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

This is one of my multiple attempts to notify XXXX and TransUnion credit bureaus that I am a victim of identity theft and that I want to query certain records in my documents that resulted from the crime. The documents I'm looking at have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. 

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

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my two year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Credit reporting or other personal consumer reports

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  Dispute Department Equifax Information Services LLC XXXX XXXX XXXX XXXX, XXXX  XXXX Subject : Dispute of Charge-Off Entry on My Credit Report Dear Equifax Dispute Department : I am writing to formally dispute a charge-off entry that appears on my credit report. According to 15 U.S.C. 1681i of the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any inaccurate or incomplete information on my credit report. If the information can not be verified within a reasonable time frame, it must be removed. 

The charge-off in question does not accurately reflect my credit history or the status of the account. I am requesting that you investigate and, if necessary, remove this charge-off entry from my credit report unless proper verification is provided. 

Under 15 U.S.C. 1681i, credit reporting agencies are required to investigate any disputed information within 30 days and to provide written confirmation of the results of the investigation. If the information is found to be inaccurate or incomplete, it must be corrected or removed. The presence of this charge-off on my credit report is damaging to my creditworthiness and violates my rights under federal law. 

Please investigate this matter and remove the charge-off entry from my credit report if it can not be properly verified. I request a written confirmation once the investigation has been completed and the necessary corrections have been made. 

Thank you for your prompt attention to this matter. Please do not hesitate to contact me if you require any additional information. 

Sincerely, XXXX XXXX XXXX XXXX 15 U.S.C. 1681i Procedure in Case of Disputed Accuracy This section of the Fair Credit Reporting Act ( FCRA ) outlines the procedures for disputing inaccurate information on a credit report. It states : When a consumer disputes information on their credit report, the credit reporting agency must investigate the dispute within 30 days. 
The agency must promptly notify the consumer of the results of the investigation. 
If the information is found to be inaccurate or incomplete, it must be corrected or removed from the consumers report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX  Account numbers XXXX, XXXX, XXXX, XXXX, XXXX, have 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.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer reporting containing any of the following items of information, any other adverse item, other than records of convictions of crimes which antedates the report by mote than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believethat the information is inaccurate.
Product: Payday loan, title loan, or personal loan

Navient, I see some discrepancies with the interest during my repayment plan. sometimes i lot more of interest and i dont see my balance to really going down. its like im stuck paying the same range of the quantity. right now i ask for forbereance because im having money issues and i cant make the payments. i ask for a offer to lower the total balance and was denied. APPLY ANY ASSISTANCE DUE TO NAVIENT PUBLIC SUE -- ** " The U.S. Consumer Financial Protection Bureau is suing Navient XXXX., the nations largest student loan servicer, accusing it of systematically and illegally failing borrowers at every stage of repayment, my balance is {$2500.00} Original Principal {$2600.00} Total Amount to be Repaid {$2800.00} Some number dont add up .... its weird and i dont understand this process. 
i ve been paying for years ... ... ... ... ... ... ... ... ...
Product: Mortgage

On XX/XX/XXXX I took out full insurance coverage on my property and informed SWBC that I was fully covered, provided them written proof ( uploaded and physical documents sent directly to their stated address by my insurance carrier ) and instructed them to immediately stop taking out money toward my homeowners insurance as it was pre-paid in full for a year. 

In spite of repeated attempts to contact them over the next several months, both by me personally as well as my insurance carrier, SWBC continued to charge my account for insurance coverage that I was already carrying and for which I had directly pre-paid ( to GUARD ). 

At some point in the earlier part of 2020 SWBC finally stopped doing this, after at least five attempts by me through the company 's online customer service portals and appropriate channels to get them to stop. 

I don't know how much SWBC collected from me between XX/XX/XXXX and today to cover homeowners insurance -- I am unable to discern those exact figures in any of my statements from SWBC. I do know that SWBC continued to charge me for insurance for several months even after I informed them repeatedly to stop. I have been trying to get an accounting of that money and have it refunded to me and have met with nothing ( my most recent attempt was in early XX/XX/XXXX ) and my complaints have all been automatically re-routed to an automated AI/robot system that is not understanding the issue, most recently on XX/XX/XXXX. Additionally, the website login for SWBC is only intermittently available, so it takes repeated login attempts throughout the day to get into my account with my valid password and username. The time it has has taken me over the past many months is unacceptable. This kind of behavior by SWBC is a form racketeering and theft. They have taken my money, refuse to account for it, and do not respond to repeated requests for clarity and resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

Per court order divorce agreement ex husband assumed XXXX XXXX XXXX XXXX XXXX. I was released from the loan on XX/XX/2018. The account balance was still showing as owned on my credit reports in XXXX, so I called XXXX  XXXX XXXX. Apparently they had not reported that I was no longer on the loan and assured me that my release from the loan would be reported to the credit bureaus by XX/XX/2018. On XX/XX/XXXX I called one of the credit bureau Equifax and they said that the release from the loan had not been reported. I've been back and forth between the credit bureau and the bank over several phone calls. I been transferred to wrong departments and hung up on. The debt showing on my credit report is affecting my score. Also, I would think it's a privacy issue because I can tell how much he continues to pay on his loan and if he's making them on time. Equifax says the only way I can remove the debt from my credit report is to dispute it which will lower my credit score.
Product: Credit card or prepaid card

ORIGINAL COMPLAINT Via automatic payments I over-paid my credit card so there -was a negative balance on my account.After making several purchases I had a negative balance of {$630.00} so, for some reason, Capital One sent a check to me in that amount. I cashed the check and all was fine. I then noticed that Capital One charged me {$630.00}, and called it a Credit Balance Refund ( XX/XX/2017 ). They basically gave me a check for {$630.00}, but then turned around and charged me {$630.00} for something I never purchased. The people at Capital One are saying it is a wash since I cashed the check, but that {$630.00} they sent to me was based on an over-payment of my balance so why did they charge me the exact same amount in XX/XX/XXXX? The original {$630.00} was supposed to be a refund of money I paid. 
If that was the case then why did they charge me {$630.00} on XX/XX/2017? They are using fuzzy math., and I would like to have my {$630.00} returned to me. I have since cancelled my credit card. 

RESPONSE TO THEIR RIDICULOUS RESPONSE The company did send me the {$630.00}. That is NOT in dispute. The issue is on XX/XX/2017 they charged me {$630.00}, and labeled the charge to me as Credit Balance Refund. I do not understand why CapitalOne CHARGED me {$630.00} after they sent me a check for {$630.00}. Why is that charge there? Why did the balance on my account increase by {$630.00}? Look at my statement from XX/XX/2017, page 3, second column towards the top. Explain to me why you charged me {$630.00}. I am getting the same run-around as I received from every operator I called to try and clear this up.
Product: Credit reporting or other personal consumer reports

I previously banked with XXXX XXXX. I had a regular check for {$2000.00} go out from the bank automatically every month to pay my HELOC to Bank of the West/ Now BMO . In XX/XX/scrub>XXXX XXXX XXXX was taken over by XXXX XXXX XXXXXXXX sent the automatic checks out to BMO but it went to the wrong account at BMO. I was in XXXX for a month in XXXX. When I got back i never received a notice from BMO about the missing HELOC payments until XXXX. When I researched what happened, the mortgage servicer of BMO ( XXXX ) said they would transfer the money from my checking account TO the HELOC account as I wasnt able to do that. That was incorrect information they gave me. I wasnt able to initiate the online transfer myself as my account was put on hold because I was " delinquent '' per their incorrect records and it wasnt until I finally spoke to an agent in XXXX who told me i could phone transfer the {$4000.00} OVER to the HELOC which i did, but by that time they had reported me to the credit agencies. I have asked them to rectify and correct the late payment and I have not heard back. My credit still shows a late payment and i am looking to get a mortgage in the next month and need this removed.
Product: Bank account or service

I have had a checking account with Citibank for nearly 20 years. I set up this account with a no-minimum-balance requirement and with no-monthly-fee. Before XXXX I was never assessed a monthly service fee or a minimum balance requirement. 

Starting in XXXX XXXX Citibank began to assess me a $ 25 monthly fee for not having a minimum balance of {$10000.00}. They never sent me a letter stating the reasons for this fee ; I only had it explained to me in XXXX XXXX when I called to complain. 

I never agreed to this change in my account. When I asked for Citibank to explain in writing the change in my account, they refused. 

Citibank also refused to remove this monthly service charge, and told me I had to change to another " banking package '' to have it removed, but those " banking packages '' also assessed fees for a lack of a minimum balance. So I will be continually charged {$25.00} per month that I never agreed to.
Product: Credit reporting or other personal consumer reports

I believe that my information is being misused and reported as inaccurate and I am refiling this complaint to CREDCO. In my credit report from XX/XX/2023, I found unauthorized inquiries that I was not aware of, according to 15 U.S.C. Section 602 and 15 U.S.C. Section 604 A Section 2, I have the right to privacy, and I want my credit report to be accurate. 

The CREDCO responded with a letter which I have attached but they still did not remove these unauthorized inquiries that are reflecting on my credit report. 

I have attached my IDs as per request.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am applying to start my life over again and I am being haunted by misinformation on my credit report in the public information section. In 2011 my bankruptcy was finalized and though the dates and account # XXXX remain incorrect I have had no luck getting into the public records department in downtown XXXX XXXX to have that information corrected. Its been XXXX years and most of those accounts have not been touched for XXXX plus years. Please ask Experian, XXXX and XXXX to remove the Bankruptcies, once and for all finally, please! Please remove them, I am trying so hard to buy a house and I am haunted by the public records section and no mortgage company will give me the time of day because I have this lingering Bankruptcy with extremely old information haunting me. 

no one should suffer 11 years over Chapter XXXX! please! Please XXXX XXXX XXXX XXXX remove it please. Let me buy my house and, move on with my life. My children need a home.
Product: Vehicle loan or lease

I opened a car loan with Chrysler Capital in XX/XX/XXXX and Chrysler Capital no longer reports monthly to the 3 credit reporting agencies. The last time Chrysler reported the loan to the 3 credit reporting agencies was XX/XX/XXXX.
Product: Debt collection

To Whom It May Concern, This letter is a formal demand for reinvestigation and correction of inaccurate, incomplete, and unverifiable information found in my XXXX credit report dated XX/XX/year>. You are hereby placed on legal notice of multiple violations of the Fair Credit Reporting Act ( FCRA ) and XXXX XXXX data reporting standards established by the XXXX XXXX XXXX XXXX ( XXXX ). Below, I detail each disputed item, cite the relevant consumer protection statutes, and provide a formal demand for resolution. 

Issue : Reflects 120-day late history without verified supporting documentation.

Legal Basis : - FCRA 1681i : Credit bureaus must remove unverified or inaccurate data after re-investigation.
Product: Bank account or service

I have ally bank checking and savings account. I wanted to transfer $ XXXX from my ally bank account to my spouse 's ally bank account. But finding it very difficult to deal with this bank ( ally ). 
1 ) They have setup limits for XXXX transfer which is $ XXXX for 30 days. 
2 ) they have some very useless excuses " why do n't both of you open a joint account '' rather than fixing this issue. 
3 ) Ally is not ready to increase the 30 days limit to more than $ XXXX even when i am ready to take all the risks/accountability 4 ) They use a bad excuse that XXXX is from 3rd party so they dont have any control. 
I am really impacted due to the limitations by this online bank. Have they been concrete or mortar bank..i could have walked-in and did it on my own.
Product: Credit reporting, credit repair services, or other personal consumer reports

ACCORDING TO 15 U.S. CODE 6803-DISCLOSURE OF INSTITUTION PRIVACY POLICY, AND ACCORDING TO U.S. CODE 6802- OBLIGATIONS WITH RESPECT TO DISCLOSURES OF PERSONAL INFORMATION. ( b ) OPT OUT ( 1 ) IN GENERAL A FINANCIAL INSTITUTION MAY NOT DISCLOSE NONPUBLIC PERSONAL INFORMATION TO A NONAFFILIATED THIRD PARTY ( XXXX, XXXX, AND EXPERIAN. ) UNLESS- ( A ) SUCH FINANCIAL INSTITUTION CLEARLY AND CONSPICUOUSLY DISCLOSES TO THE CONSUMER, IN WRITING OR IN ELECTRONIC FORM OR OTHER FORM PERMITTED BY THE REGULATIONS PRESCRIBED UNDER SECTION 6804 OF THIS TITLE. ALSO ACCORDING TO THE " GRAMM-LEACH-BLILEY ACT '', FINANCIAL INSTITUTIONS MUST TELL THEIR CUSTOMERS ABOUT THEIR INFORMATION-SHARING PRACTICES AND EXPLAIN TO CUSTOMERS THEIR RIGHT TO " OPT OUT '' IF THEY DON'T WANT THEIR INFORMATION SHARED WITH CERTAIN THIRD PARTIES. UNDER THE FDCPA, A COLLECTOR MUST PROVIDE YOU WITH INFORMATION ABOUT THE DEBT IN ITS INITIAL COMMUNICATION OR WITHIN FIVE DAYS AFTER THE INITIAL COMMUNICATION. ALSO, THE FDCPA STATES, " YOU CAN NOT ATTEMPT TO COLLECT AN DEBT WHILE A PERSON ( THE CONSUMER ) SUPRESS VALIDATION. XXXX, XXXX, EXPERIAN, AND THE ACCOUNTS LISTED BELOW HAVE CLEARLY VIOLATED MY RIGHTS : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FAILURE TO RESPOND SATISFACTORILY WITH DELETIONS OF ALL THE ABOVE ACCOUNTS WILL RESULT IN LEGAL ACTIONS BEING TAKEN AGAINST, XXXX, XXXX, EXPERIAN, WHICH I'LL BE SEEKING A {$1000.00} PER VIOLATION FOR DEFAMATION OF CHARACTER ( PER SE ) NEGLIGENT ENABLEMENT OF IDENTITY FRAUD. 15 USC 1681 VIOLATIONS FOR WILLFUL NONCOMPLIANCE-616 CIVIL LIABILITY FOR WILLFUL NONCOPLIANCE. THIS IS THE THIRD TIME I'VE SUBMITTED A COMPLAINT, AND THE REPONSE I GET IS " YOU CAN NOT LOCATE MY CREDIT REPORT! '' THIS IS CLEARLY NEGLIGENCE.
Product: Credit card

The credit card involved is XXXX XXXX  ( vision ). It is relatively new but I established payments commencing in XXXX, XXXX. My first payment was sent on XX/XX/XXXX and was received & posted by XXXX on XX/XX/XXXX. Payment was due on XX/XX/XXXX. 

The following month my payment was sent by my bank through bill pay on XX/XX/XXXX with guaranteed delivery by XX/XX/XXXX just as the previous month. 
When I checked my XXXX statement I was charged a {$30.00} late fee. 

I called company and eventually got a {$15.00} credit, not the full {$30.00}. It appears to me that their inefficiency is intentional so as to charge the fees which also harms my credit.
Product: Credit reporting or other personal consumer reports

I desagree with the account listed below which still appears on my credit report, even after your investigation.I would like this inmediately re-investigated.The inaccuracies are highly injurious to my credit score. 

Experian : XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX In accordance with The Fair Credit Report Act. Public law 91-506, Title VI, Section 611.

Please provide the names and business adresses of each individual with whom you verified above so that I may follow up. Please me an update a copy of my credit report after you investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this CFPB complaint to you today to request that you remove the fraudulent accounts and information you reporton my Credit File. My credit report contains a significant number of unauthorized requests, as well as some erroneous reporting of Information. I can tell that someone has stolen my identity. As a result, I filed a formal report to the FTC with XXXX XXXX # XXXX. In accordance with the provisions of FCRA Section 605B ( 15 U.S.C. 1681c-2 ), I have included that report in this complaint. Please remove these items from my credit record as soon as possible to comply with the law ( i.e., 4 days ). Please let me know if you require anything else. I ned you to please remove the following items : XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XX/XX/2021 Medical XXXX Balance Owed : {$170.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Between the months of XX/XX/XXXX - XX/XX/XXXX I have disputed with XXXX  multiple times to get the closed account removed due to XXXX violating XXXX XXXX COMPLIANCE I have paid the balance and asked for deletion but XXXX  refuses to delete the closed account
Product: Payday loan, title loan, or personal loan

I had a balance assist with bank of America for {$500.00} I have hit some financial trouble I'm XXXX XXXX right now and was unable to make the payments recently I deposited some money I got from my ex to buy my daughter clothes they took XXXX on XX/XX/2022 most of my money that was deposited in my account and left me {$8.00} in my account I called them and they wouldn't give me back anything I said just take XXXX they were not willing to do anything or work with me in any way they absolutely didn't care at all
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. i had two late payments on an account that i was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments i've attached a copy of my report to this complaint on the following dates ( XX/XX/year>, XX/XX/year> ) I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021