23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

XXXX XXXX XXXX XXXX was opened at the XXXX Fl branch the female staff who assisted during the process was predatory and harassed us for unnecessary information causing a delay in opening our business, there has been multiple fraud attempts which was requested in writing to close as instructed however not done, walked into branch had it closed and it still is open causing unnecessary fees. The whole branch needs to be investigated for fraud especially the person who opened our business account. She is dangerous and caused financial income and investment delays. Please investigate asap.
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

XX/XX/XXXX # XXXX XX/XX/2024 -- {$720.00} XX/XX/XXXXXX/XX/XXXX # XXXX XX/XX/2024 -- {$890.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX XXXX I submitted a dispute to a company called XXXX regarding a recent report provided by them to a potential landlord. On XX/XX/XXXX, I sent XXXX an email covering additional issues I had discovered while researching further about what was wrong with the report. I also submitted a complaint with the CFPB about XXXX, TransUnion, and XXXX ( complaint ID : XXXX ). 

XXXX XXXX XXXX I received an email claiming the XXXX XXXX XXXX branch of TransUnion had received my dispute, but failed to correct the issue claiming the " information was verified as accurate ''. 

TransUnion, as well as XXXX and XXXX, have a duty under 15 USC 1681s2 ( a ) ( 1 ) ( A ) to provide accurate information and 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. Without firsthand knowledge to confirm that the disputed information is indeed accurate, there is no way they could have verified it. 

In accordance with the Fair Credit Reporting Act, TransUnion, through TransUnion XXXX XXXX XXXX, has violated my Federally protected rights to both privacy and confidentiality as enumerated in 15 USC 1681 ( Section 602 of the FCRA ) and The Financial Privacy Act of 1978.

TransUnion has further violated 15 USC 1681 ( a ) ( 2 ) and 1681a ( d ) ( 2 ) ( iii ) by creating, keeping, then furnishing my account and file without my written consent, and restrained trade in violation of 15 USC 1, and 15 USC 2. These actions have also violated 15 USC 1681a ( k ), 15 USC 1602 ( p ), and 18 USC 894. 

These violations have directly and repeatedly caused my access to housing to be denied. Considering how badly people need homes and homes need people, this has been deeply damaging to my life, livelihood, safety, and happiness. 

Names Reported : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

As a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. At this time I would like to prepare another appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent and incorrect accounts that are keeping to be established as correct. Be sure to generate a duplicate of the agreement signed or voice interaction where I permitted charging me regarding these accounts. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On or about XX/XX/2022, Bank of America closed my small business checking account. The bank did not provide a reason as to why it closed this account. 

On XX/XX/2022, a client of mine paid an outstanding invoice via XXXX to the account, which had been closed a few weeks earlier. Bank of America accepted these funds, but has never given them to me. The funds did not return to my client. 

Bank of America has my money and despite many hours spent on the phone, is unable to tell me what happened or where my money is.
Product: Credit reporting or other personal consumer reports

Dear Equifax, I am writing to formally dispute certain inaccurate information on my credit report. After reviewing my credit report provided by your agency, I have identified incorrect personal information that requires correction. I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) and Fair Credit and Reporting Enforcement Act ( FCEUA ) to request an investigation and prompt resolution of this issue.

The following information is inaccurate on my credit report : NAMES REPORTED : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EMPLOYMENT INFO : XXXX I am requesting that this information be thoroughly investigated and removed. I have attached the following documentation to support my dispute : Driver License, utility bill, and social security card. 

Under the FCRA, you are required to complete your investigation within 30 days of receiving my dispute. If the information is found to be inaccurate or unverifiable, I request that it be corrected or removed from my credit file promptly. Furthermore, under the FCEUA, I expect any violations of credit reporting laws to be addressed. 

Please send me the results of your investigation along with an updated copy of my credit report reflecting the corrections. 

If you need any further information or documentation, please contact me at the above address or by phone at [ XXXX ]. 

Thank you for your attention to this matter. I look forward to a prompt resolution.
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The Experian credit bureau must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The listed account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX  XXXX XXXX Balance : {$1100.00}
Product: Debt collection

XX/XX/XXXX I went to Car Mart and financed a vehicle for over {$10000.00}. After having the vehicle less than a week I had it in and out of Car Mart 's Repair Service and still made my payments. I had close to 3 months left of payments for a total close to {$1300.00}. Then in XXXX of XXXX the engine blew. I called Car Mart and they had it towed to their choice of auto repair shop. Their shop stated it would cost more to fix than what it's worth. The Manager of Car Mart told me that they would " write it off '' and " I can finance another vehicle. '' From XX/XX/XXXX to XX/XX/XXXX I waited for a call from Car Mart 's Manager while still paying my car payments and a {$500.00} down payment for " the next car '' and on XX/XX/XXXX they called to let me know they " have a car ready for me to check out. '' They said I could take it for 7 days to decide weather I wanted it or not. '' I took it home and had my husband check it out. Right off he spotted several things wrong with the car. So after thinking it over I took the car back after deciding it had too many issues by the XXXX day. 
By XX/XX/XXXX not only did they put BOTH vehicles were on my credit report, they listed them as a REPOSITION. 
I called the main office and they said they would " look into it. '' After 30 days I looked again at my credit report and they lowered the amount owed but still had them as a REPOSITION.
Product: Credit reporting or other personal consumer reports

The Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2 ( a ), which mandates credit reporting agencies ( CRAs ) to block and delete fraudulent information caused by identity theft when appropriately notified.

I Have been victim of a data breach, such as the XXXX Data Breach, also Transunion Data breech however the date expired where I can apply for the claim, but as I entered my information it was stated my information has been obtained during the databreech where my sensitive personal information was exposed.

I Discovered unauthorized and fraudulent accounts on my credit report such as XXXX XXXX, and XXXX XXXX  accounts I Seek to remove these fraudulent accounts quickly and permanently under my right as a consumer.
Product: Mortgage

I have called XXXX times to Bank of American to remove my PMI and I was told each time that they need me to complete forms that they will not send. They say they send them but after calling XXXX times to ask why I have yet to receive any forms they just tell me they mail them.
Product: Credit reporting

XXXX is wrongly reporting late payments on my credit reports for my secured credit card. They should remove the late payments or delete the Account in it 's entirety. Ask Equifax to delete the account asap.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 



XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX - {$1200.00} XXXX XXXX XXXX XXXX - CLOSED LATE PAYMENT XXXXXXXX XXXX XXXX XXXXXXXX - Collection/Chargeoff XXXXXXXX XXXX XXXXXXXX - Collection/Chargeoff XXXX  XXXX Collection/Chargeoff UNAUTHORIZED INQUIRY : XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX XXXX
Product: Vehicle loan or lease

15 U.S. Code 1681s is a section of the Fair Credit Reporting Act ( FCRA ) that covers the enforcement of compliance with the Federal Trade Commission 's ( FTC ) requirements. The FTC can : Issue procedural rules, Require the filing of reports, Require the production of documents, Require the appearance of witnesses, and Commence civil actions against those who violate the subchapter.
Product: Money transfer, virtual currency, or money service

In XXXX I opened a business account with Wells Fargo bank specifically for the use of protecting my assets. In XXXX of XXXX I kept receiving notice via email that there were a few unauthorized purchases made in the amount of {$320.00} and {$500.00}. I contacted the bank to let them know I did not authorize these payments and to start a claim. On XX/XX/XXXX a case was opened in regards to the issue. I made the bank aware the purchase were not made by me and my bank card was deactivated and I was sent a new card and told they would look into said purchases. On XX/XX/XXXX my account was temporarily credited for XXXX of the unauthorized purchases, but not both. I was told to allow the bank more time to complete there investigation. A month or so later I was informed via email that the bank could not complete their investigation for either of the XXXX transactions causing the bank to take back their temporary credit leaving my account in the negative, thus resulting in the closing of my business account due to me not having the funds to replace the temporary credit amount.
Product: Student loan

I received a notice from EdFinancial Services dated XX/XX/XXXX stating that my new monthly payment amount will be {$660.00} under the SAVE Plan. This is significantly higher than the amount that was estimated when I used their online tool to predict what my monthly payment would be. I believe an error was made in the calculation and have been attempting to contact an EdFinancial representative since XXXX to verify if a mistake was made. 

I attempted EdFinancial 's Customer Service Representative via telephone on XXXX at XXXX and XXXX. Wait time was estimated to be over 500 minutes both times. I selected the option to be called back and was told via automated message that I would receive a call back after XXXX. I did not receive a call back until XXXX on XXXX, which I missed. No voicemail was left. 

On XX/XX/XXXX I attempted to contact EdFinancial again at XXXX and the estimated wait time was again over 400 minutes. I was unable to reach a representative. 

On XX/XX/XXXX I attempted to contact EdFinancial again at XXXX and was given an estimated wait time of XXXX minutes. I remained on hold for 2 hours and 6 minutes until I needed to hang up to bring my son to an appointment. I received 2 missed calls from EdFinancial during my son 's appointment at XXXX and XXXX. No voicemail was left. I attempted to call back at XXXX and XXXX. Again, I was unable to reach a representative. 

This morning, XX/XX/XXXX, I called EdFinancial at XXXX, 12 minutes before they opened. I was given an estimated wait time of 45 minutes. I have currently been on hold for 1 hour and 35 minutes.
Product: Credit reporting or other personal consumer reports

The account XXXX XXXX XXXX is missing from my XXXX credit report but is posted on my credit reports with Transunion and XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to inform you about a very alarming and important issue regarding the compromise of my social security number, which has resulted in me being a victim of a data breach and identity theft. To address this situation promptly, I have already contacted the Federal Trade Commission and filed an FTC Report with the reference number : XXXX, which is enclosed with this correspondence. 

XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised this is my SIXTH WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance. 

Despite five previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. 

In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ). 

Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me 15 USC 1681n & 15 USC 1681o ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$1300.00} and XXXX CARD XXXX Date Opened XX/XX/XXXX Balance : {$740.00}.
Product: Consumer Loan

I 've been disputing this for 2 years now. I recently Pulled my credit and saw ALLY Financial is still on my Credit report for $ XXXX. I do not recall this debit, I sent XXXX different letters requesting investigations and re investigations from the credit bureaus to investigate this matter. After several attempts to find out any information about this alleged account. I Sent a Notice of pending litigation, Seeking relief and monetary damages under FCRA section 616 & section 617, giving them 10 days to verify this alleged account and send me proof of this account. Still No reply, no action. Ally is Still on my credit report and reporting monthly late payments dropping my credit score drastically. I have rights and I plan to pursue them. They are impairing me from a fair chance with creditors and a quality of life.
Product: Checking or savings account

On XX/XX/2022 I tried to open an account and was denied .I called on XX/XX/XXXX to find out why and was told that I would receive something within 10 business days and did not .So I again called on XX/XX/XXXX and the representative said they don't have to because its not a bank account it is a high yield savings account. According to the law they are obligated to let me know why I was denied so I can know how to fix the issue. I know XXXX XXXX  was fined for the exact same issue
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2023 Someone used my name and a previous address to open a XXXX XXXX credit card, I spoke with the company and they were suppose to send a letter and an email and I havent received the email
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I spoke by phone with Experian, who ask for a re-investigation of the following hard inquiries : XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX I placed a phone call to EXPERIAN at XXXX XXXX XXXX, on XX/XX/XXXX - I was told by XXXX XXXX team 'integrity ' that Experian will not due a re-investigation of unauthorized hard pull inquiries on my credit report. 

I then asked to be transferred to a supervisor. Initially, the supervisor did not identify himself, nor his team name. I asked him and he said " XXXX. '' After asking XXXX to repeat his team name, he Hung up on me, and ended the phone call. 

US CODE 15 STATES : ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph I asked for a re-investigation of the 4 hard inquiries above, based on 'unauthorized ' inquires and Experian refused. Experian stated that he will only re-investigate hard inquiries if 'fraud in the form of someone else using your social security number ' The US law does not state this exception - the law states ANY item on the credit report. Therefore, Experian is blatantly disregarding the law and is REFUSING re-investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the E oscar system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : ) XXXXXXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX A ) XXXXXXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ( Original Creditor : 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, XXXX XXXX am writing to complaints on wrong information on my credit report. Following addresses inaccurate and not my current or correct addresses : XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX, FL XXXXXXXX XXXX XXXXXXXX XXXX XXXX, FL XXXX. The following inquiries areon my report that were not applied for by me : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
PLEASE REMOVE AND DELETE ALL INACCURATE INFORMATION IMMEDIATELY
Product: Debt collection

I tried to write a letter asking for validation of a debt to Penn Credit. That mail was returned to me. Penn Credit is required by law to report 100 % factual data to the credit bureaus. My dispute was written to the address provided to XXXX. They obviously are not reporting factual data to the credit bureaus, their address is not even correct. Please help me!
Product: Credit reporting

recently, transunion made a reccomendation on my credit file not sure if they benefit from people getting new accounts or not .any way there reccommendation was for me to transfer my XXXX credit card XXXX saying it would save me money .there was no way for me me to check who the bank was i assumed cause they reccommended it that they researched it .after opening new card i go to transfer my balance they contacted me saying they we 're unable to transfer from one XXXX to another .i could n't close the account because it would hurt my account i called trans union XXXX call told guy hoping he was writing it down /putting in the computer i asked him he said no i asked if there was an XXXX speaking person cause i could n't understand him he said no .he gave me a fax which was n't working.i called back a XXXX answered again told her again no resolve .i was just trying to tell them that the reccommendations they make are false and to put up that on thier site to tell people because thier information hurts people credit
Product: Student loan

The amount of interest charged all of these years has doubled what I owe and what I took out with continued accumulation.The interest bearing charges have not been transparent or fair. It is making obtaining a higher education for our future generations impossible. 

The system and allowable interest needs to be affordable to help students be successful when they get out. 

No assistance is given for graduate student loans on top of that high bearing interest.