNTRY FIANCIALLY, ETC.
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint concerning the inquiries that have appeared on my credit report. I have concerns about the nature of these inquiries, including unauthorized or inaccurate inquiries, and I kindly request your assistance in addressing this issue. 

I have noticed inquiries on my credit report that I did not authorize or have any knowledge of. These unauthorized inquiries are affecting my XXXX XXXX and financial standing, and I believe they should be thoroughly investigated. 

inconsistent with my financial activity. I am concerned that these inaccurate entries XXXX impact my creditworthiness unfairly.