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

On XX/XX/2019 I paid my XXXX XXXX balance as I always do pay my credit cards on time. I used a company check from XXXX and my accountant said I needed to start using my personal account to pay my credit cards. I called XXXX XXXX in XXXX XXXX and cancelled the ACH. I then tried to make a payment with my XXXX checking account. I didnt have XXXX signed up so XXXX  XXXX informed me that they would send two small deposits and I would verify them and then I could make my payment. 2 days later I paid my balance with my personal ACH. XXXX  XXXX XXXX  did not cancel my XXXX ACH and also cashed my XXXX ACH each ACH was credited to my account about XXXX I believe. I only had a XXXX dollar limit. I asked them why they didnt cancel my first XXXX payment and why they would double my payment and they had no reasonable explanation. I then contacted XXXX and cancelled the second ACH because XXXX looks after Veterans. XXXX  XXXX the cancelled my Account and blocked me out of the Online account. I made my payments on time with XXXX XXXX for about 2 years. Never late! XXXX XXXX reported a charge off in XXXX after I made my XXXX payment. Then after disputing with Experian they removed it and now it keeps returning and Experian will not reopen this dispute. I will download all the documents. This has cost me major problems with my other credit Bank XXXX XXXX. I applied for an Auto loan through navigator the XXXX XXXX XXXX XXXX  platform and was approved for XXXX and then my score dropped 80 points again because of this same problems. I have never been late in any credit card or loan ever and I still suffer for Experians bad attention to the facts.
Product: Checking or savings account

Citizens bank manager XXXX called me XX/XX/2023 asking me to come into the store and sign my signature. I have never heard of this and got confused as to why I had to go out of my way to do this. She insisted she had a gift for me in the store and I should come. I still did not understand why because I opened this account over a month ago and signed everything in the store. She then told me that it did not take my electronic signature I do not believe that because my account was opened same day and I went in person. How could it have not taken my signature. Im confused why they are harassing me to do anything that I dont have to. I am the real person and I use my account everyday. Ive never committed fraud so Im confused why they are bothering me. I called her back and told her I would not be coming to sign any papers but I would come to close the account when I can. She accused me of yelling which I did not. Just because XXXX women are assertive does not mean theyre yelling. She said she got scared speaking to me and now I do not wish to go into the bank. I dont have to go sign anything. How about citizens bank stop picking on XXXX people. How about they leave XXXX people alone in XXXX. She threaten to freeze my account for no reason at all. Ive done nothing wrong. I do not need to go out of my way to sign anything with them. When I called them and told them I wanted to close my account she opened my account without my permission and said well you only have XXXX cents and Im also confused what that has to do with anything. Her behavior is disgusting and intolerable.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year> XXXX Bank XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit reporting act XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C. 1681 section A states I have the right to privacy.

15 U.S.C 1681 Section 604 A section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

I am seeking resolution regarding inaccuracies in my credit score, which have persisted for several years. Both TransUnion and XXXX report differing incorrect information on my credit report. I have requested corrections from both companies repeatedly between XXXX and XXXX ; however, no action has been taken to resolve these discrepancies. 

Despite my multiple phone calls and efforts to address this issue, the outdated information remains on my report, detrimentally affecting my credit standing. It is essential that these inaccuracies are rectified promptly to ensure my credit report accurately reflects my financial history.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting an account on all XXXX credit bureaus that is not mine. I have requested for years they provide/send me an original signature of mine on their contract to verify its my account, but they have been unable verify the account is mine, so by law they must remove the account immediately. They then proceeded to report to the IRS a charge-off notice for {$30000.00}, causing me even further damage, that is completely inaccurate. I have sent them years of letters, as well as to all XXXX credit bureaus requesting they delete the account. They refuse to provide any original contract to prove its my account, and refuse to remove it from the credit bureaus, which is illegal. They have seriously damaged my credit and now will cost me a lot of attorney fees to clean up their mess with the IRS. Please make them remove the bogus account.
Product: Mortgage

I have been denied access to utilizing the Interests and Equity for this account.Despite all efforts contacting the XXXX, XXXX XXXX, and company Counsel.They have operated in dishonor according to law, and I have been left to feel like a child and not an adult.
Product: Credit card or prepaid card

XXXX XXXX XXXX XXXX XXXX XXXX Dear Service Representative : In early XXXX, we received an email that Bluebird decided to close our accounts. It specifically mentioned a {$500.00} refund from XXXX and that the balance in our account will be sent to us. We have not received any money, including the {$500.00} from XXXX. It has been more than two months. 

Bluebird suspended access to our account, locking us out of the record keeping. In addition, customer service rep XXXX on XXXX at XXXX CST said he could not access the records either, but he could see our account was suspended and to contact Bluebird via snail mail. There was no email or phone option. Hence this letter. 

Please send us {$500.00} each plus whatever residual was left in our account. You can verify the XXXX transaction directly with XXXX loss prevention at XXXX ( XXXX ) XXXX as properly processed on their end. In addition, Serve acknowledged receipt of the funds via email to us. 

As it stands, we believe Serve is in violation of banking laws and is illegally withholding {$500.00} each plus residual balance in our accounts. In addition, they are denying us access to our records to file legal claims. 

In addition, Bluebird believes we violated the terms of the Bluebird agreement. No such reason was ever given of what this was nor was XXXX able to provide anything. This seems be to a pretext to illegally withhold our funds.

Please send us two checks immediately.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to XXXX U.S.C XXXX and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under XXXX U.S.C. XXXX when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : INQUIRY : XXXX XXXX XXXX XXXX XXXX As required by XXXX U.S.C XXXX, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint dedicated to TransUnion regards their insincere measure actions not responding past 90 days. The data reported about me is erroneous because this is not my account. 

The XXXX XXXX, with the account number beginning with XXXX is entirely inaccurate and incomplete, and represents a very serious error in your reporting Therefore, requested disputes but after the past 90 days no response and no action at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to file a complaint regarding TransUnion 's verification process for the disputes on my credit file. I am a consumer who has been taking steps to improve my credit score, and I have made a number of disputes with TransUnion regarding inaccuracies on my credit report. 

Unfortunately, I have found that TransUnion 's verification process has been inconsistent and unreliable. Despite providing documentation and evidence to support my disputes, TransUnion has verified the inaccurate information on my credit report time and time again. 

This has had a serious negative impact on my credit score, as well as my ability to obtain credit and personal guarantee my business. I believe that TransUnion 's verification process is not in line with Metro 2 base standards, and I have concerns about the accuracy and reliability of their credit reporting practices. 

I would like the Consumer Financial Protection Bureau ( CFPB ) to investigate this matter and ensure that TransUnion is held accountable for complying with the Metro 2 base standards. I also request that any inaccuracies on my credit report be thoroughly investigated and corrected in a timely manner. 

Thank you for your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX A XXXX this isn't any influence and this is not a third party. XXXX 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 719XXXX has me at a score around 590. That is a huge difference. XXXX 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 XXXX  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 XXXX. 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 XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Credit reporting or other personal consumer reports

My account with ( XXXX XXXX, XXXX XXXX ) was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


( XXXX XXXX, XXXX XXXX ) Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts were never late I have sent 4 letters without a response XXXXXXXX XXXX XXXX Negative Negative Negative open, installment, collection, past due, assigned to attorney, collection agency, or XXXX XXXX XXXX XXXX XXXX XXXX seriously past due XXXX XXXX XXXX Negative Negative Negative Was 30 days late 3 time ( s ). Was 60 days late 2 time ( s )., revolving,30 days late,60 days late XXXX XXXX XXXX Negative Negative Negative Was 30 days late 1 time ( s ). Was 60 days late 1 time ( s )., XXXXevolving,30 days late,60 days late, delinquent, past due XXXX XXXX XXXX XXXX Negative Negative Negative Was 30 days late 1 time ( s ). Was 60 days late 1 time ( s ). Was 90 days late 3 time ( s )., revolving, settled,30 days late,60 days late,90 days late XXXX XXXX XXXX Negative Negative Negative Was 30 days late 1 time ( s )., Was 30 days late 3 time ( s )., revolving,30 days late Please remove the accounts from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX acct no.XXXXxxxxx and XXXX  XXXX acct no XXXX are closed accounts with XXXX  balance. Proof is attached of XXXX  's refusal to investigate, yet the proof shows the accounts are open and XXXX  also shows XXXX XXXX has a balance.There is no proof available to show the accounts are closed and paid to zero. 
The transactions closing and paying them to zero were conducted over the phone with a debit bankcard. 
XXXX claims this is a " duplicative dispute '', When has XXXX  ever investigated that the accounts were closed not open as experian depicts.And that the balances are XXXX  on closed accounts ... when has XXXX ever investigated that fact? 

XXXX  is merely calling it duplicative and frivolous under the FCRA because it is not profitable for XXXX  to do any dispute ever and they will try to get out of doing disputes
Product: Credit reporting or other personal consumer reports

Hard inquiries reported and bankruptcy reported on my credit report I did not authorize. Fraudulent activity XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Payday loan, title loan, or personal loan

I received a loan from amriloan online for XXXX and the payments where so high i could not make them so they garnished my wages. I have payed almost XXXX from my paycheck garnishment and they say i still owe XXXX plus interest my work said hands are tied. I have lost everything. Its a scam company. THEY WONT SEND ME A COPY of any payments so i get the information from my job. I only make XXXX a week. 
http : //www.ameriloan.net/ameriloan
Product: Checking or savings account

I opened a money market account at Truist bank for 34 days. However, when I went to the bank to close the account, the bank had only paid me 12 days of interest, and no one ever wanted to explain to me about the other 22 days of interest missing. I asked many times about this and if I have any options to avoid losing that interest money like for example keeping the money for another week to complete 30 days, etc., but the employee was in such a rush to close the account that practically just kicked me out of the bank. 
The reason I closed the account is because I discovered that the banker that opened my account lied to me. This banker promised a guaranteed 4.5 % APY for the whole year ( yes whole year even if this is a money market ), and when I started having doubts about guaranteed money market interest for one year, I contacted the bank again and I was confirmed that this person that promised the 4.5 % lied to me and it appears he told me this to make me open the account with him. 
I have a document that confirms there are no early closing fees, so I do not understand why the bank refused to pay the promised interest. Therefore, I went to the bank again for help and asked to escalate this problem to the corporate office who apparently " ran an investigation '' and the result of this " investigation '' was that nothing can be done and that I had signed a paper allowing the bank to not pay me that interest which is not true. I even requested a copy of this paper allegedly I signed but until this date I have not received it.
Product: Mortgage

I submitted a refinance application with Guild Mortgage who holds my current mortgage to lower my interest rate on XX/XX/XXXX. They made multiple errors in calculating my XXXX which I went over with the loan officer, XXXX XXXX, on XXXX. He agreed there were multiple errors and my XXXX was actually very low. I called him on or around XX/XX/XXXX because I has still not heard back and he told me I now had to submit XXXX tax return because we had gone into the new year even though it was too early in the year to have that return done. I complained to their corporate dept on or around XX/XX/XXXX. They officially rejected the loan XX/XX/XXXX based on these errors. I again complained about their decision as soon as I received their determination XX/XX/XXXX. I followed up multiple times with Guild, including communication with XXXX XXXX. I still have not been able to go over the loan errors with anyone and have them reverse their decision.
Product: Payday loan, title loan, or personal loan

I am a consumer who seeks or acquires goods or services for personal, family, or household use. I traded in my items ( property ) in exchange for a purchase money loan pursuant to 16 CFR 433.1 ( d ) at the designated location of XXXX XXXX XXXX, XXXX, TN XXXX. Your employees are charging me a " finance charge every month which is illegal pursuant to 15 USC 1605 ( a ) ; 12 CFR 1026.4 ( a ). The " finance charge '' in connection with any consumer credit transaction shall be determined as the sum of all charges, so why are you charging a finance charge every month when the finance charge is the sum of all charges? I never agreed to waived my rights pursuant to 15 USC 1693l, and 16 CFR 433.2! I want you to waive all charges and allow me the consumer to only pay the finance charge to get my items back before litigation. You can keep all the previous cash payments I submitted in the past which is illegal.
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am submitting this dispute because several fraudulent accounts and inaccurate information are being reported on my credit report. These accounts do not belong to me and are the result of identity theft. Despite repeated disputes with XXXX, Equifax, and XXXX, no meaningful investigation has been conducted, and the accounts remain on my report. 

The accounts I am disputing include : XXXX. XXXX XXXX XXXX XXXX XXXX ( Account # XXXX ) This account reflects a balance of {$1300.00} as of XX/XX/XXXX and a history of late payments, but it is not mine. 
XXXX XXXX XXXX XXXX XXXX Account # XXXX ) This account shows a balance of {$830.00} as of XX/XX/XXXX. It was closed at the credit grantors request, but I have no connection to this account. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX ) Multiple accounts from Credit XXXX XXXX  are being reported inaccurately. 
XXXX. XXXX XXXX Credit Card ( Account # XXXX ) This account shows a charge-off of {$5100.00} as of XX/XX/XXXX. I did not open or authorize this account. 
XXXX. XXXX XXXX XXXX Collection Account ( Account # XXXX ) This account reports a balance of {$2200.00} as of XX/XX/XXXX, tied to XXXX XXXX XXXX. I have no knowledge of this account or its origin. 
XXXX. XXXX XXXX Collection Account ( Account # XXXX ) This account reflects a balance of {$1000.00} as of XX/XX/XXXX, which is fraudulent. 

I have disputed these accounts with all three credit bureaus multiple times, but their investigations were incomplete or nonexistent. Each time, the disputes were closed without a proper resolution, and the accounts remain, damaging my credit profile. 

Fair Resolution : 1. Immediate Removal : All the above accounts should be removed from my credit report across all credit bureaus.

2. Correction of Credit Score : The removal of these accounts should positively reflect on my credit score, restoring it to an accurate state.

3. Written Confirmation : I request written confirmation from each credit bureau once these accounts are removed. 
4. Thorough Investigation : I urge the CFPB to oversee a proper investigation to ensure no other fraudulent accounts are associated with my identity. 

I have attached supporting documentation, including details of previous disputes and evidence of identity theft, to assist in resolving this matter. 

Thank you for your prompt attention to this issue. I trust that the CFPB will ensure a fair and thorough resolution. 

Sincerely, XXXX XXXX