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

We received a tax lien against our credit, we paid the principle which lowered the total amount well below the lien minimum and the lien is still on our Experian account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Over the past 4 months I have made several disputes with Trans Union regarding an fraudulent account being reported on my Trans Union Credit report. In my written and online request I asked that Transunion please investigate this item and show proof of validation or delete immediatley from my report. The account in question is XXXX XXXX/XXXX XXXX for $ XXXX.Every dispute I have sent it their response has been that this account has been " verified '' as mine but shows no proof or documentation showing that it is mine. It is my impression on FRCA that the account in question must show a/an signed document showing that in fact open the account ( i.e signature etc. ) I have gotten anything from Transunion proving the account is mine. There is no possible way that this account belongs to me.PLEASE HELP
Product: Credit reporting, credit repair services, or other personal consumer reports

The following companies have fraudulently and unauthorized inquiries placed on my credit report that. I did not authorize anyone employed by these companies to make any inquiry and view my credit my credit report. This is a direct violation of the Fair credit Reporting Act Section 1681 b ( c ) and a seriuos breach of my privacy rights. 

The XXXX XXXX XXXX  dated XX/XX/XXXX XXXX XXXX XXXX dated XXXX/XXXX/XXXX and XX/XX/XXXX XXXX XXXX dated XX/XX/XXXX XXXX XXXX dated XX/XX/XXXX XXXX XXXX XXXX dated XX/XX/XXXX XXXX XXXX XXXX dated XX/XX/XXXX XXXX XXXX XXXXXXXX dated XX/XX/XXXX XXXX dated XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has 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 account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items if information Any other adverse item of information, other than records of convictions od 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.

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 card or prepaid card

Attempted to use my Comenity Bank card online and at a gas station. I always pay my bill on time
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon inquiry into my credit report I noticed that XXXX XXXX credit card reported a late payment in XX/XX/2018. I disputed this error with both Experian and XXXX XXXX. Experian made the dispute and contacted XXXX XXXX, XXXX XXXX would not change the late payment and I subsequently contacted them and they wrote back saying that they do not agree and that the late payment stands. 
I was never 30 days or more in paying late to XXXX XXXX, from the due date. They claim that I paid {$20.00} in XX/XX/2018 instead of the minimum of {$25.00}. My statement in XXXX shows not 1 but 2 payments, 1 on XX/XX/XXXX for {$25.00} and another on XX/XX/XXXX for {$40.00}. My XXXX statement reflects a payment on XX/XX/XXXX for {$20.00} and a " past due fee adjustment '' of {$35.00} on XX/XX/XXXX. I was also charged a past due fee on XX/XX/XXXX for {$25.00}. I paid {$80.00} on XX/XX/2018. 
Since consumers are protected under fair lending if they pay within 30 days of their due date, they should not receive a harsh penalty of late payment reflected on their credit report for paying less than their minimum due. In this case I was not late more than 30 days from the due date and I paid more than the minimum due. My credit standing should be changed and not marked as late for XX/XX/2018.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : 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  15 U.S.C, 1681section 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 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

I paid off my mortgage on XX/XX/XXXX. 

I have been going back and forth with my mortgage company ( Franklin American Mortgage Co. ) to  release my lien ASAP. 

It has been exactly 60 days today and it has yet to be released. 

It is my understanding that Franklin American is in violation of our state statute 76-2803 which requires liens to be released with 60 days of payment or 30 day so of request and could be subject to a {$5000.00} fine or actual damages whichever is greatest. 

This whole ordeal has put me behind on all my other real estate transactions. Franklin release the documents on XX/XX/XXXX to all responsible parties, but NOT to designated trustee.
Product: Credit reporting or other personal consumer reports

Bankruptcy XXXX Case number XXXX XXXX RE : Results of Reinvestigation I recently contacted XXXX @ XXXX XXXX XXXX XXXX ) regarding information associated to to my file. In accordance the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 es seq. ), XXXX filed my dispute regarding the following data with the listed entity. 

Dispute date : XX/XX/2023 Dispute Filed with : XXXX As of the date of this letter, the Disputed information was removed from my file at XXXX. Please note when information is removed from my consumer reports provided by XXXX as a result of a dispute or request, that change is only applicable to the reports generated by XXXX. XXXX have Disputed this information on XX/XX/2023 on my behalf with the Credit Bureau listed below, but have not received a response from it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Spoke with a supervisor of Equifax named XXXX. XXXX stated I needed to request an update of my last name. I am requesting a update on my last name. My last name is XXXX not XXXX. Please update and remove XXXX. Equifax do have my documentation from previous dispute which is a copy of my utility bill and my social security number. I called XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One is reporting on my XXXX Report that the account was closed with a Balance Due ( {$4600.00} ). The balance was paid in full several months ago, but they are still reporting it is due. Account was closed by Capital One about two weeks ago. I contacted Capital One and they agreed there was a XXXX balance, and said the error is with XXXX. I contacted XXXX, and they said that the error is with Capital one. No one wants to accept blame and they are point fingers at each other.
Product: Debt collection

I was only able to make a partial payment told them they said okay. They still call m e 5 p lus times a day. I have told them when I can make a payment. Less than a month away. They refuse to stop calling they ask me to borrow the money pawn something.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX ... XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX ... XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX , AR XXXXthat listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Product: Credit card or prepaid card

The name of the company is Synchrony The agent that opened the account for me told me that I would need to pay a certain amount on the account monthly and put it on autopay and that this will be interest free. zero arp. I just looked at my account and not only they started charging interest after 1 year but also charged me extra interest for that one year. I spoke to the staff and manager on the website chat but they were not helpful. I called their number and spoke to their manager and he said that he is sorry but nothing that he is able to do and he will make note of it to train the staff better in the future.
Product: Checking or savings account

This complaint is regarding my case # XXXX with Navy Federal Credit Union. On XX/XX/2019, I noticed an debit in the amount of {$840.00} from my checking account. I immediately contacted NFCU, and I was advised that this was a debit from XXXX. I then advised the representative that I had not authorized XXXX to debit any funds from my account. At that time I was given a provisional credit for the same amount. On XX/XX/2019, I noticed that NFCU had once again debited that same amount of {$840.00}, that as given to me as a provisional credit from my account. I have not authorized any transactions to XXXX in the amount of {$840.00} and I am in possession of my debit card that is linked to my checking account. I am requesting that the total amount of {$840.00} be returned back to my account. I am a single parent and to have unauthorized transactions debited from my account is fraudulent. I have paid my cellular phone bills to XXXX with my NFCU checking account when I was a customer of theirs, however, I am a customer with XXXX XXXX XXXX now and has been for 6 months. XXXX has obviously and without my consent used my previous payment information to withdraw the {$840.00} from my account. That is not fair and it's criminal. I did not even know that a company is allowed to keep your payment information on their files and use it at their convenience. If XXXX has a problem with me owing them money, then there are collection procedures and even court that can be utilized, but they should not be able to take money from my account without my authorization or knowledge. Please help me get this issue resolved because NFCU has not resolved this issue fairly.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX, has 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 a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a car and got 4 hard inquiries for that car. I have 2 XXXX credit cards but have 3 hard inquires. Also I have Three hard inquiries that I do not recognize. XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked Transunion to assure maximum possible accuracy to multiple inaccurate accounts reporting on my credit file. Despite my efforts, Transunion has failed to conduct a reasonable and fair investigation that these accounts are 100 % accurate. The lack of response has caused me significant harm to my financial reputation and mental health. I greatly appreciate your attention to this matter and assistance you can provide resolving the inaccuracies in my credit report.
Product: Debt collection

I 've not had any written communication from this company. I have received two calls that do n't say it 's debt collection but that 's implied. They do n't say who they 're calling for. Here 's the transcription of the messages left from the two calls. 

XXXX/XXXX/15 XXXXHello, this is XXXX. We have some papers in your name and address that 's??? an investigation. They require your immediate attention. We need a return call back to me so that we can report to you 've been quoted in compliant in our investigation. Our office number is XXXX XXXX ) XXXX Please reference file number???? when calling. Have a good day. 

XXXX/XXXX/15 XXXXThis is the final courtesy call from XXXX XXXX XXXX before reporting that you 've been uncooperative in the investigation against you.??? hear from either yourself or your legal representation today we 'll be left with no recourse other then to report your noncompliance in this issue to the proper jurisdiction. Our office number is XXXX XXXX ) XXXX Please reference file number????. Thanks, we look forward your prompt response.
Product: Credit reporting or other personal consumer reports

Due negligence of Credit Bureaus. block this data from my credit report, pursuant to section 605B of Fair Credit Reporting Act and send the necessary warning to all furnishers of this data. 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 XXXXXXXX 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 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 XXXX XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX : I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 

The following inquiry was not authorized and should not be reporting : 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  Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please forward me an updated credit report after you have completed your Investigation and corrections. I have sent numerous prior requests to your organization asking you to check into the validity of inquiries that I believe are incorrectly reporting with you and asked that you remove them from my credit report. Enclosed is a copy of my Identity Theft Report supporting my position. The Notice also specifies your responsibilities when you receive notice from a CRA, under section 605B of the Fair Credit Reporting Act, that information you provided to the CRA may be the result of identity theft. Your cooperation and prompt attention are greatly appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I feel that these accounts are adversely affecting my credit report and costing me XXXX of dollars in interest every year. This is not a regular dispute I have file a complaint with the federal trade commission and the XXXX XXXX XXXX because to my knowledge I do not recall any these accounts. 
I need this problem fix ASAP. I should not have to wait another 50 days to receive no response because clearly you guys dont appear to care. I demand these accounts are deleted immediately or I will file for ligation due to the stress you caused me. Section 611 ( a ), it plainly stated that a failure to investigate these items within 30 days give a reason to immediately remove those item from my credit report it has been over 50 days so they should be deleted promptly
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and 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 the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which 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 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Money transfer, virtual currency, or money service

Xoom.com would not send my money to friend without me sending them my bank statement and a copy of my license. This would be normal, however they wanted it through unsecure email. Also, I was using my XXXX account ( already verified with XXXX ) to send the money so it raised all kinds of flags as their website says Xoom, a XXXX XXXX.
Product: Credit reporting or other personal consumer reports

THIS ACCOUNT IS REPORTING NEGATIVELY AS A REPOSSESION ON MY CREDIT REPORT DESPITE NOT HAVING ANY HISTORICAL DATA AT ALL. THIS IS CLEARLY INACCURATE REPORTING.
Product: Credit reporting or other personal consumer reports

I disagree with these accounts listed below which still appears on my credit report even after your investigation, reinvestigation and further investigation. The credit limits are inaccurate for all 3 accounts Please provide the source of your information and verification. Your company has continued to report these inaccuracies. This is My LAST and FINAL attempt before pursuing legal remedies against your company. If you can not produce this information I DEMAND YOU DELETE THESE ACCOUNTS IMMEDIATELY. Your neglect in properly handling the verification is a violation of my consumer rights. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My information on my report are all reporting inaccurately and I have sent over a letter already stating that my information be updated in XXXX. I sent over a second letter in attempt to get this fixed and taken care of as well. 

XXXX shows improper dates that it was opened. XXXX is reporting XX/XX/2017 while XXXX XXXX Equifax show XX/XX/2017. The amount of the high credit limit shows inaccurately as well and the comments on Equifax shows inaccurate as well. 

XXXX shows 2 different account numbers and all 3 bureau 's are reporting inaccurate information. These accounts do not belong to me at all.
Product: Credit card or prepaid card

Card Issuer : Bank of America Credit Card, XXXX XXXX  : Unapproved merchant declaration of charges. Fees were not reimbursed. 

The point when charged were constructed I was in ownership about card. 

Another Witness : Any voicemail demonstrating all transactions associated with it. 

Suspect fraudulently utilizing my card : XXXX XXXX  I have not utilized alternately authorized whatever one to utilize my charge card//credit card. Attachments : Copies of company policies and procedures. Bank record copies. Act-related copies of invoices. Exactly voicemail speaking to every one related transactions. Record audits to determine the amount of loss. 

Discrepancies also surprising transactions on invoice. 

The vendor 's expressions alternately regulate activities about starting with the following impacts of the individuals ' condition. 

Listed persons are in custody and control of the originals.