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

In accordance with 15 USC 1681a ( 2 ) ( a ) ( I ) Transunion, XXXX, and XXXX has violated my rights by reporting the transaction between Me the consumer and the person making the report which the companies Im doing business with. This considered a violation. 15 USC 1681a ( 2 ) ( a ) ( I ) clearly states the transactions between the consumer and the person making the report is excluded from the consumer report. 

Account reporting inaccurate information. 

XXXX. XXXX XXXX Account # XXXX Open date inaccurate Last reporting date inaccurate Last Active dat inaccurate Last payment date inaccurate Clearly show late payments which is an violation XXXXXXXX XXXX Account # XXXX Last Payment Date wrong on this account Last Active Date is inaccurate Payment Status Inaccurate Clearly show late payments which is an violation XXXX XXXX  Account # XXXX Opening Date is inaccurate Last Reported Date inaccurate Date last Active inaccurate Date of Last Payment inaccurate 4. DP OF EDUC Account # XXXX This account does not belong to me Never gave consent to furnish this account This is considered a violation. 

XXXXXXXX XXXX XXXX XXXX XXXX  Account has been paid off This company has not license to collect in Washington DC Please delete this account as it is causing financial and emotional damage. 

XXXX XXXX Account # XXXX Open Date inaccurate Payment Status inaccurate Date last Active inaccurate Late payments being reported is a violation Please delete this account XXXX. XXXX XXXX Account # XXXX Open date inaccurate Active Status inaccurate One report say open, another account say Paid. 
Please delete this inaccurate account XXXXXXXX XXXX  Account # XXXX Open Date inaccurate Last reporting date inaccurate Credit limit inaccurate Please delete this account A consumer report should be 100 % Accurate. There are too many inaccurate accounts and consistency of careless activity being done on my report. There must not have been any investigation of my consumer report.
Product: Debt collection

XX/XX/XXXX XXXX Spoke with XXXX  of XXXX locates at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX and he said that hell have XXXX/assistant manager to call us back regarding overcharge of {$500.00} he also stated that lines has already been suspended and that XXXX might have forgot to send notification out to XXXX on XXXX  XX/XX/XXXX at XXXX pm Spoke with XXXX and he stated that they made a mistake in canceling the overcharges XXXX also stated that he forwarded the concern to his supervisors ( XXXX XXXX XXXX and XXXX is also a XXXX manager and said that nothing was done about it. 

XXXX and/or XXXX XXXX XX/XX/XXXX at XXXX Spoke to XXXX with XXXX and he stated that XXXX and XXXX XXXX Managers ) are both on vacation and wont get back till XX/XX/XXXX which is on a Tuesday XX/XX/XXXX at XXXX XXXX  At XXXX called XXXX and spoke with XXXX when asked to speak to XXXX XXXX or XXXX XXXX stated that XXXX no longer works there XXXX works at a store in XXXX and XXXX not in and is off Thursdays and Fridays but will be in Saturday for a special event when I inquired about why my account was forwarded to collections she stated she had no idea
Product: Credit card

* I bought an XXXX XXXX ticket which showed me total ticket price of XXXX * I paid this payment by one of my bank of america credit card ending with XXXX XXXX Now the bank of america shows a Foreign transaction fee of XXXX. 
Complain : I am in USA physically, open the website in usa, bought ticket while I was in USA, XXXX XXXX site does not state that the transaction will take place out side USA, bank of america does not say that this site will be considered a foreign transaction, then why I am being charged. Bank of america should clearly state me on each charge that this would be extra fee or say this is foreign transaction. 
Website itself does not declare it. Pls assist me getting these fee back. 
Thanks, XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian report showed joint responsibility for a mortgage that has been assumed by my wife. I filed a dispute XX/XX/XXXX and received notice it was completed today. The item still remains on my credit report showing joint responsibility but with a note that shows I disputed it. I have documentation from XXXX XXXX explicitly stating that I am " hereby released of any financial obligation. '' That is not a description of joint responsibility for an account.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. On XXXX XXXX, 2019, XXXX XXXX add a hard inquiry on my credit report per XXXX. On XXXX XXXX, 2019, Suntrust Auto Dealer Fin add a hard inquiry on my credit report per XXXX. On XXXX XXXX, 2019, XXXX XXXX add a hard inquiry on my credit report per XXXX. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Credit reporting or other personal consumer reports

I am contacting you to raise a formal complaint regarding the ongoing reporting of incorrect information on my credit report. Despite previous disputes and the evidence I have provided, the inaccurate data has yet to be rectified. 

This situation directly violates the Fair Credit Reporting Act ( FCRA ), specifically Section 623 ( a ) ( b ), which requires credit reporting agencies to ensure the highest possible level of accuracy in the information they report. 

For further specifics, I have attached a detailed letter outlining the errors in question. I urge you to take immediate steps to correct this issue and to ensure that my credit file reflects accurate information. 

I appreciate your attention to this matter and look forward to your swift response.
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. 

Account Name : XXXX XXXX XXXX XXXXXXXX - DATE OPENED XX/XX/XXXX Account Name : XXXXXXXX XXXX XXXX XXXXXXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXXXXXX - DATE OPENED XX/XX/XXXX UNAUTHORIZED INQUIRIES : TXXXX 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 XXXXXX/XX/XXXX
Product: Debt collection

To Whom It May Concern : On today, XX/XX/21, at XXXX PM, I received another one of many repeated telephone calls from FNC Control SVC XXXX. The call originates as a pre recorded message stating this is an attempt to collect a debt. You are not given any information as to the amount of debt, type, who the debt is owed to, nothing. It does offer a number to call for more information or " Press # 1 '' to speak with someone now. So today I decided I would do just that and try to stop the calls. However, upon pressing 1, it just disconnects the call. I have no outstanding debt that I am aware of. We do have debt don't get me wrong. I have a mortgage, credit card, etc., but they are all paid on time. These calls are relentless and typically right as we are about to sit down to have dinner. I am registered on the do not call list which doesn't seem to help entirely. If there is anything that you can do I would greatly appreciate that. I know they have a job to do and it isn't the middle mans fault but these calls are beyond a nuisance. Thanking you in advance.
Product: Credit reporting or other personal consumer reports

I have several complaints to express, and I want to emphasize that I have been a victim of a crime, yet no one seems to care. Once again, I am urging for the removal of the fraudulent entries from my credit report, which were opened without my authorization. Some items have been removed, but there are still numerous remaining on my credit report. Below, you will find a list of the items that need to be removed : XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$18000.00} ; XXXX XXXX Balance Owed : {$1600.00} ; XXXX XXXX Balance Owed : {$2600.00} ; XXXX XXXX Balance Owed : {$1600.00} ; XXXX XXXX Balance Owed : {$2600.00} ; XXXX XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$0.00} ; XXXX  XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$1400.00} ; XXXX XXXX  XXXX  XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit card

So on XX/XX/year> my account was charged {$200.00} for a transaction that I had nothing to do with or purchase from it. It happened in the morning while I was sleeping and I was going to use my credit card to buy something, but when I open my bank app I was in overdraft and got charged {$200.00} for a purchase that I did not have anything to do with. I filed a dispute with them and they said that it was gon na take at least XXXX days for the merchant to respond back and I was mad about it because they charged my credit card and left my account in the negatives. Today I had an update about the dispute and I lost it.
Product: Credit reporting 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 XXXX XXXX XXXXXXXX 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 items that do not belong to me or were opened without my permission. 
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I have found several inaccuracies and unauthorized inquiries on my consumer report. I would like each of these inaccurate accounts and inaccurate information to be removed effective immediately, which is my right as a Federally protected consumer under the FCRA. Personal information. Names. Only the name XXXX XXXX XXXX should be present all my consumer report any variation or misspelling of his name must be removed. Addresses. Only the address XXXX XXXXXXXX XXXX XXXX XXXX XXXX IL XXXX Should be present on my consumer report. Any other addresses are in accurate and does not accurately represent me as a consumer I can not be reached nor contacted at any of these addresses.. the following addresses must be removed XXXX XXXX XXXX XXXX, IL XXXX And the address XXXX XXXX XXXX XXXX XXXX, IL XXXX They must XXXX removed immediately In the birthdate/year of birth field YEAR OF BIRTH XXXX  this is incorrect and incomplete. I would like this in accurate information removed from all forms of my consumer report. Which is my right under XXXX XXXX XXXX. EMPLOYERS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX this information must be removed from my credit report because it is incorrect. I have never worked at these institutions. I do not know where this information came from. Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS and INQUIRIES and/or bankruptcy from my credit report immediately.
Product: Mortgage

XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XX/XX/XXXX Attention Consumer Financial Protection Bureau, My husband and I were looking into refinancing our home through XXXX XXXX  XXXX. On Tuesday, XX/XX/XXXX we found out that there was a lien put on our mortgage. We did not know about, nor were informed about this lien. The original mortgage was created in XXXX for {$250000.00} with XXXX XXXX  and was assigned to XXXX XXXX and that mortgage was discharged on XX/XX/XXXX. In XX/XX/XXXX we refinanced with XXXX XXXX. XXXX XXXX assigned our mortgage to Bank of America on XX/XX/XXXX. On XX/XX/XXXX Bank of America created an FHA Partial HUD lien on our home for {$53000.00}. They had only owned our mortgage for a month from XXXX XXXX. We did not borrow money in XXXX or XXXX against our home. We do not know why we would have a lien put on property after 30 days on an amount we already paid. 
The other concerns that we have are the signatures for the lien and modifications. All the signatures are from XX/XX/XXXX when we signed paperwork for XXXX XXXX  NOT for Bank of America. 
The second issue is with the two modifications dated XX/XX/XXXX and XX/XX/XXXX. The signatures are also from XX/XX/XXXX. Once again, these signatures were before Bank of America owned our mortgage. The other concern we have is after the signature pages are notaries from Colorado and Texas that we were not present nor met to acknowledge this modification. 
My husband and we were behind on our payments during the Summer of XXXX. However, Bank of America set up our payments to be added to the end of the mortgage was in the amount of {$9700.00}. Bank of America assigned our mortgage to XXXX XXXX on XX/XX/XXXX. The deferred balance shows on our monthly mortgage statement. This modification was the only part of the mortgage we agreed to. The mortgage assignment also shows XXXX XXXX XXXX XXXX Attorney did not do their job. Since there is a lien on the property and not noted. Please investigate the entire situation and look into questionable issues and actions regarding these individuals, notaries and institutions regarding these changes. Please keep us in your investigation loop. Thank you. We are appalled that our signatures were used in such a questionable way. We would also like to see a " wet copy '' of our mortgage. 
Sincerely, XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX XXXX
Product: Debt collection

XX/XX/XXXX it appeared on my credit, I called Deville and they removed it and then it reappeared on my credit report XX/XX/XXXX I called again and they would not remove it unless I payed! I paid {$600.00} on XX/XX/XXXX and they removed it however the original loan was XXXX whom was sued and lost and the loans were not legal nor should they have been collected on! The company Deville is aware but they said to bad!
Product: Consumer Loan

We received a loan to purchase a car through Toyota Financial Services. 
- First payment was received by Toyota on XX/XX/XXXX - Shortly thereafter I called to have the payment date extended to the XXXX of each month. The gentleman I was speaking to said we had to sign a form. I told him we were leaving on XX/XX/XXXX and wold not be back until XX/XX/XXXX. He said he would either email it or fax it ( I do not remember which ). 
- The required form did not arrive so several days later I called Toyota and a woman helped me said I did not need to sign a form and that she could change the date. 
- XX/XX/XXXX we received a collection call from Toyota. when I spoke to the person told me not only did we have to sign a form must now pay Toyota {$28.00} or {$29.00} for Toyota to do their job and change our payment date ( first we have been told about this ). Basically I was told " too bad so sad you are now past due and we are not going to the right, ethical or moral thing and change the payment date retroactively. 
- I then made several calls - all of which my phone dropped due to the bad reception. 
- Finally I got through to someone who put me in touch with someone who said they could help - then my phone dropped the call again. 
- When we returned home there was a form from Toyota for us to sign that was mailed after our departure date - of which they had been made aware.. 
- Long story short - I have made repeated calls but still can not get this straight. Each call the holding times have been from 8 to 20 min hold time and when I am put through to a supposed " Resolution Specialist '' one waits another 15 to 30 minutes to speak with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. Please remove them from my report. XXXX XXXX XXXX {$280.00} XXXX XXXX XXXX {$650.00}
Product: Consumer Loan

I reached an agreement with Universal Acceptance Corporation to settle my account for {$1000.00}, which, I paid with my XXXX XXXX XXXX debit card. I want UAC to send me a letter of confirmation and the release of lien document.
Product: Student loan

XXXX. How were you financially affected by the misleading information or lack of information relating to your programs cost or the nature of your loan? Please include any difficulties you have had getting a job in your field of study as a result of your schools misrepresentations regarding your program cost or the nature of your loan. 
-I have been affected for almost 20 years at my decision to attend XXXX XXXX  XXXX I failed XXXX semesters and had to repeat them. You had to repeat the entire semester which was not known when enrolling. There is no comprehensible reason to repeat an entire semester when only 1 class was the problem. Not only was my education delayed, I had to pay for the entire semester twice which was incorrect. I was told that I would only have to pay for that one class, but the entire semester was charged to my account each time.

2. Did you rely upon the statements related to your programs cost or the nature of your loan you described above when you chose to enroll in your school?

X Yes No -I would not have changed my life and turned it upside down for 3 years. I would have kept applying to state schools and waiting as long as it too for admissions. I would not have paid so much for my education if I had not attended XXXX XXXX. The cost of this institution is insurmountable. 
XXXX. The student loan debt that I carry has affected hoe ownership, car ownership, debt consolidation and my overall financial health.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I mailed a dispute letter to TransUnion disputing the completeness and accuracy of accounts on my credit report. I recently received a response from TransUnion that was issued by them on ( date you received the letter from TransUnion ) that they received my dispute but they would not process it because they are assuming it is from a 3rd party. I'm not sure why they think that as I am trying to fix my own credit and these inaccuracies are harming my ability to obtain credit. I am demanding that TransUnion do its job and conduct a proper investigation on the accounts I am trying to dispute.
Product: Money transfer, virtual currency, or money service

Last Thursday, XX/XX/XXXX of 2021, around XXXX, I tried to deposit {$3600.00}, in all XXXX dollar bills, into a PNC Bank atm located at XXXX XXXX XXXX, XXXX XXXX, KY, XXXX, United States. I am not a member at this bank but I knew of the atms feature of being able to deposit money into ones account. The atm counted the money I put into the machine correctly and proceeded to ask me to continue. Once I clicked continue the atm told me that I wasnt able to deposit money in the atm to put into my account and that I had to go to my own bank institution. However, it never refunded the money that I put into the machine. It never even gave me a decline receipt for not being able to deposit the money. I then went into the bank to talk to a manager about what happen. After an hour of trying to explain what happen to my bank, XXXX, over the phone and the PNC bank manager, I was trying to figure out how to get my money back. XXXX was telling me there was no transaction history of me trying to deposit money into my account and the PNC bank manager was telling me since I was not a member at their bank institution there was no way to check my account to see why money wasnt deposited. Once understanding that there wasnt much my bank could do for me because there was no transaction history or no data to support my claim, PNC became my only option of trying to get my money. It only makes sense, PNC bank was where I deposited my money ; their atm was what took my money and didnt give me my money back. They had my money. But the PNC bank manager said their atms are serviced by a 3rd party company. The PNC bank manager would never give me the number to their 3rd party company that services that atm either. From what the manager told me, the 3rd party company are the only ones that would know of the overage in the atm. Ive called the PNC bank customer service number off of their website and spoke to a supervisor and explained to her what had transpired and she gave me a reference number and said she would call me within 24 to 48 hours with more details on how we could resolve the situation. The incident was that Thursday, so I expected a call the next day, which wouldve been Friday, or the following Monday. I still have not received a call. Tuesday I called the PNC branch where the incident took place and gave them the reference number to see if they could find any details of what their higher ups did with the situation. However, they couldnt find anything with the reference number i gave them. They then said Id have to get in touch with consumer financial protection bureau to try to resolve the situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraudulent items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediate. 
XXXXXXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX  XXXX OH XXXX XX/XX/XXXX ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX XX/XX/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