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

Trying to order my credit report from Transunion ( XXXX ), and again TransUnion failed to grant access to my credit report. 

This is my third complaint to the CFPB about TU refusing to provide my credit report. 

I visited XXXX, entered my info and when I submitted, I received the following error - " We are not able to provide you with your online Personal Credit Report since it contains an open dispute currently under investigation '' A screenshot of this incident is attached. 

I can't imagine the law provides for Transunion to decline requests for any credit report that contains a disputed item.
Product: Mortgage

I generally pay an additional amount each month with my mortgage payment to be applied towards the principal balance. Twice, I have experienced PennyMac applying the additional monies a day later. For example, PennyMac posted my XX/XX/XXXX payment on XX/XX/XXXX. However, they then posted the additional principal on XX/XX/XXXX. 

In speaking with several friends who also have loans with PennyMac, they suggest they have encountered these same unscrupulous behaviors. Indubitably, if PennyMac is intentionally doing this to borrowers, they should stop immediately.
Product: Checking or savings account

On XX/XX/2019, A Property Manager by the name of XXXX XXXX, representing XXXX XXXX, and using the following phone numbers ( XXXX ) XXXX, XXXX XXXX XXXX asked me to deposit {$2500.00} to his bank account in order to secure the rental unit. After I went to a Wells Fargo branch to obtain a cashiers check for the amount of {$2500.00}, I deposited it into his XXXX XXXX  account. After a few weeks I realized I was defrauded out of {$2500.00} and immediately contacted Wells Fargo to put a stop payment on the check. However, I was notified that the check had already been cashed and their is nothing that Wells Fargo can do. It has been well over +30days and I never received my {$2500.00} by WELLSFARGO . WellsFargo Bank has not been cooperative during this unfortunate process.
Product: Credit card or prepaid card

XX/XX/2019, I filed a dispute with Fifth Third Bank for {$63.00}. On today, XX/XX/2019, I stayed on the phone for over an hour calling the dispute dept. directly and no one answered. Via the customer service line, I got a dispute person but no one had started working on the dispute and the call was dropped. The {$93.00} dispute was unprocessed and not addressed at all. Dispute case no. XXXX.
Product: Credit card

I am writing to bring to your attention a matter of serious concern regarding the rejection of my credit card application through XXXX XXXX. I was rejected two times in the last several years without a reason to why. Im also a frequent flyer, so I dont understand why I was rejected.

I also used to have a Best Buy card that suddenly closed without a reason.

As an individual of XXXX descent, I am troubled by the discriminatory practices within your application process.

Despite having a strong credit history and a consistent record of credit approvals, the lack of clarity surrounding the denial raises concerns of potential discrimination. I am not alone in this experience, as there have been reports of similar incidents within the XXXX community.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2017 I had an unexpected job loss. I continued to make regular payments and eventually entered into a Hardship repayment for 3 months. I was told that the payments during hardship period would be added to the end of the loan. When repayment ended, I was told that I had to pay {$1200.00} because I defaulted on the agreement. My payments show that I made the timely payments. I was also MISLED with information that the shortage of payments would be added to the end of the loan. I made good faith payments until I went back to work and then ultimately paid off the loan. 

I would like to have the 90 day late payments removed from my credit report. 

The Lending Club sent me a letter of explanation, which is different from what the representatives in their customer service area are telling clients.
Product: Payday loan, title loan, personal loan, or advance loan

I have an automatic payment set up with XXXX XXXX XXXX TD Bank to autopay my balance every month. On XX/XX/XXXX, my payment that was supposed to go out did not go out, despite the autopayment still being active and my checking amount having enough money. That is, XXXX XXXX TD Bank did not charge my account. Instead, they tacked on a late fee. I called to resolve this issue ; they have not. 

It was not my fault that the payment did not go through ; all indicators on their financing platform indicated that the automatic recurring payment was set up correctly. They did not charge me, and instead charged a late fee. 

Called again today ( XX/XX/year> ). No one picks up phone. Been on hold for almost XXXX hours.
Product: Money transfer, virtual currency, or money service

I tried to purchase {$300.00} two different times onXX/XX/XXXXfrom CoinBase, but the transaction was not completed due to insufficient funds in the bank account. I did not receive any BTC from CoinBase and my bank account was not charged. 

Sometime aroundXX/XX/XXXX, my Coinbase account was frozen and I was not allowed to complete any transactions. I immediately sent a support ticket to them and was told that they would get back to me within 7 days due to high volumes of cases. 

On XX/XX/, XXXXoinbase withdrew {$600.00} worth of BTC ( XXXX ) from my Coinbase account without any warning to me. I immediately followed up with them, and they told me that the proper escalations were made, but there would be a delay due to high case volumes. 

It is nowXX/XX/XXXXand a month has passed since I have submitted the ticket and I have not received a response from Coinbase yet. 

I have verified my Coinbase transaction history against my bank statement and they are correct. Looking at just the {$300.00} transactions, I have 5 transactions for {$300.00} shown on my Coinbase transaction history and 5 transactions for {$300.00} shown on my bank statement. I have sent this information to them, but I have not received a response yet. 

I am frustrated by the lack of communication. Furthermore, I am not sure what to expect as a response from them and if I will even be able to appeal the decision without having to wait another month for a response. The very nature of the product they are providing is time sensitive and the lack of a timely response is unacceptable.
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 XXXX Account Number : - XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX ======================================= 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I received I received a phone call from Discover Personal Loans stating that I owe on a {$25000.00} unsecured personal loan as of XX/XX/XXXX. They also said that monthly payments were made against this loan from XX/XX/XXXX to XX/XX/XXXX. I never received any money from Discover Loans and I did not make any payments to this SCAM LOAN. In XX/XX/XXXX. XX/XX/XXXX. or XX/XX/XXXX I had received an unsolicited letter from Discover Loans that I was preapproved to receive {$25000.00} from them. I did not want to borrow any money from them. I did not fill out any paperwork from them. I then forgot about tnid identity theft loan until the XX/XX/XXXX phone call.
Product: Debt collection

trying to collet amt not owe, the DR did not response to health ins inquiry, there for i am not paying it
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 
Here is the list of accounts/items which do not belong to me or were opened without my permission. 
XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$1900.00} US DEPT ED XXXX Balance : {$17000.00} US DEPT ED XXXX Balance : {$78000.00} XXXX XX/XX/XXXX According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, 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 items, 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 items in my file. 
XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX A ) XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my personal credit report, which I acquired from your organization on XX/XX/XXXX, and I noticed multiple unauthorized credit inquiries had been made. 
I contacted the sources listed below, who conducted the inquiry and asked them to remove their credit inquiry from my credit report. 
I request that you investigate the inquiries on my credit report to determine who authorized the inquiries. If you find my allegation to be true once your investigation is complete, please remove the inquiry and send me an updated copy of my credit report at the address listed above. 
If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of completing the investigation. 
XXXX XXXX Inquiry date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX  Inquiry date : XX/XX/XXXX XXXX XXXX XXXX date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Equifax regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX Nature of Complaint : I submitted a dispute to Equifax disputing a late payment reported by XXXX XXXX I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : The payment for this account was made on time for the billing cycle due in XX/XX/XXXX, but the creditor incorrectly reported it as late. I have attached bank statements and payment confirmation showing that the payment was successfully made well before the due date. 
Despite my timely payment and the evidence provided, the late payment entry has not been corrected by the reporting agencies. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Equifax has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX
Product: Mortgage

XXXXXXXX XXXX reported me 30 days late, even the the loan was paid off on XX/XX/XXXX. I had spoken to them in early XXXX and was told that, as long as the payment was sent on XX/XX/XXXX, it would not be late. I knew the home was closing and would be paid in full. Despite what they told me, they have reported me late to the bureaus, but NOT reported the loan as being paid. This is ruining my credit and my ability to get another mortgage. XXXX XXXX payments were ALWAYS on time. I spoke to XXXX on XX/XX/XXXX and asked for a supervisor 6 times. She would not allow me to speak with one. XXXX XXXX needs to contact the credit bureaus and remove the late payment, and also report this loan as paid in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing all three credit reporting agencies directly, without any third-party representation. My email address and telephone numbers are accurate in case any agency such as XXXX, XXXX  and Trans Union desire to document my credibility. Accordingly, I am writing to state that I have tried on at least two occasions over the past few months to obtain a copy of my credit report from each respective credit reporting agencies. Please comply with my wishes and mail to me my one free annual copy of each credit report. Thank you for your assistance in this matter. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally submit another complaint regarding the continued false reporting on my credit reports by XXXX and TransUnion, as well as the illegal use of my personal information. 

Despite my repeated attempts to resolve these issuesover ten dispute letters sent to the credit bureausI have not received a satisfactory resolution. XXXX has consistently employed stall tactics, claiming they can not verify my identity, even after I provided ample documentation, including my driver 's license, Social Security card, pay stubs, and evidence of the inaccurate accounts. 

Specifically, I am requesting the removal of the following accounts from my credit report due to false reporting and failure to validate their accuracy : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  All other negative accounts associated with my name These accounts are damaging my credit profile and do not accurately reflect my financial responsibility. I have provided all required documentation, and it is unacceptable that XXXX continues to state they can not verify my identity. 

I urge the CFPB to investigate this matter and take appropriate action against these credit bureaus for their misleading practices. Thank you for your attention to this urgent issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I started the dispute process with this company, as some inaccurate information is been report in my Credit profile. The Dispute process started on XX/XX/2022 ( add the date the client started with us ) with follow ups disputes and this company have not send me any mail or dispute results to my home address, I submitted my ID and proof of address so they can located me, their is not excuses of why i am been ignored on my requests, by law they have the obligation to look into this inaccuracies informations. Please see attache and help to resolve this matter soon as possible..
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information was stolen in XXXX, since then Ive been seeing a lot of unauthorized inquiries and accounts. Ive attached a police report pertaining to the incident. In accordance with the Fair Credit Reporting act multiple unauthorized Inquiries have been found on my credit report please investigate and Remove all inaccurate inquiries I have listed immediately, the following includes : XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXXXXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXXXXXX XXXX XXXX XXXX XXXX Inquiry : XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX 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 handwritten instructions.
Product: Credit reporting or other personal consumer reports

This auto loan was opened while I was in Bankrupcy XXXX XXXX. This was done without my knowledge
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft feed I have incurred. Despite having sufficient funds when transactions were authorized. I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into transactions for my account or any account I was adjoined.
Product: Credit reporting or other personal consumer reports

They report to my credit account that was late XXXX, through XXXX of XXXX my statements show payments on the XXXX through the XXXX of each month. On time but charged late fees. They said I missed payment 's XXXX through XX/XX/XXXX as well as XXXX and XXXX of XXXX. All payment 's where made on time. I paid on the first XX/XX/XXXX I got a late fee. I paid on XX/XX/XXXX and wasn't charged a late fee. I have my account transaction history included which clearly shows payment 's made on time. 
I wish to have the late fees reimbursed as account credit and remove the negative remarks on my payment 's from the credit companies. As you will see in the documents attached. I have never missed a payment or been late. Sometimes I paid early at the end of the prior month a few times. They didn't acknowledge my payment. I need all the information updated correctly and promptly by Santander consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was notified by a mortgage lender that I was impacted by a recent scoring glitch related to Equifax. I contacted Equifax to discuss this issue ( as it has impacted me financially ) and I was told we are not aware of the glitch and there is nothing we can do. I continued to ask for my call to be escalated and explained that the glitch is public knowledge and the associate could XXXX. I was put on hold and now just listening to music as I believe the associate thinks I will just drop the call. I have some serious concerns about the ( XXXX ) reports that were pulled for XXXXXXXX XXXX, XX/XX/XXXX, XX/XX/XXXX and then again in XX/XX/XXXX because of this glitch. I did finally reach Equifax customer affairs who was also not aware of the glitch. I asked if she could XXXX. She did end up finding more information and said that my mortgage lender needed to call their business office. As a consumer that was impacted by Equifaxs glitch why are they refusing to speak to me? I need to know more about the error and the large variance in my XXXX reports. I had a large decline when my XX/XX/XXXX report was pulled vs the previous reports. This glitch forced my lending company to do yet another hard pull on my report ( another financial impact ). I have worked in financial services for XXXX years so I am well aware of what impacts credit. I am building a home and have been working with a mortgage lender for over a year. No new credit was opened, no late payments, no reduced limits and only change was debt declined. I need someone at Equifax that can speak to this glitch and the impact I am seeing. I would also recommend the federal government to once again look at their policies and procedures for consumer cases. How did two customer facing Equifax employees not know about something that impacted consumers?
Product: Credit card

I was denied a credit card from Home Depot. I applied for a card some time ago, and always paid on time, when they suddenly dropped me as a customer without any explanation. I thought I would qualify for a card, and I do not think it is fair for this to affect my credit score.
Product: Credit card

Barclays bank took {$9700.00} from me and instead of paying off my Barclays account off, they sent the money to XXXX XXXX XXXX and paid that amount on the card I had there. I contacted them several times and told them what had happened. They investigated and sent me a refund check in the amount of {$9700.00}. After several weeks and additional conversations with them, I cashed the check and sent them a payment of {$9400.00} to pay off my account. After a few days, Barclays stopped payment on the refund check. This caused my checking account to be overdrawn by several thousand dollars. I contacted them to ask them what was going they said we stopped payment on it because that would put them in the hole because XXXX XXXX XXXX has the original money. They never contacted me to tell me that not the cash the check. I held it for almost a month. I asked them why they sent the refund check in the first place, I never asked for one. They had no answer for that. I talked to a Supervisor ( XXXX ) and he said that they really messed up. Also, he said the only way I would get the money back was to get XXXX XXXX XXXX to refund me the money. I told him why would have to do that. It was n't my mistake. Barclays should be asking for that money back. They have done nothing in the last two days. I 'm now short {$9700.00} dollars.