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

Transunion replace the deleted account back on my credit report unproving the account was mine with inaccurate information. XXXX XXXX  - Account # XXXX - Inaccurate ACCOUNT NUMBER and Status of {$25000.00} AMOUNT PAST DUE and CHARGE-OFF Reporting XXXX XXXX  XXXX Account # XXXX - Inaccurate Account Number and Status of {$24000.00} AMOUNT PAST DUE and CHARGE-OFF Reporting SHOWING CLOSED ACCOUNT BUT POSTING LATE PAYMENTS XXXX XXXX XXXX, THEN CHARGE OFF DATE UNKNOWN THEN AMOUNT PAST DUE, NO CHARGE OFF ACCOUNT CAN HAVE A PAST DUE AMOUNT OR REPORTED PAST DUE AMOUNT. FCRA 609 ( a ) and FCRA 611 ( a ) ( 2 ) Violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

During covid outbreak I was unemployed and could not make my rent payment to XXXX XXXX, I was talked into staying and trying to catch up on rent, then I was put on President Trumps " No Eviction '' plan, then after it all was in fact evicted. Ive reported this to all 3 credit reporting companies and only 1 has taken down the unconstitutional collections that the XXXX XXXX claims I owe, even though I had a legitimate reason that I could have broken my lease when I was not behind in rent but talked into staying, put on the program and then evicted against the Presidents wishes. I still have no real employment but manage to survive by way of free campgrounds and odd jobs because I can't get vaccinated because of XXXX and cold, and my main work was with the public. And now XXXX won't even let me dispute this. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

The TRANSUNION credit reporting agency is reporting inaccurate information on the listed accounts below ; Due to their errors in reporting Im reporting this violations. The first being with the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. And the second being the FCRA, which requires all reporting to be 100 % accurate. If the information is NOT 100 % accurate it must be deleted from the agencys report. The accounts listed below are inaccurate. TRANSUNION has not taken the correct steps to evaluate the information. Ive contacted them about the issue & they continue to fail to provide me with verifiable proof. Ive disputed it with all TRANSUNION & they too are withholding any verifiable proof. I believe their records are wrong & Id like this matter handled ASAP. Please update these accounts to never late. This is a strict violation of Fair Credit Reporting Act sections 616 & 617. They have provided ZERO VERIFIABLE PROOF & I feel are willful noncomplying and being truly negligent. I need you to please evaluate this reporting by making a revision of the information provided. 

XXXX XXXX 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
Product: Debt collection

Credit Protection Asso, for XXXX/XXXX, is trying to collect a debt that has NOT been Validated as mine, which has been disputed and requested to do such Validation on XXXX XXXX, 2017, also a Complaint was sent to Florida Office of Regulation because Credit Protection Asso, is NOT licensed in the State of Florida to Collect such debt. No response has been made to the complaint. This debt is reporting FALSE information on the following credit agencies, XXXX, XXXX and XXXX. Reporting in the amount of {$560.00}. This is a Violation of the FRCA.
Product: Credit card

Synchrony Bank/Lowes XXXX They charged me {$300.00} in interest for a promotion I didn't sign-up for. I have shopped in Lowes ever since they closed my account over a year ago and I haven't been in that store since. And, I never would have signed up for any promotion ever.
Product: Credit reporting or other personal consumer reports

I am contacting you to request the immediate blocking and deletion of the following fraudulent accounts and inquiries from my credit report. I am a victim of identity theft stemming from a data breach, and these accounts and inquiries are not mine. Under the provisions of 15 U.S.C. 
1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have fraudulent information removed from my credit report. 
Accounts to be Blocked and Deleted : 1. DEPT OF ED/XXXX Account Number : XXXX Date : XX/XX/XXXX Amount : {$0.00} 2. DEPT OF EDXXXX  Account Number : XXXX Date : XX/XX/XXXX Amount : {$0.00} 3. DEPT OF ED/XXXX Account Number : XXXX Date : XX/XX/XXXX Amount : {$0.00} 4. DEPT OF EDXXXX Account Number : XXXX Date : XX/XX/XXXX Amount : {$0.00} Inquiry to be Blocked and Deleted : XXXX. XXXX Date : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Macys/DSNB is not following the XXXX XXXX compliance guidelines. Comments made by the creditor does not indicate that the account was settled. In accordance to XXXX XXXX, the creditor has to indicate the first date of delinquency. The creditor does not include other XXXX XXXX information such as payment status. The creditor failed to correctly report credit information. According to FCRA, creditors are required by law to report information correctly. I have contacted this creditor several times regarding correctly reporting information and they will not comply with reporting information in accordance to FCRA and XXXX XXXX. Therefore, this account should be deleted from my credit report.
Product: Vehicle loan or lease

I was approved for a loan from PNC, I took the check to a dealership to purchase a used XXXX XXXX XXXX   with XXXX miles for {$16000.00}, with a {$1500.00} trade in and fees included my bottom line price for the car is about {$16000.00} after trade-in, tags, and fees. The dealership accepted the check, and after almost three weeks, PNC notifies me that the loan has been denied due to the car having more than 80k miles, we then head to the dealership for them to get us a loan from their network however their interest is twice as much as what PNC provided us. Upon me doing some research I notice that under terms and conditions PNC does allow financing on vehicles with 80k to 100k miles. However certain restrictions are applied. Right now this puts me and my family in a vulnerable position because, we have a car that we are concerned with driving because we dont know whether we have to return it or not, and if we do return it, we will then need our trade-in back. So this loan denial is causing a chain reaction which is making this buying experience extremely unpleasant. Please assist us in working with the bank to approve the loan.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was infeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to Transunion multiple times about this company. I am not sure how they were able to access my information with a freeze on my account. I did not approve this inquiry. Nor do I have any products or service with this company. I will be attaching my Transunion report along with my XXXX report. You shall see that my Transunion account has been lock since 2019. You will also see that my other credit reports have no record of this company that got access to my Transunion credit report.
Product: Credit reporting or other personal consumer reports

This account was charged off on the following date XX/XX/XXXX. It is also being reported and stated the last payment made on this account was XX/XX/XXXX but the account is being reported as charged off in XX/XX/XXXX which is inaccurate. This account is also being updated as a charged off on my report as if the account is still open and reporting a balance of {$150.00} when the account should be XXXX due to the account being a charged off account. It is also reporting and updating as charge off from XX/XX/XXXX to XX/XX/XXXX on EXPERIAN but reporting updates on XXXX from XX/XX/XXXX to XX/XX/XXXX and no information being reported from XXXX which is also inaccurate. This account is also reporting updated balances with different, EXPERIAN XX/XX/XXXX, XXXX XX/XX/XXXX and XXXX XX/XX/XXXX which is also inaccurate. All the information on this account which is inaccurate and a violation According to XXXX XXXX XXXX XXXX, EXPERIAN, XXXX, and XXXX are supposed to ensure MAXIMUM POSSIBLE ACCURACY. This account violates these laws : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following accounts : EXPERIAN Account Name : BANK XXXX XXXX Account Number : XXXX XXXX Account Name : BANK XXXX XXXX Account Number : XXXX XXXX Account Name : XXXX OF XXXX Account Number : XXXX
Product: Checking or savings account

This is not a duplicate request! Previous request had a miss-type in the last XXXX digits ( XXXX instead of XXXX ) of the account, which bank opened without my consent, so bank simply responded " Were unable to find an account ending in XXXX ''. So here is the correct last XXXX digits of the account, which this bank opened without my consent. ( XXXX ) COMENITY CAPITAL BANK opened a new account ( XXXX ) under my name, without my consent or any involvement, which includes a charge with interest and fees under my name, which they keep increasing and submitting to Credit Bureaus ruining my credit score. 
The account I had opened with XXXX XXXX was : XXXX It can clearly be seen from the XXXX XXXX XXXX XXXX XXXX for {$150.00} Autopay setup here ( XXXX ) XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX. 
{$890.00} LVNV FUNDING LLC XXXX. 
{$450.00} XXXX XXXX XXXX XXXX. {$900.00} I see those account in my credit report those accounts are unauthorized I will like them to be removed removed immediately
Product: Credit reporting or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate accounts in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I attempted on XXXX to purchase a XXXX bus ticket costing {$350.00} through their website and the transaction was declined, no information was provided about the decline other than to contact the bank about the issue. I needed a bus ticket immediately and noticed XXXX had another method of payment which was their XXXX feature. This feature allowed for me to go pay cash at participating retailers. I then went to XXXX and paid cash in the amount of {$350.00} to receive my ticket. I do have the receipt for this transaction. Prior to heading to XXXX I immediately did make contact with Cash App support via chat because I noticed the amount was infact deducted from my account even though the XXXX transaction never went through. I do also have records of the chat with Cash App. The charge was just pending so I believed it would be refunded. I left on the bus and traveled for over a day to my destination. Once I arrived I became aware that the charge was no longer pending but was complete. I first made contact with XXXX and was told they had no record of the card being charged and any pending charge would be reversed and that there was no evidence of a double booking. I also went onto my Cash App and disputed the transaction through their process and provided the receipt where I had to use an alternate payment. The next day I received an email from Cash App that my claim was denied. I have attempted on multiple occasions to contact both XXXX and Cash App pertaining to this charge and I am receiving no assistance for this {$350.00} charge.
Product: Credit card

On or around XX/XX/, I opened a business credit card at Bank of America ( XXXX ). It came with a 0 % interest promotional offer for 9 billing cycles, including the statement that included XX/XX/XXXX. 

My XX/XX/XXXX XXXX had a due date of Sunday, XX/XX/XXXX. On Friday XX/XX/XXXX, I paid my balance off in cash at a local Bank of America branch. On XX/XX/XXXX, I was notified that I was assessed a finance charge. 

On XX/XX/XXXX, I called Bank of America to inquire as to why I incurred a finance charge when I paid off my card during the 0 % promotional period. The support representative informed me that Bank of America has a cutoff at XXXX Pacific Time for same day processing. As I paid after XXXX on a Friday, my payment did not post until Monday. 

The support representative attempted to reverse the charge, but it was denied by the system. I attempted to escalate the issue, and was transferred to the representative 's manager ( XXXX ). However, XXXX was not available, and the transfer failed. 

-- -- -- - There is no warning about the XXXX cutoff time anywhere in the statement. Furthermore, it makes a weekend due date a lie, as the actual due date is XXXX the Friday before the weekend. Lastly, Bank of America 's website makes it impossible to pay a business credit card with an external account, like is possible in most other institutions. 

-- -- -- - Attached are my XX/XX/XXXX and XX/XX/XXXX statements. 
The XX/XX/XXXX statement demonstrates that the balance was still in the 0 % period during that time. The XX/XX/XXXX statement demonstrates that the payment was transacted on XX/XX/XXXX ( 2 days before due date ), and posted on XX/XX/XXXX ( One day after due date ).
Product: Money transfers

XOOM took payment, did not provide service..threatened cancellation..they were told to go ahead and return all monies, they never responded
Product: Credit reporting, credit repair services, or other personal consumer reports

I have unauthorized inquiries on my credit report XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX on XXXXXXXX XXXX XXXX XXXXXXXX XXXX on XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I have contacted Equifax on several different occasions and provided them copies of my passport, social security card, and drivers license. I have also written a letter which was included with these documents letting them know the birthday listed on my report is not correct. I have provided them with the correct birthday and they keep refusing to change it. They keep telling me to send in more documents which i have already done. They have it listed as XX/XX/XXXX  which is not correct. My correct birthday is XX/XX/.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reasonable cause to believe that my nonpublic personal information is being shared without my lawful consent. I understand that the GRAMM-LEACH-BLILEY ACT XXXX ( MODERN MODERNIZATION ACT XXXX ) was created to ensure financial institutions companies that offer consumers financial products or services like loans, financial or investment advice, or insurance to explain their information-sharing practices to their customers and to safeguard sensitive data. And as you know nonpublic personal information is the personal information covered by the GRAMM- LEACH- BLILEY ACT is termed nonpublic personal information, which means personally identifiable financial information provided by a consumer to a financial institution ; resulting from any transaction with the consumer or any service performed for the consumer ; or otherwise obtained. And the consumer only has Two federal laws that cover my personal financial privacy The Fair Credit Reporting Act and the Gramm-Leach-Bliley Act. Financial Institutions when they are in compliance safeguard my private information that must be secured against unauthorized access.

And they must notify me the customer of my private information being shared between financial institutions and third parties and I have the ability to opt out of private information sharing. Which has not happened I found out by looking at my consumer reports being collected and shared by XXXX, XXXX, Equifax and I saw that there allowing my nonpublic personal information to be shared with affiliated and nonaffiliated unauthorized third parties. 15 US CODE 6801 It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. On XX/XX/XXXX and again on XX/XX/XXXX I sent certified letters to XXXX, XXXX Equifax and the financial institutions " opting out '' stopping of sharing of my nonpublic personal information with each other and with other and nonaffiliated unauthorized third parties. But I have gotten no response, no acknowledgment that they are or will comply under the GRAMM-LEACH-BLILEY ACT and the FAIR CREDIT REPORTING ACT 15 US CODE 6801 ( A ) ( B ) .Here is a list of financial institutions with the account # XXXX that they are sharing of my nonpublic personal information. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX So to be clear I never gave any of the credit agencies or institutions written authorization, lawful consent, to share my nonpublic personal information with affiliated or non affiliated parties. They never notified me, they never gave me a chance to " opt out '' and if so it wasn't clear or conspicuous to me. I was never given time to review the information and say " NO '' to the information sharing. 
XXXX, XXXX XXXX
Product: Student loan

Only HALF of the amount I paid to Sallie Mae through my OnlIne Bill Payment Service through my bank was actually credited to my loan. Prior to this incident, I had no problem with the FULL amount of my payment being credited to my loan. 

XX/XX/XXXX - {$25.00} paid and deducted from my checking account, only {$12.00} credited to my loan XX/XX/XXXX - {$37.00} paid and deducted from my checking account, only {$18.00} credited to my loan
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed inaccurate and fraudulent address on my credit report with XXXX, Transunion, and XXXX credit bureaus. I have had identity theft and fraud in the past and on XX/XX/2022 I disputed these fraudulent addresses and phone numbers and to this day they are still there. I have mailed in a copy of my drivers license which has my correct and current address along with a utility bill. I have asked that all previous addresses listed be removed as they are inaccurate, fraudulent, and or undeliverable. As of today I have had no response from any credit bureau and the information is still there.
Product: Mortgage

We are behind on our mortgage and applied with XXXX XXXX XXXX  on the very first day applications opened on XX/XX/XXXX. I called XXXX XXXX XXXX  on XX/XX/XXXX as the status on my application was " third party action needed '' they stated they were waiting for Select Portfolio Servicing to send the requested documents to them the documents were requested on XX/XX/XXXX and XX/XX/XXXX. I then called SPS ( Select Portfolio Servicing ) and the Ombudsman Department XXXX said she would forward it to the people handling said program. I called again on XX/XX/XXXX and XXXX in the Ombudsman Dept. said she was sending another follow-up escalation to said people. On XX/XX/XXXX I called SPS again and XXXX in the Ombudsman Dept said they were working on getting the paperwork done and I should call the XXXX XXXX XXXX program and request they resubmit the paperwork to SPS. I keep making calls back and forth from the XXXX XXXX XXXX  to SPS every XXXX weeks and keep getting the run around from SPS but always get told by Home Help that SPS has not sent the information they have requested. In XXXX SPS requested my husband and I resubmit homeowner assistance paperwork which we did just so that they could yet again deny us help. They keep giving us the runaround and not cooperating with the XXXX XXXX XXXX program, causing more fees to be added to our mortgage. The XXXX mortgage program would be able to pay all of our arrears on our mortgage and we would be able to pay our mortgage each month but Select Portfolio Servicing refuses to cooperate. We are terrified we will lose our home, causing us to have medical problems. It's not right what they are doing and they need to be held accountable for their actions.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is inaccurate information on my credit report that has not been lawfully verified before being reported on my credit report
Product: Credit reporting or other personal consumer reports

I C SYSTEM XXXX XXXX XXXX XXXX XXXX, MN XXXX. This creditor/credit collection agency is fraudulently reporting this collection to my credit report since I have never signed any contract or been in any agreement with the company. I also have reason to believe that this company may not be licensed to do business in the state of Illinois. This information should be removed from my credit report immediately.
Product: Debt collection

discover bank has falsified debt collection against me, so they obtained judgement against me in Ohio state on XX/XX/XXXX, while I was live in anther state so they have used unethical attorney to falsified address for me in Ohio that i have never ever lived in. and some how they obtained that judgement against me on XX/XX/XXXX, I have prove of address that I have never lived there plus they are demanding that money frorm person called XXXX XXXX, XXXX A BUT MY NAME IS { XXXX XXXX XXXX } SO THEY HAVE FILED WITH THE COURT TO GRANISHEMENT MY WAGES ON XX/XX/XXXX, SO EVERY THING WAS FRAUD TO GET OVER MY WAGES
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX reporting negative reporting on my credit reports despite XXXX  police report XXXX and other evidence of the unauthorized fraudulent transactions and charges illegal unauthorized fraudulent transactions and charges that XXXX XXXXXXXX XXXX allowed fraudulent charges and fraudulent transactions and charges repeatedly throughout the year XXXX