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

I am writing to request an investigation into the inaccurate charge-off information appearing on my credit report provided by TransUnion. This information is incorrect, and I request its immediate removal from my credit file in accordance with the Fair Credit Reporting Act ( FCRA ) and applicable laws. 


- Account Number : XXXX - Creditor Name : XXXX  The charge-off information reported is incorrect. The inclusion of this erroneous information is causing significant and unjustified harm to my credit history. 

Right to Accurate Information ( FCRA Section 609 ) : Under Section 609 ( 15 U.S.C. 1681g ), I have the right to obtain and dispute the completeness and accuracy of the information in my credit report. I request that you investigate and verify the accuracy of the reported charge-off. If the information can not be verified, it must be removed. 

Reinvestigation of Disputed Information ( FCRA Section 1681i ) : Under Section 611 ( 15 U.S.C. 1681i ), I have the right to request a reinvestigation of any information I believe to be incorrect or inaccurate on my credit report. I demand that you review and correct this information immediately. 

Removal of Inaccurate/Invalidated Credit Information ( 15 U.S. Code 1681i ( 5 ) ) : As per Section 611 ( 5 ) of the FCRA, if, after a reinvestigation of any information disputed by a consumer, an item of information is found to be inaccurate or can not be verified, the consumer reporting agency shall promptly delete such information from the consumers file. 

Responsibilities of Information Providers ( FCRA Section 1681s-2 ) : Under Section 623 ( 15 U.S.C. 1681s-2 ), information providers must ensure the accuracy and completeness of the information reported. The inclusion of this incorrect charge-off information represents a clear violation of this section. 

Compliance with Accuracy Procedures ( FCRA Section 1681e ) : According to Section 607 ( 15 U.S.C. 1681e ), credit reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information contained in credit reports. The inclusion of this inaccurate charge-off indicates that these procedures have not been followed. 

Truth in Lending Act ( TILA Section 1601 ) : Section 1601 of the U.S. Code ( 15 U.S.C. 1601 ) is part of the Truth in Lending Act ( TILA ), which requires the provision of accurate and transparent information in the terms and conditions of credit. This regulation reinforces my right to accurate and truthful reporting of my credit information. 

I demand that this inaccurate information be removed from my credit report immediately. I am enclosing a copy of my credit report highlighting the disputed information.
Product: Credit card or prepaid card

The ATM took my cash back before I could grab it
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax suffered a security breach that was announced over the past few days. They did n't contact me or let me know that my information was compromised. Their executives sold over {$1.00} million worth of their stock BEFORE announcing the security breach. I had to receive an email from my password manager ( that was n't affected or harmed at all by this security breach ) directing me to a site managed by Equifax to see if my information ( social security number, etc. ) was compromised. Turns out it was. I now have to spend time going over securing my credit, putting freezes on my account, and closely monitoring my credit in the unforeseeable future because my SSN is not going to change and is now out there in XXXX knows whose hands.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, There are 2 addresses that are currently listed as mine on the 3-bureaus reports. They are : XXXX XXXX XXXX. 
XXXX, NY XXXX XXXX XXXX XXXX XXXX 
XXXX, SC XXXX These addresses are NOT MINE, nor have they ever been. As a result, credit cards have been opened and those accounts have reported. Also, several inquiries have also been made and are listed as hard inquiries on my XXXX report. They are XXXX XXXX XXXX XXXX XX/XX/22 XXXX XXXX XXXX XX/XX/22 XXXX XXXX XXXX XX/XX/22 Because of this error I have had to put a freeze on my credit, which impacts my ability to secure new funding. I have contacted the bureaus and the erroneous accounts have been removed, but the addresses that appear to have caused the error in the first are still reporting, as are the hard inquiries.
Product: Debt collection

XX/XX/2019 I received a debt collection letter with no option of to dispute. This has gone far enough. These creditors are violating my rights. This not the forst time I have had an issue with this credit collection company. I have filed a previous complaint against them. 

Account number XXXX And how does 2 different creditors outside of the original creditor have this in their companies system. Who is exactly handling this account? This is very very alarming to me. I am absolutely bothered by this. Who is XXXX XXXX and Radius Global Solutions and why are both handling my account with personal medical information on it. This is absolutely scary and this must be handled. Other identifiable account number XXXX from Radius Global Solutions.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit Reporting act XXXX XXXX has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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 Balance Owed : {$420.00}, XXXX XXXX XXXX XXXX Balance Owed : {$840.00}, XXXX XXXX XXXX Balance Owed : {$440.00}, XXXX XXXX XXXX Balance Owed : {$3400.00}, XXXX XXXX XXXX XXXX XXXX Owed : {$0.00}, XXXX XXXX Balance Owed : {$590.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of fraud. I have reported to all the credit bureaus and several companies.
I have fraudulent credit inquiries that I did not apply for appearing on my credit report that I did not apply for. I have contacted Capital One Bank and XXXX XXXX XXXX to have these removed and was told they are not able to locate me in there system since I do n't have an account with them. The credit bureaus have n't been any help either.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recieved letter from Transunion dated XX/XX/2023 in regards to my dispute of unauthorized hard inquiries that they provided companies fraudulently. The letter states they can only provide my consumer report with permissible purpose. I advised them per previous disputes that permissible purpose was NOT given. Per FCRA PERMISSIBLE PURPOSE is listed as insurance underwriting, firm offer of credit ( we as natural people are the original creditors ), employment, or written consent by me. None of which were met. Thus Transunion is.in clear violation of the FCRA by violating my right to privacy, Defamation of character, providing false information that they have been made aware is inaccurate, and failure to perform any reasonable investigation before inserting fraudulent information onto my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have viewed my consumer report account XXXX # XXXX and noticed that your company is in violation of law under 15 usc 1681 b- permissible purposes of the consumer report The Law clearly states subject to subjection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Did I give you written instructions to furnish this account on my credit report? 
Furthermore 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a credit report clearly states : ( a ) EXCLUSIONS-Except as provided in paragraph ( 3 ) the term consumer report does not include - ( A ) subsection 1681s-3 of this title, any- ( i ) report containing information solely as to transactions or experiences between consumer and the person making the report : Delete the above account from my consumer report, this agency is in violation of 15 USC 1681. 

Also inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX needs to be removed from report .I did not give written instructions or authorize this account on my report! This is violation of 15 USC 1681 b
Product: Consumer Loan

Citibank XXXX XXXX ( CBNA ), in conjunction with The Home Depot, treated me unfairly. In XX/XX/XXXX I applied for, and received, credit at the check-out register for a purchase ( about {$350.00} ) in order to get a {$50.00} discount. They got my mailing address wrong, so I never received a bill. ( Despite my ongoing efforts to communicate and negotiate a fair settlement, I still have never received a bill ). I forgot I had applied for this credit, and also forgot the amount due, thinking I had simply added it to an existing credit card. 

XX/XX/XXXX I received a collection call -- my first reminder that I had opened this credit account. I agreed I owed something, gave my correct mailing address, and asked for a statement I could use to negotiate a settlement. I did not believe I should pay for late fees and interest when I never received a bill! To date, I still have n't received a statement. 

XX/XX/XXXX they wrote off my debt, sent me to a collection agency, and dinged my credit report WHILE I HAD ALREADY AGREED TO PAY SOMETHING AND WAS SIMPLY TRYING TO OBTAIN THE INFORMATION NECESSARY TO NEGOTIATE A FAIR SETTLEMENT. I contacted the CBNA/THD ( they still have yet to send me anything by mail or contact me by phone other than the XXXX XX/XX/XXXX call ) and the balance they are trying to collect from me is now up to over {$700.00}! 

These collectors are intentionally stringing me along to grow the interest charges. They prey on people with good credit, thinking they will simply pay the fees to make outstanding balances go away, no matter how unjust. Well I will not stand for it and will fight. I will pay what is fair, but not {$1.00} more!
Product: Mortgage

I was in the process of buying a new home for my XXXX children, wife and myself when the lender informed me that XXXX  Mortgage is reporting I made my XX/XX/XXXX payment late on XX/XX/XXXX. This is absolutely false and I have the confirmation email from XXXX  Mortgage dated XX/XX/XXXX that the payment was made. I spoke to multiple agents first being XXXX who was the rudest excuse for a XXXX agent Ive ever encountered. She raised her couch at me and insisted I made the payment on XX/XX/XXXX and would not even listen to me that I made it on XX/XX/XXXX and had the confirmation email to prove it. She spoke over me, outright refused to connect me with a supervisor after many clear requests and basically called me a liar and kept saying Whats crazy is Im looking right at it and you scheduled it on XX/XX/XXXX. Another agent, XXXX ID # XXXX ( on XX/XX/XXXX ) stated she could see that we made the payment on XX/XX/XXXX and this happens sometimes because of the holiday and weekend and they were closed on XX/XX/XXXX and XXXX so it didnt post until XXXX but it was made on time in XXXX. She told me the payment will not be reported as 30 days late and would be auto back dated. 
However, when I did a conference call with XXXX who was confirming for the lender, that agent ( also named XXXX but different from the previous XXXX XXXX said she does not see that and reported that the payment was made 30 days late on XX/XX/XXXX. She would not do anything to help or verify the information I was giving and even refused to allow me to forward them the XX/XX/XXXX confirmation email stating that the cashier she was escalating to would be able to see it. She would not provide a timeframe at all for resolution even when I explained this was preventing us from closing on our new mortgage. I called again on XX/XX/XXXX and again explained we are waiting for this issue to be resolved and that I have been calling for XXXX weeks and being told different answers and no one is helping. I begged the girl to help me resolve it today as our closing date was the next day, XX/XX/XXXX. She put me on hold and then stated her supervisor had escalated the issue to the cashiers and would call me by the end of that day. That was XXXX days ago and I still never heard from anyone. As a result of this, my new home loan was denied and I am now left with my family of XXXX staying in my mother in laws XXXX bedroom home with her, all in our things in a XXXX XXXX, we already enrolled our kids in new schools, set up utilities, changed address with the post office and the sellers of the home we were to purchase already moved out as well. Our lives have been absolutely turned upside down because of this.
Product: Money transfer, virtual currency, or money service

The local branch would not accept {$7000.00} cash because it could be money laundering. They suggested getting a certified cashiers check from the credit union as it is the same as cash. The certified cashiers check was deposited. The teller said XXXX would be available immediately and XXXX would be held until Friday. The main customer line was called because none of the funds are available in my account immediately. Now Im told the funds will be available tomorrow. We deposited the certified cashiers check at XXXXXXXX XXXX. I am now unable to go pay the earnest money for the house Im trying to purchase. They offered no assistance and said there is nothing they can do. The teller provided faulty information and now we may not be able to move forward with the house.
Product: Credit card or prepaid card

I have the AppleCard with Goldman Sachs and had my XXXX XXXX XXXX account listed as method of payment since XXXX. 

Beginning in XX/XX/XXXX my balance payments were withdrawn from another XXXX member 's account due to ( I'm told ) a one-digit error in the first XXXX numbers of the listed account. XXXX accused me of entering the account number incorrectly. 

I learned of this issue via a XX/XX/XXXX phone call from XXXX with no electronic notification/heads up -- in this day/age most anyone will notify the enduser to prompt them to contact the institution for info/PII security. During the XX/XX/XXXX conversation with XXXX I was told the issue was from XX/XX/XXXX and then that this had been an issue since XX/XX/XXXX. You can XXXX my account security concerns. 

CFPB Complaint XXXX already filed for XXXX as well. 

XXXX points the finger at Goldman Sachs as they are the party issuing the transaction requests on my behalf also because they post to the Fed. XXXX says ; not our problem. 

After several disputed payments and regardless of settling this sum in XXXX payment Goldman Sachs I've lost " grace '' since the payments had been returned. 

I'm told it will take XXXX days for anyone at Goldman Sachs to look into the case and/or get in touch with me. 

My concerns are probably obvious ; credit reputation/score along with risk of future occurrence.
Product: Payday loan, title loan, or personal loan

Thank you for the opportunity to submit this complaint. Grain Technology extended a loan/line of credit to me in 2020. I have faithfully paid every month. I have even come close to paying it off and drew down on my money. The money has always been automatically taken from my checking account. 

Grain has no way for customers to reach customer service, ever. They NEVER respond to emails timely, if at all. It generally takes 2-3 months to respond to an inquiry, again, if they even respond at all. I few months ago, they sent an email about verifying your account, I went to verify and I was locked out of my account. I have no way of viewing my account number, my payment history, my balance, or pending transactions. 

I returned to my account weeks later and it required me to verify. It was a very tedious process, unlike any other credit card company I use. I do not use sub prime companies. I submitted my social security card, drivers license front and back as requested. It indicated it would take 5 business days. It has been minimally 15 business days now. I have emailed them at least three times since with absolutely no response. They, on their XXXX page are choosing who they respond to. They are lying explaining because they are short staffed it will take 10 business days, and that is not true. As well they are saying they are being required FEDERALLY to verify identities, but they are still taking money from UNVERIFIED ACCOUNTS! HOW IS THIS LEGAL AT ALL? 

I have no access at all to the line of credit WE entered into and I have a right to have access AND draw down from based on the credit terms. It is very CLEAR Grain Technology is DEFRAUDING people, and I am seeking legal counsel to see how I can not be responsible. If I stop the auto payment at my bank it adversely impacts my credit score, yet I have no idea what I owe, and can not access my account. THEY NEED TO BE INVESTIGATED.
Product: Debt collection

THIS ACCOUNT HAS NO RELATION TO ME AND NEEDS TO BE REMOVED and DELETED FROM MY CREDIT REPORT INSTANTLY. Collection agency is IN VIOLATION OF FCRA SEC 809, IN WHICH YOU HAVE COLLECTED INACCURATE AND INCORRECT LOCATION DATA AND ACCOUNT INFORMATION.. I DID NOT LEGALLY SIGN CONSENT FOR YOU, OR ANY DEBT TO BE SOLD TO ANOTHER CREDITOR OR DEBT COLLECTOR .You are not the original creditor, and harassing me at my work place will cease this instant. Remove and delete this uncollectable account from my report. 
SEC.807.FALSE OR MISLEADING REPRESENTATIONS Portfolio Recovery Associates is not the Original creditor of this account nor was i informed that debt was purchased by third party who i did not legally do business with and request the legal " Consumer contract '' bearing my wet signature from the original creditor validating this claim. In addition, please provide copies of accounts complete payment history from open to close, interest rate agreement between you and original creditor relating to the sale of this debt and the accurate GPS location data for time and purchase of the debt or remove the inaccurately reported item from my report or i will continue to use all resources available to me to ensure you pay for the negative impact you are having on my current credit report.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account. Actually I am not sure that the account is even mine though your company claims to have verified this. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX, XXXX, XXXX XXXX the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the XXXX in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXX XXXXXXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I posted in the XXXX Vacation Rentals Private XXXX Group that I was looking for a condo to rent near the beach. I got many replies back to my post as well as someone with the XXXX name of XXXX XXXX XXXX who reached out to me via XXXX XXXXPrivate Message and said her rental was available. After asking many questions, I told this person that we'd think about it. We looked at all of our options and decided we wanted to proceed with her property. 

Almost 48 hours later I reached out to her, asked a few more questions and then told her we were ready to book. She gave me the option of booking online through her management company XXXX or I could book directly through her. I asked her if there was a difference and she said no. The only difference was that we'd save the {$400.00} fees the management company charges. We decided we would like to save on fees and would book directly through her. 

She provided me her XXXX information, which was an email address of XXXX under the name of XXXX XXXX XXXX XXXX XXXX. I logged into my bank account with Bank of America, and used XXXX to send {$1000.00}. This person sent me a PDF confirmation from XXXX that looked very suspicious, so I started investigating and realized it was a scam. Upon notifying the group on this scam and discussing this person with a moderator of a different beach group, I learned that this individual or group of individuals has scammed many people using the XXXX XXXX XXXX fake account as well as other fake accounts, including XXXX XXXX, Virginia XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX. He/She has even taken names of members in the group and created profiles with their names and tried to go that route as well. 

We are frustrated because we thought that by using XXXX through Bank of America, there would be fraud/scam protection and Bank of America would be able to work with the recipient 's bank to retrieve funds.
Product: Vehicle loan or lease

In XXXX I purchased a XXXX XXXX XXXX from XXXX Mercedes. In XX/XX/XXXX I decided to trade the car after an dispute with the company after getting the car serviced and then noticed parts on the car was switched or removed. The XXXX dealership denied taking parts, however, I know what features was on the car and what was not. Upon trading the car to XXXX dealership, i was informed that the Mercedes dealer owed money to me after the contract is closed, for service contracts purchased and not used the whole contract term. My complaint with Mercedes dealership started when the dealer initiated paperwork to reflect that I traded the car in XX/XX/XXXX, however, the car was traded in XXXX, on XX/XX/XXXX. If the date is not correct the amount will not be correct, therefore when I saw the error I contacted the companies in which I purchased the contracts from and requested the date is corrected. At this time I spoke to the GAP insurance company and the TIRE insurance company who both gave me a quote of the amount i should be refunded. The total amount between the two companies was over {$1700.00} dollars. Mercedes Dealership sent me a check for {$1300.00} and I have not cashed it because the amount is not correct. 

.