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

As a federally protected consumer under the Fair Credit Reporting Act, I am reporting numerous violations of the law by XXXX XXXX  XXXX  and all three major credit bureaus ( XXXX, XXXX, and Transunion ). Not only has my nonpublic information been unlawfully reported by XXXX to each bureau against my written instruction, but the information reported includes numerous inaccuracies that require correction. The Privacy Act of 1974 and 15 USC 1681 ( a ) ( 4 ) both require that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Furthermore, according to 15 USC 1681b, any consumer reporting agency may only furnish a consumer report in accordance with the written instructions of the consumer to whom it relates. I have not given any instruction to the bureaus to report my nonpublic information. On the contrary, I have exercised my continuing right to opt out of any sharing of my nonpublic information per 16 CFR 313.7 that states a consumer may exercise the right to opt out at any time by mailing an opt out notice to the creditor ( see attached letter sent to XXXX on XX/XX/XXXX of XXXX ). XXXX did not honor my notice when they reported past due payments and an account closure for my XXXX XXXX XXXX. According to 15 USC 1681a ( 2 ) ( A ) ( i ) consumer reports can not lawfully contain information regarding the transactions between the consumer and the person making the report. 15 USC 1681c prohibits the reporting of any adverse items of information ; as such, derogatory reports like late payments, delinquencies, and account closures are in direct violation of the law. Furthermore, all three bureaus list my account as 120 days past due when, according to 15 USC 1666b ( a ), a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. Both 15 USC 1681 ( a ) and 15 USC 1681e require consumer reporting agencies to ensure the accuracy of the information they report, and there are numerous discrepancies and inaccuracies between the three bureaus reporting on this account. XXXX reports an account balance of {$16000.00} in XX/XX/XXXX while Transunion reports {$12000.00}. XXXX also reports scheduled payments of {$170.00} for XX/XX/XXXX and {$470.00} for XX/XX/XXXX while Transunion reports {$140.00} and {$340.00}, respectively. XXXX and XXXX show the date of first delinquency as XX/XX/XXXX while Transunion shows XX/XX/XXXX. Transunion reports a past due amount of {$0.00} for XX/XX/XXXX, while XXXX reports {$1700.00}. XXXX shows the account was closed in XX/XX/XXXX, while Transunion and XXXX both report it closing in XX/XX/XXXX. None of the bureaus report this card as Charged Off, and it has been charged off since XX/XX/XXXX.
Product: Money transfer, virtual currency, or money service

This is a problem with my paypal account. They keep asking for the same information, which I provide to them, and then they simply ask for it again, They have had my money in reserve for months for no reason and now my account is limited. I mostly use paypal to buy now for the past 2 years, not really selling with it any more.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. The information which appears on my credit report, does not relate to any transactions that I have made and are related with my current open accounts. The following are the results of identity theft.
Product: Checking or savings account

I had disputed a transaction with bank of america about fraudulent transactions on my account i had money in my account that i was saving for my grandmothers birthday only to notice that my banking information had been compromised. When i noticed that my funds where missing i reported it to bank of america as soon as i noticed. The location that i am in only has Bank of america atm 's so i couldn't even go inside of a branch to report the problem. I filed a dispute once i finally got a hold of a representative she was very rude and hung up on me not being the slightest bit of professional. My dispute got denied and i submitted another dispute and another lady was rude as well about it not trying to do anything to help me or give me steps on what i should do next and putting the bare minimum in my dispute which may be the reason why my funds where not refunded. As soon as i noticed my funds where missing i reported it immediately like i was supposed to and they still did not help me even though i explained to them that my debit card was stolen and they still are holding me accountable for these transactions. I need help immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

In light of the XXXX data breach, I have made attempts at all three credit reporting bureaus and their services have been unable to process my request after several attempts over the past three days ( XXXX ). This is likely due to the volume of requests.
Product: Checking or savings account

Returned a single item to XXXX XXXX XXXX XXXX for a {$410.00} credit to my XXXX debit bank card ( tied to my checking account ) from which the item was originally purchased. 

Debit Card was denied refund to receive a debit card " refund '' by XXXX XXXX Materials, so XXXX issued by way of same card a " credit refund '' to this same XXXX debit bank card tied to my checking account. 

This REFUND transaction was on XX/XX/23 ( Thursday ). On Friday I phoned bank and ask why the refund was being held up " in a PENDING '' status. Bank said because Merchant was holding fund- which was NOT true. Merchant paid on XX/XX/23 ( Thurs ). 

Merchant funds were released Thursday XX/XX/23 probably to XXXX. 

I believe XXXX alone and/or my Bank are holding funds. I called XXXX XX/XX/23 ( Monday, day XXXX holding my money ) and no XXXX agent exists to help and XXXX routes my call to my bank and bank says its been released from Merchant ( XXXX ) but can not release Pending status until they receive funds. XXXX is holding or not releasing funds and bank knows it and protects XXXX with their agents being gatekeeper. That agreement needs to change its a circus. Bank needs to provide my money since merchant was deducted on original transaction day XXXX days prior, XX/XX/23. XXXX is untouchable and protected by bank agents. XXXX agents have no control over this transaction they say and transfer you to your banking institition.
Product: Debt collection

On XX/XX/2014 I appeared in XXXX XXXX County Court to settle a dispute with XXXX XXXX XXXX. Case # XXXX was heard by Judge XXXX and DISMISSED. The matter was resolved on the spot and closed. After repeatedly being turned down for employment and credit extensions in the last few years, I requested my free credit reports to discover negative information reported from Professional Finance Corp as collection on behalf of XXXX XXXX XXXX? I called them directly but received no direct answer or call back from messages left. I disputed the information TWICE with the credit bureaus directly to have them refuse to remove this false reporting? I have provided copies of the court dismissal documentation issued from XXXX XXXX County court and the are still non compliant.

I do not owe Professional Finance Company anything. The issue between myself and XXXX XXXX XXXX was resolved directly, in court!!! 

This negligence has cost me employment and is hindering my ability to survive as a result.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, We are experiencing a huge issue with credit report for Transunion. Credit ran on XX/XX/XXXX ; Transunion states suppressed ; lending company and myself have called multiples from XX/XX/XXXX to now daily and have had issues getting a hold of an actual person, them giving us incorrect information, constantly hanging up before finishing the call, once given correct information can not confirm if information has been received due to issues listed. I am currently in escrow as of XX/XX/XXXX and am at risk of losing his deposit of {$3500.00} if we do not get this issue resolved within the next few weeks ; I will be out of escrow on XX/XX/XXXX and will lose deposit due to this issue. 

My lending company had to call the credit company they use to pull to be able to get accurate information such as mailing address and what to send to company. Also Transunion could not explain to me why credit report for that company states " suppressed '' they did not help or get me answer for that at all. It was my lending company that told me my client was " frozen '' and gave me information and what was needed to be sent via mail. Transunion had been telling me i can send it via fax and then never provided fax number only to find out that they do not do fax they only receive documents via mail. 

I have never locked/ froze my credit so do not understand why Transunion would do that. 

Please advise as this issue is extremely urgent and costly. 


Thank you,
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX and Transunion credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX Balance : {$2400.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On my correspondence to this company dated XX/XX/2018. I disputed several accounts that has been reported incorrectly and inaccurately. I clearly listed in my letter what the accounts are and what incorrect and missing information there are per account. It is now XXXX and till now have not receive any concrete evidence that an investigation was conducted, nor documents used in their investigation. At this point the disputed information are in verified/invalidated and this misconduct is definitely a violation of FCRA. The accounts that I disputed are the following : 1. XXXX XXXX XXXX XXXX Ref # XXXX, 2. XXXX XXXX XXXX USA Ref # XXXX 3. XXXX XXXX XXXX  USA Ref # XXXX 4. XXXX XXXX / XXXX XXXX  ref # XXXX.
Product: Debt collection

The debt is from XXXXXXXX XXXX XXXXXXXX. I cancelled my gym membership on XX/XX/XXXX. They said they'd charge for another XXXX weeks, and my last charge was on XX/XX/XXXX. A year goes by, and I receive a letter in the mail saying I owe around {$140.00}. I immediately go to the gym and ask to remove this debt and for a solution. A worker takes the letter, goes to the back, and comes back saying it should be gone within XXXX days. I do not remember the date this happened. 

The gym admitted to the mistake, saying my account must have been " frozen '' and not cancelled, resulting in unnecessary payment. 

Now, on XX/XX/XXXX, I am still receiving emails from " Aldous XXXX Associates '' saying I owe even more, {$180.00}. The gym location has since closed, and I have no way of getting in contact with employees.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called   XXXX   to update my personal information and an address (   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   ,  ga  XXXX  ) that does not belong to me could not be removed. The agent stated that it is linked to an account (  XXXX   XXXX   XXXX ,  XXXX  ) that does not belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Per the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U.S.C. 1681 ) and METRO 2 compliance standards, I challenge all inaccuracies and deficiencies of reporting. Per the FCRA and METRO 2 compliance standards, my credit profile wit XXXX, XXXX, and trans union shall be accurate and complete. Their verification of the information shall be timely, and you should be able to document and provide proof of your verification process of all the information within my credit report. The information in my credit report and below was never proven factual or compliantly reported. I have consumer rights, and I am deciding to exercise those rights to demand that factually accurate, verified, and compliant data be documented and included on my credit report. I also require the permanent removal of any inaccuracies immediately! I also demand that you investigate the source of each account and ensure that each creditor has a permissible purpose for all inquiries within my credit profile.
Product: Credit reporting or other personal consumer reports

After carefully checking my credit report, I have learned and been shocked that I have been a victim of identity theft, my personal information has been used to apply for a card. I found fraudulent inquiry on my credit report. Please dispute and remove listed fraudulent inquiry from my credit report 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: Student loan

I requested a payment made on XX/XX/XXXX to be entirely allocated to Group B,  however the payment and a subsequent payment was allocated differently. I reached out to XXXX XXXX in a XX/XX/XXXX email requesting the reallocation and he never responded in the Solutions Center. Email below : XXXX   XXXX, I paid off Group B - Loan 6 on XX/XX/2018 with a payment of {$1200.00} when the balance was only {$1200.00}, the excess amount of XXXX was applied to Group D. 

On XX/XX/2018, a payment of {$250.00} was made to my account and was allocated in the following manner : Group B - {$53.00} Group D - {$84.00} Group F - {$110.00} I don't understand where and why {$53.00} was applied to Group B when it had been paid in full the previous day. Group B had a status of refund due for a few days and then is changed to paid in full. 

I want to know why {$53.00} was applied to Group B after the load was paid off? 

Also, I sent in a request to have all payments applied to Group F and I'm not sure if it was applied since my account does not show the payment reallocation. 

Finally, a payment for {$150.00} was made for XX/XX/XXXX and as of today does not show on the payment history, I would like to know why and where it is at? 

Thank you, XXXX XXXX I called to Nelnet and spoke with XXXX on XX/XX/XXXX and requested the same and was promised the payment on XX/XX/XXXX and XX/XX/XXXX would be reallocated. Effectively, the XX/XX/XXXX payment would payoff Group B and extra payments would then be directed to Group F until it is paid off. 

To date the XX/XX/XXXX payment still reflects the payment being split across Group B and Group F and the XX/XX/XXXX payment shows allocation across Groups B, D and F. 

I request the change multiple times and I would like to have this change applied immediately.
Product: Credit card

Ensuring punctual payments has always been my practice with this account, never allowing any payments to lapse into overdue status. I'm puzzled by the existence of late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, necessary corrections should be made.
Product: Credit card

I received a letter in the mail on XX/XX/year>. The envelop did not have any logos or markings on it. The letter head return address is XXXX XXXX XXXX XXXX, OH XXXX. It includes my name and home address but no other identifying information such as account numbers. 

The letter reads : Action needed : please call us about your online account access Dear XXXX XXXX : We locked your online account access to protect you. You won't be able to see your statements and notices at this time. To unlock your access, please call us at XXXX ; we accept operate relay calls. To unlock your access for Chase XXXX, please contact your client service representative. If you already contacted us, please ignore this letter. Thank you for your time. Sincerely, Customer service. 

The footer reads " JP Morgan Chase Bank , N.A . Member FDIC '' My Chase account has been closed for <5 years so I know this letter is fraudulent.
Product: Payday loan, title loan, or personal loan

I was recently denied credit expressly because a loan account on my credit report is listed as an UNSECURED loan. 

The loan in in question is by all definitions, a secured loan. This was an installment loan I obtained from GoodLeap for HVAC system and plumbing repairs. The loan agreement explicitly describes this loan as secured, and details the collateral used as security. Additionally, the creditor filed a UCC-1 Financing statement declaring their security interest in the property. 

The TILA disclosure on my loan agreement clearly describes the security. 
Section 5 of my loan agreement reads " GRANT OF SECURITY INTEREST IN COLLATERAL. To secure this loan ... '' and then goes on to describe the property used as collateral securing the loan.

Section 8 of my loan agreement REMEDIES, paragraph a ( 3 ) describes " Foreclose on the Collateral ''.

Section 9 states that upon termination of the agreement, " our security interest in the Collateral will terminate ''. 

I called GoodLeap to ask that the erroneous reporting as an unsecured account to the credit bureau be corrected to accurately reflect that the loan is secured. Over the course of nearly two hours I was told by 4 representatives that my loan is an UNsecured loan, and that they would not report anything different to the credit bureau ( s ). 

The word " Collateral '' appears in my loan agreement exactly 31 times. The word " security '' appears 12 times. The word " unsecured '' appears XXXX times. 

When confronted with the language in my loan agreement, the last representative I spoke with agreed that the loan agreement describes collateral that is used to secure the loan, and also agreed that the UCC-1 filing declares GoodLeap 's security interest in the property. However, they still asserted that it is an unsecured loan and that they would take no action to correct how this loan is being reported. 

Unsecured debt is weighted differently than secured debt in credit decisioning, and this debt being classified as unsecured has negatively impacted my ability to obtain credit with other creditors, that I otherwise would have qualified for.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing this item ( s ) numerous times and the credit bureau refuse to investigate the item properly. The credit bureaus are refusing to send proof of the investigation when I ask, and are illegally accepting verification from the creditor. 

There is also a bankruptcy reporting on my credit file that I did not file. 

I have submitted FTC and police reports numerous times as well, Please help.
Product: Credit reporting or other personal consumer reports

TRANSUION INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 if 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

On XX/XX/XXXX, I received a copy of my credit history report from Bureau. That Report contained incorrect information reported by Credit Bureau. 
I contacted the - customer service department of XXXX XXXX XXXX to request deletion of this inaccurate data from my Credit History Report. After a thorough verification with the bank XXXX been told by one of the agent that I was never late on my account and they will correct the error. Here is my ID number I was provided by conversation over the phone XXXX. They insist that your company claims this information to be accurately reported. 


XXXX XXXX XXXX XXXX Please remove the late mark on this account and update the status to current and paid as agreed. 
This negative mark is damaging to my credit. Please remove immediately incorrect information from my credit file.
Product: Payday loan, title loan, personal loan, or advance loan

I took out a XXXX loan in XXXX I been paying this loan for 3 months in the interest is extremely high they did not explain to me that I would be paying this loan for a year they take XXXX out my account twice a month in the amount not going down and I only received XXXX $
Product: Vehicle loan or lease

I bought 2 vehicles from U S. Auto, I was current on both vehicles until they switched to Westlake Financial and I notice on my bill how I'm missing payments. And My premiums that was apart of my original loan was never refunded at all. Saying that any gap or extended warranty I had Westlake don't honor, I then stated well that was apart of my agreement that I sign.
Product: Credit reporting, credit repair services, or other personal consumer reports

Asked Transunion to remove all inquiries since they were resubmitted and I received no warning that they were gon na put them back on my credit report, they need to be removed. This is an illegal act.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts and inquiries are not mine they was made without my permission, or consent, inquiries, XXXX XXXX XXXXXXXX : XX/XX/XXXX, XXXX  XXXX XXXX XXXX : XX/XX/XXXX, XXXX XXXX, XXXX XXXX Inquiry : XX/XX/XXXX, XXXX XXXX Inquiry : XX/XX/XXXX, XXXX XXXX, XXXX XXXX Inquiry : XX/XX/XXXX All the above accounts and inquiry is and are fraudulent and according to The Court FCRA these accounts violated my rights in many ways these accounts is pass the statutory limit what the law required under statute 15 USC 1681 B, 15 USC 1681u 1681 section 602 Alpha which states I have a right to privacy, 15 USC 1681 604 Alpha Section 2 which states a consumer reporting agency can not furnish a account without my written instructions or consent, 15 USC 1666 Bravo which states a creditor may not treat a payment on a consumer credit card plan as a late payment for any reason the inquieres must be removed immediately thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

SOMEONE USE MY NAME TO GET MEDICAL ATTENTION ALSO OPEN UP FRAUDULENT ACCOUNTS IN MY NAME I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  CRA. On XX/XX/2020, I mailed Equifax, XXXX  and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.