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

I am formally writing this complaint in response to a recent notice of dispute I initiated with TRANSUNION. The notice of dispute was mailed and delivered to TRANSUNION on XXXX at XXXXXXXX XXXX. I received the updated version of my consumer disclosure report from TRANSUNION in late XXXX XXXX XXXX. Upon reviewing the updated report, I noticed that there is still inaccurate information still being reported in the accounts that were initially disputed. Specifically, with XXXX XXXX. TRANSUNION wiped the payment history clean and now the account is reporting no payment history. It is now an incomplete account in which I am requesting its removal from my credit report with TRANSUNION as a result. Others are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  which is an account reporting that I have been 120 days late three months in a row. I am also requesting its removal from my TRANSUNION credit report, and XXXX XXXX. According to the Fair Credit Reporting Act consumer reporting agencies must adopt reasonable procedures to ensure maximum possible accuracy to whom the report relates per 15 USC 1681e ( b ). This is unfair credit report seeing that TRANSUNION has verified inaccurate account information to be accurate. Per 15 USC 1681i ( 5 ) ( a ) ( 1 ) ( 2 ) ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. The inaccurate accounts are damaging my potential for better credit, my character, and reputation. I'm requesting that this situation is rectified promptly.
Product: Checking or savings account

Tied to open an account. Was advised that they were unable to verify my identity. When asked for specific answers and pote rial resolutions, they now state that they reserve the right to refuse account opening to anyone. Contact XXXX at the executive office,
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested for items to be investigated via mail and they have refused to perform the investigation. Please delete the items on the attached letter from my credit report.
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I recently obtained a copy of my credit report and noticed multiple discrepancies, including unauthorized inquiries and conflicting information on the same accounts across the credit bureaus. 

These discrepancies include differing account numbers, dates of last activity, last payment dates, balances, account statuses, and original balances. The listed accounts are as follows : XXXX XXXX XXXXXXXX Important dates Inquiry date XX/XX/2023 XXXX XXXX Important dates Inquiry date XX/XX/2023 XXXX XXXX MA Important dates Inquiry date XX/XX/2023 XXXX XXXX Important dates Inquiry date XX/XX/2023 I request that you provide me with complete documentation related to these accounts. This should include the original contract bearing my wet signature, full transaction history from the date of account opening to the present or closure, and any other documentation used to verify the accuracy of the accounts. 

I want to remind you of your obligations under 15 U.S. Code 1681e ( b ), which necessitates following reasonable procedures to assure the maximum accuracy of the information relating to the individual on the report. 

Furthermore, under 15 U.S. Code 1681i ( a ) ( 5 ), in the event of any disputed information being found inaccurate, incomplete, or unverifiable during any reinvestigation, the consumer reporting agency must promptly delete or modify that information and notify the furnisher about this alteration or deletion.

As such, I expect a thorough investigation into this matter. If you're unable to provide verifiable proof within 15 business days after your investigation, the disputed accounts and/or the listed information must be removed. 

Enclosed you will find copies of my ID and a utility bill for identity and address verification. 

Looking forward to your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act US Dept of Education Account # XXXX and 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: Money transfer, virtual currency, or money service

I received {$300.00} to my PayPal account and the app glitches and freezes when I try to transfer my money to my bank account. Never had this problem before today and Ive been trying all day to make this transfer- this is ridiculous! Saw on XXXX that you guys are putting peoples account on hold for 180 days and then I get a message from the chat that theres no transactions in the past 180 days??! Thats XXXX, I have consistently had monthly transactions each month. This better not be the case with mine - I tried to call or chat with customer service and the wait time is OVER 2 HOURS!! Definitely closing my account after I get my money back
Product: Checking or savings account

I have reached out to the company in regards to a fraudulent activity on my card and I have tried to resolve the matter with the company but the company refused to help me out with the claim. On XX/XX/XXXX I filed a claim with US Bank for unauthorized charges on my checking account. The previous claim number is # XXXX. After refusing to help me out, the company claimed the film from the ATM transactions matches the film in the previous authorized transactions. I have requested to see the film and the company denied. I have submitted a claim with CFPB in regards to this matter and the company still claims the films match. I want to state that first and foremost, the company does not even have the amount right and I have tried to report it properly multiple times but the company seems to be unable to process the claim properly. The amount is not {$1500.00} but it is actually {$1900.00}. There were three {$500.00} dollar transactions and one {$400.00} dollar transaction. Also, the company does not have any image of me therefore they can not claim the transactions were authorized. I would love to put the film side by side with my picture and my picture ID or passport and also with my transactions that I have conducted and compare them side by side. The company refuses to provide a copy of those films and also refuses to properly compare the films with my image.
Product: Credit reporting

Address XXXX XXXX XXXX XXXX nj is not mine never was on Equifax file I want it off please thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

See attached document for full complaint. I demand that you do a proper investigation for you willful noncompliance of inaccurate reporting to credit reporting bureaus. I have also sent a copy via certified mail with tracking number XXXX. Do not mark this as frivolous. Any information received from you will be collected as evidence for XXXX XXXX against you. This is a request for information only, and is not a statement, election, or waiver of status.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX 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 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, credit repair services, or other personal consumer reports

On XXXX XXXX, 2019, XXXX XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XXXX XXXX, 2019, XXXX XXXX XXXX  add a hard inquiry on my credit report per XXXX. 
On XXXX XXXX, 2019, TD AUTO FINANCE add a hard inquiry on my credit report per XXXX.
Product: Checking or savings account

I have waited since thrusday for my direct deposit, Ive called multiple times to ask about any update and they have yet to give me a defined answer. They keep saying people are slowly getting them but I am going on day XXXX. I have multiple bills to pay, things to buy such as food and home necessities. I am trying to be patient but its difficult when I keep getting emails of late fees regarding my bills.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX are reporting incorrectly that I am ( 120 ) days late on the XXXX XXXX partial account number XXXX. ( Please see pages attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account with a {$0.00} balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 2 ) bureaus to remove this however, I have not been successful.
Product: Credit card or prepaid card

On XX/XX/2022 I received a call from XXXX. When I answered, no one spoke so I hung up. After doing some research, I discovered that the call was from Synchrony Bank -- the bank connected to my Amazon XXXX credit card. I became suspicious about this call as I previously had a problem with Amazon 's method of security ( complaint # XXXX at FTC ) and decided to check on my Amazon credit card connected to this bank. When I checked, I discovered that Synchrony Bank had placed an incorrect balance of {$240.00} on my account. I requested " chat '' and tried to explain what was happening. The " chat '' could not understand what I was trying to say and contacted a Synchrony Representative by chat to no avail. I then called Synchrony and spoke to representative XXXX. XXXX understood my concern and forwarded me to a " higher up '' representative, XXXX. I explained my concern to XXXX who told me that the reason that my balance was {$240.00} was because Synchrony did not recognize the bank that I made payments from and because of this, late fees were charged. I don't understand " why '' Synchrony did not recognized XXXX  XXXX XXXX as during the month of XXXX, I made a payment of {$30.00} through XXXX  XXXX XXXX. This seems like an excuse to return the payment " as unrecognizable bank '' and then charge the customer a late fee. I then explained to her that I have been making my credit card payments on time since XXXX and had my paper statements in front of me to prove it. I then clarified to XXXX the exact due dates for my credit card payments in the months of XXXX and XXXX along with the exact payment dates made -- both payments were made on time. XXXX 's payment was made on XX/XX/XXXX, although the payment was not due until the XXXX. XXXX 's payment was made on the XXXX although it was due on the XXXX. Each payment posted. After explaining this, XXXX immediately hung up without explanation. 
The balance on my account for XXXX was XXXX. I made a payment through XXXX  XXXX XXXX 's bill pay for {$30.00}. I made more purchases after this payment was made totaling {$88.00}. The balance for XXXX was XXXX. I then made a payment on through their online system in the amount of {$29.00}. After this payment was made, I then made two more purchases in the amount of {$86.00}. My balance should be approximately {$180.00}. But due to their calculated " late fees '' it has increased my balance to a significant amount of {$240.00} which is very incorrect, and they refuse to correct this information on my Amazon/Synchrony account. I also have another account with Synchrony Bank through another credit card and have never had a problem. But with Amazon, if I may be truthful, it seems like there are a bunch of scammers in charge of customer accounts. They are constantly tampering with my account.
Product: Credit reporting

Equifax decided to penalize me by taking XXXX points off of my credit score because I used 23 % of my available credit which is {$110.00} ( {$500.00} is my credit ) .They basically marked it as a huge no no and compared with previous zero % usage and thus decided I was a very bad girl. No, I was n't late with payment. No, it was n't a carry over amount from previous cycle. What 's the point in having a credit card if you get penalized for using 23 % of the total available amount. So much about XXXX shopping for me ... now I 'm at the point where I do n't even wan na use the card. While I was using it as recommended my credit score did n't move in months but stayed the same. There was times when I had more spent but I never lost XXXX points. Like I said, I did n't do absolutely nothing for this to happen. This needs to be rectified asap.
Product: Checking or savings account

I been waiting for a resolution of a dispute or claim for months and months. I reported the issue in the right way but the bank employee got the wrong information. 
Finally last week I received the credit for months and months but even that, the bank did not refunded all the overdraft fees and also I was charged a extended overdraft fee that havent been refunded. 
I also requested the closure of my business account and the account still open.
Product: Payday loan, title loan, or personal loan

RE : XXXX XXXX XXXX. XXXX  XXXX XXXX, AZ XXXX Phone : ( XXXX ) XXXX Website : XXXX XXXX XXXX Original Loan Total That I was Misled on Would Total {$18000.00} Because of Intrest and a 70 Month Term Payment. 

Payments Made XX/XX/2018 {$600.00} XX/XX/2018 {$430.00} XX/XX/2018 {$200.00} XX/XX/2018 {$340.00} XX/XX/2018 {$250.00} XX/XX/2018 {$210.00} Transaction Date : XX/XX/2018 Amount Paid : XXXX Payment Method : Credit Card {$13000.00} charged off against my credit score XX/XX/2018 No record of payment. Not willing to disburse new payment program or loan details. Unauthorized GPS placed on my vehicle. Refusal to off access to online account. Incorrect reporting on XXXX  Credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a XXXX  mother and was trying to purchase my first home to provide security for me and my child, & it wasn't until I started the application process only to realize all the fraudulent accounts on my credit report! Due to this, I've had to let go of what WAS my dream home for me and my child, now I'm stuck renting until you guys remove these fraudulent accounts!
Product: Debt collection

Capital One auto finance has contacted me regarding a vehicle loan that I am no longer financially responsible for per court order ( divorce decree ). I have a divorce decree stating that I am no longer financially responsible for the vehicle. I have advised the Capital One rep by contacting Capital One by phone back in XX/XX/2023. They told me that my court order is null and void as they will not remove me from the loan unless the primary owner refinances the loan. Since then, the primary owner has now defaulted on the loan and Capital One is still contacting me via phone and email requesting payment. Each time I speak with them I'm told he has to refinance in order to remove me from the loan regardless of the divorce decree signed by the judge.
Product: Mortgage

We were in Forbearance due to Hurricane Laura destroying our home. The insurance company paid off the mortgage. We were preapproved for a new mortgage in XXXX with our credit scores a little over 700. We found a house and mortgage company ran our credit again. Loancare reported us as 90 days past due. We have tried numerous times to get this corrected following loancares procedures. Unfortunately we get the same response every time and nothing happens. We are set to close on our new house XXXX and after 1 hour and 53 minutes on the phone again today I was told our request was escalated and we would have an answer by Friday. I cant even count the number of times we have been told that and nothing has been done. Please help. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my report and contacting these companies they are stating I do not have a file/account with them at all. Unsure to why inquiries are on my report. 

XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX File number XXXX XXXX number-Equifax XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove the following account from my credit report due to the agreement that I had with the creditor that once paid it would be deleted. The account is XXXX XXXX. I have already informed the credit bureaus that this account was supposed to be removed in XXXX. This is my final request before I report this issue to the XXXX  and possibly seek legal action.
Product: Credit card or prepaid card

I am 19 years : and applied for a XXXX XXXX and was denied credit on XX/XX/2021. I spoke to an operator named XXXX operator Id number XXXX. I gave my father permission to speak to XXXX who explained that I am a full time college student and works part time at XXXX XXXX. I would like to know how someone can build credit if I keep getting denied. They said they based there decision on too few accounts, average length of time, and lists of comparable lines of credit lines. He called back and spoke to XXXX who refused to provide her last name or her company ID number. He then called the corporate and spoke to a Selene at extension XXXX and was provided a case number XXXX. He advised the they are violating the Equal Opportunity Credit Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an authorized user account being reported on my credit report that is not accurate. I am not an authorized user on the following account : Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; Balance Due {$350.00}.
Product: Credit reporting

EQUIFAX insist on reporting Public Record on credit files. FAIR CREDIT REPORTING AGENCY STATED THAT THIS PUBLIC RECORD WAS TO BE REMOVED IN XX/XX/2016. CONTINUED TO DISPUTE HARD INQUIRIES. LETTERS SENT TO CREDITOR STATING I DID NOT AUTHORIZE CREDITORS TO INQUIRE INTO MY CREDIT.
Product: Credit reporting, credit repair services, or other personal consumer reports

Months ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

On XX/XX/2018 {$1400.00} was taken out of my XXXX XXXX account using my card info at a XXXX machine in XXXX, Ca, over the course of 6 transactions, which I did not authorize and I had the card itself in my  possession the whole time. I submitted my claim to XXXX XXXX and they denied it basically blaming me for the theft, that I gave someone my card and the pin # to someone. I have never even been to XXXX as far as I can remember and gave no one any authorization. I sent them the police report That I filed with the XXXX, Ca police department a copy of my card and a claim form they asked for and they denied my claim based on the fact that I must have given the Thieves my card info. I sent in a 2nd appeal letter in on XX/XX/XXXX to the compliance department on XX/XX/2018. I called back during the week of XX/XX/XXXX - XX/XX/2018 and was told they had no information on my request yet. Yesterday XX/XX/XXXX I called again and was told They never received my appeal letter so this Time I was told I should have never sent it by mail, which I was told by them to do so on XX/XX/2018, so I faxed it in Yesterday XX/XX/2018. Please see all my supporting documentation which I have attached. I would appreciate your help in resolving this matter with XXXX XXXX, the detective at XXXX Pd said They use skimmers and cameras to get info and pin # and that 2 Years ago they found a skimmer and a pinhole camera at that same location, found Dna on the skimmer and were able to catch the culprit. XXXX XXXX are the ones that recommend using the atm '' s located in the XXXX XXXX. XXXX Pd say that their is a crime ring that likes to use those Atm '' s because they have no cameras and that the skimmers are almost undetectable and that the owners of the store '' s really do not pay attention to them because they are not Theirs. I have relayed all this info in my appeal to XXXX XXXX ( attached ). I did nothing wrong and for XXXX XXXX  to blame me for the theft is outrageous. Thanks for your help.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful nonc
ompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. 
"