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

On XX/XX/2023 submitted dispute with copy of my state issued drivers license to have my address corrected with the following credit reporting agencies XXXX and Equifax for correction to fix my address ; they chose not to not make the correction but not sure what creditor reported the address because my address single family home but the address on my credit report file states apartment number ( will not remove the apartment number ) never been associated with my addresss.
Product: Checking or savings account

I recently opened a checking account with Citi bank around XX/XX/XXXX I was XXXX XXXX  through XXXX {$300.00} by my cousin XXXX XXXX ( his business ) Also I accidentally wrote a check to myself ( I never wrote a check before ) they closed my account and now are holding my funds ) they kept telling me XX/XX/XXXX hours your account will be ready and after a week then did this. Im reading a lot of reviews they do this to a lot of people. Also I got an email that asked was the XXXX meant to be sent and I said yes. They sent me to a page that said it is ready to go! Now apparently its closed
Product: Credit reporting or other personal consumer reports

I did not consent to, authorize, nor benefit from any of the following inquires I want them blocked & removed immediately XXXX XXXX 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 XXXX XXXX XXXX XXXX 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: Consumer Loan

I opened a loan with CNAC AKA JD BYRIDER in XXXX IA XXXX XXXX, 2012. On multiple occasions CNAC charged a card that I did not authorize to be saved and without my consent. I filed a complaint with the card issuer and the funds were reversed. However my former wife and I then became divorced. As we were going thru separation they began to call her and probe into our personal matters. Between the fraud and over extension of their rights, and empty threats I decided to take the loss and allow them to repossess the car. Now years later I have cleaned up my credit tremendously. However, CNAC continues to report untruthful information to the credit report agencies regarding the length of the loan, the balance due, and the overall terms. Every time I ask for a copy of the contract they tell me that they do not have to provide it because they believe my dispute is " frivolous ''. I simply want a copy of my original contract so that I can 1. Properly dispute the account. 2. Possibly begin legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

PLEASE DO NOT CANCEL THIS COMPLAINT, AS A DUPLICATE. 
BECAUSE IT IS NOT A DUPLICATE COMPLAINT. 

This is MY RESPONSE COMPLAINT regarding " CFPB '' Complaint Case # XXXX that SELF LENDER has responded to. 

PLEASE DO NOT CANCEL THIS COMPLAINT .... 

I have Submitted a Brand New Letter Request and 2nd Request for Self Lender. 

This Complaint is my response to SELF LENDER 's Response. 

15 U.S. Code 1681a - Definitions ; rules of construction ( d ) Consumer Report. 
( 2 ) Exclusions. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( A ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION ( 1 ) PROHIBITION ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate. 

SELF LENDER IS willfully reporting Incorrect Information on my Consumer Report.
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. 

Convergent Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have 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. 

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 XXXX 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: Mortgage

XXXX XXXX XXXX XXXX Misapplied my PRINCIPAL Payment to Interest. The Payment was labeled on the check and the Invoice as Principal, but it was applied to Interest. I contacted the bank, but they ask to leave a message ( 4 ) but no one ever returns my call. I filled a complaint with the XXXX XXXX CASE # : XXXX, but the complaint was ignored XX/XX/XXXX Reminder of Dispute to Business XX/XX/XXXX Consumer - Have You Heard From the Company XX/XX/XXXX No response to first notice to business XX/XX/XXXX Notify Business of Dispute
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchased a XXXX XXXX XXXX in XXXX. Unfortunately it was totalled. The loan was interest only which I did not understand at the time of signing. The lender was XXXX which has recently lost a lawsuit for engaging in fraudulent lending practices and I was named in the class action. I have repeatedly tried to get XXXX to correct i formation on my credit report that is inaccurate until the lawsuit ramifications are resolved for the consumers hurt. I have made 3 disputes and get the same response that it is accurate. My credit report says {$14000.00} was charged off with a balance due of {$5200.00}. I paid {$14000.00} for the vehicle. I called XXXX and the rep XXXX XXXX said it was charged off before they got the payment of {$10000.00} from my insurance company. I asked her why did they not reduce the charge off amount to reflect ins payment. She said she does not know. Also she said there is no one I can talk to at XXXX regarding this
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, Upon reviewing my credit report, I found discrepancies on my XXXX  XXXX Account ending in XXXX, Opened XX/XX/XXXX, Credit Limit of {$350.00}. The report states that late payments were made in the following months : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. The information is inaccurate. Payments were made on the following dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX. My bank reflect payments made to XXXX XXXX for the account in question. I have the banking statements to back up my claim. These late payments in question, should be reported deleted as they have been reported incorrectly. I have reached out to the company, XXXX XXXX, and all 3 credit bureaus, Experian, XXXX and XXXX.The discrepancies were disputed several times over the last few months and the documentation was uploaded and mail into the Bureaus. It would seem that my compliant has fallen on death ears. This is why I have decided to reach out to you for assistance. Attached is the bank statements with payments to XXXX XXXX. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I received a notification from XXXX XXXX congratulating me on my recent vehicle purchase and noticed an inquiry from a XXXX XXXX  on XX/XX/year> that I did not make. I have not had any communication with this company since my last car search almost two years ago.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has been non-compliant with removing the unverified account FRANKLIN COLLECTION SVCS INC XXXX which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that FRANKLIN COLLECTION SVCS INC was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
Product: Checking or savings account

On XX/XX/XXXX I was reached out to by what I thought was an online job opportunity. I was sent two mobile checks to my email and instructed to send money to a XXXX account for start up fees and work equipment. It seemed weird, but Id never had an online job before and was unaware of the associated processes. Luckily, the bank held a majority of the deposit, two checks, one for XXXX and the other for XXXX. I was to send XXXX to XXXX XXXX in XXXX. I contacted the bank while the transaction was still showing as pending on my account, and requested the money back on XXXX, but it was denied. The bank disputed the charge, but ultimately decided I was at fault. They did a credit reversal and now my account is negative. By their protocols, I have 41 days to pay or my account will be closed. Upon calling and asking for information about my next steps, I was told Id have to wait five days because the system isnt showing my information on the reversal or my options. But those five days count toward the total 41. There is also not a repayment plan for deposit accounts. But I dont have the money to pay all at once, especially since I didnt have that money to begin with. Ive called repeatedly since this happened and have never been given clear information about my options or next steps. The transaction was reversed XX/XX/XXXX, yesterday and I called this morning. There is nothing showing in the system that gives any information on what I can do. My account was also placed in credits only status where I can only use certified funds as a deposit. So Ill have to pay extra when this is all over with. I just want to be able to either have it reversed because I believe that the decision is wrong. The transaction was pending when I disputed. Or at least be able to regularly deposit funds without have to physically mail money or pay wire fees. I am not trying to get out of paying If it is deemed Im at fault. I do not agree with that decision, however, I just want to be able to pay without a time constraint and extra fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

My bank account was closed on XX/XX/2021 by the bank. They reported it to ChexSystems that there is an outstanding balance of {$440.00}. And reported it as Account Abuse THIS IS INCORRECT!! 
<< My last 2 bank statements at time of closure indicate no balance. 
( {$0.00} balance owed ) >> There has been no documentation that has been presented that shows a balance of - {$440.00}. 

** I DEMAND UNDER FEDERAL LAW THAT CHEXSYSTEMS PROVIDE ME DOCUMENTATION FROM XX/XX/ 2021 -XXXX 2021 ( SAME MONTH OF ACCOUNT CLOSURE ) THAT VERIFIES A BALANCE OF - {$440.00} IS OWED ( THE REPORTED CLAIM TO CHEXSYSTEMS XXXX PLEASE PROVIDE THE FOLLOWING : 1 ). My Bank Account Statement from XXXX 2021 to XX/XX/XXXX  2021 that shows and confirms the balance - {$440.00} that was reported to chexSystem. 

WITHOUT THIS BANK ACCOUNT STATEMENT FROM XXXX 2021- XX/XX/2021 SHOWING THE BALANCE OF - {$440.00} THE AMOUNT THAT WAS REPORTED TO CHEXSYSTEMS THEN THIS CLAIM OF - {$440.00} CAN NOT BE VERIFIED AND NEEDS TO BE REMOVED FROM CHEXSYSTEMS XXXX 

FEDERAL LAW INDICATES THAT THE INFORMATION THAT HAS BEEN REPORTED TO CHEXSYSTEMS MUST BE VERIFIED. 
ALL TRANSACTIONS AND BALANCES ARE DOCUMENTED ON THE CUSTOMERS BANK ACCOUNT STATEMENT THEY RECEIVE EVERY MONTH. 
THE ACCOUNT WAS CLOSED XX/XX/2021 SO TO VERIFY ANY BALANCE OWED WE NEED TO VERIFY THE BANK STATEMENT FOR THIS MONTH. IF CHEXSYSTEMS CAN NOT VERIFY THIS BY BANK STATEMENT FOR THIS MONTH ( XXXX 2021 - XXXX 2021 ) THEN THIS CLAIM IS UNVERIFIED AND NEEDS TO BE REMOVED.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that TransUnion will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate : account name : XXXX XXXX account number : XXXX
Product: Credit card or prepaid card

I had a balance of {$3400.00} that was due on XX/XX/XXXX. I paid the entire balance of {$3400.00} on XX/XX/XXXX. Recd a bill today ( XX/XX/XXXX ) for {$33.00}, spoke to XXXX at Capital 1, who stated they charged me interest, even thou it was paid before the due date. Which I paid on the phone today with her a now total of {$33.00}? so they are charging me interest on interest? my balance was paid in full on XX/XX/XXXX? and she said I would get another bill on XX/XX/XXXX, there shouldn't be a balance? So I closed my account and paid it in full on XXXX XXXX, XXXX How can they still charge me interest? and it still accruing? I think they are over charging on the interest, when the account has been closed and no balance?
Product: Credit reporting, credit repair services, or other personal consumer reports

The reason for my dispute is that there are multiple discrepancies still showing even afterfiling my ID theft report. Remove the following immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX The information listed above is not only inaccurate and incorrect but also obtained without my knowledge, consent, or permission. PLEASE ADD A SECURITY FREEZE AND SEND ME A PIN NUMBER.
Product: Credit reporting or other personal consumer reports

Experian. I have tried numerous times to submit a dispute with XXXX regarding my credit reporting problems. When I go to the dispute page and file a dispute that they are reporting my credit wrong, it is supposed to show what stage of process my dispute is on. Each time I go there to check it, it is gone. So this means that once I hit submit dispute, it is being erased. I don't know what is going on with Experian right now but I'm calling a lawyer tomorrow about this. I have had enough.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX wild XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Today 's Date XX/XX/XXXX DOB- XX/XX/XXXX SSN- XXXX ( FTC XXXX ) - XXXX Experian Dispute Department XXXX XXXX XXXX XXXX XXXX XXXX Subject XXXX Identity Theft Dispute under FCRA 605B To Whom It May Concern, I am writing to formally dispute fraudulent information on my credit report under the Fair Credit Reporting Act ( FCRA ) 605B, due to identity theft. Between the year XXXX very important documents that verified my immigration status were lost. Included in those documents were my XXXX XXXX, Social Security, Texas ID, and files that noted down any important detail about my life. It took me a very long time to replace most of those documents. I decided for the first time to create an account on these credit bureaus and have seen that there is a lot of false information attached to my credit profile. I truly believe these accounts were opened by a XXXX party who found my lost information but never turned them in. 

As an immigrant I was unaware of how easy it was for people to steal your identity. I am hoping for the best results regarding the following accounts below. 


The accounts listed below do not belong to me and were fraudulently opened using my personal information. 

I have attached a copy of my Identity Theft Report, as well as supporting documents, including a government-issued ID and proof of address. Pursuant to XXXX of the FCRA, I request that you immediately block the fraudulent information from my credit report and take the necessary steps to prevent it from being reinserted in the future. 


The fraudulent accounts in question are as follows : XXXX XXXX  XXXX ( Account # XXXX ) Date Opened : XX/XX/XXXX Current Balance : {$1000.00} XXXX XXXX XXXX ( Account # XXXX ) Date Opened : XX/XX/XXXX Current Balance : {$0.00} XXXX XXXX XXXX ( Account # XXXX ) Date Opened : XX/XX/XXXX Original Balance : {$4000.00} XXXX XXXXXXXX XXXX ( Account # XXXX ) Date Opened : XX/XX/XXXX Original Balance : {$2100.00} XXXX XXXX XXXX ( Account # XXXX ) Date Opened : XX/XX/XXXX Current Balance : {$6700.00} XXXX XXXX XXXX ( Account # XXXX ) Date Opened : XX/XX/XXXX Current Balance : {$2500.00} I demand that these accounts be blocked from my credit report immediately and that any and all inquiries related to these fraudulent accounts be removed as well. 

Under 605B ( c ) of the FCRA, you are required to block the fraudulent information within four business days of receipt of this valid identity theft report. Failure to comply will result in further legal action, including complaints filed with the Consumer Financial Protection Bureau ( CFPB ) and potential legal recourse. 

Please send me written confirmation that these accounts have been blocked and removed from my credit report within the required time frame. Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute the following information in my credit file due to being a victim of identity theft. 


These items ( inquiries ) from : XXXX  date XX/XX/year> XXXXXXXX XXXX date XXXXXXXX XXXX XXXX date XX/XX/year> XXXX ( personal loan accounts ) XXXX XXXX date XX/XX/year> amount {$49000.00} XXXXXXXX XXXX XXXX account # XXXX is inaccurate because I have not authorized nor consented these institutions to run a credit check on me or open new accounts. as well I am victim of identity theft, I am requesting that these items be removed. Per the FCRA 605 B 15 USC 1681c-2, If I didn't give authorization for these companies to run my credit or consent for these accounts it is the responsibility of the credit bureau to remove these inaccuracies from my credit file.
Product: Bank account or service

I opened a checking account as per the bank 's promotion offer in their website. 
After fulfilling the requirements, bank is not honoring the bonus saying the offer was n't applied correctly or it had expired when I used it. 

I actually have the copy of their promotional offer.
Product: Credit reporting, credit repair services, or other personal consumer reports

i Contacted SunTrust about a unauthorized inquiry on my credit report and unfortunately I was told SunTrust do not have a written consent with my signature in agreement to their invasion of my privacy. 
They also stated they had permissible purpose to do so through other unknown companies that supposedly have a consenting application for credit. 

However, Suntrust have fail to display the application with a signature or electronic signature or any form of consent to allow this inquiry. 

This company records do not provide the one document to be factually sound in their previous statements.
Product: Credit card or prepaid card

Wellsfargo Bank Consumer Bankrupcy Team is failing to report to all 3 credit bureau XXXX XXXX XXXX XXXX when my credit card account number XXXX endinging in XXXX for the credit card amount XXXX was discharge in Chapter XXXX Bankrupcy by the United States Bankrupcy Courts on XX/XX/2019 when they received the notice of the order of the Discharge notice showing that the credit card account number XXXX was paid off in Chapter XXXX Bankrupcy and Discharge by the Bankrupcy Courts. 
And reporting it as late payment and close account when is suppose to be noted as Paid and Discharge in Chapter XXXX Bankrupcy by the United States Bankrupcy Courts when they sent them the order of the Chapter XXXX Discharge notice showing that this credit card account was discharge in Chapter XXXX Bankrupcy and was Discharge on XX/XX/2019
Product: Credit reporting or other personal consumer reports

I discovered unauthorized inquiries on my credit report, which I just obtained in copy form. My chances of obtaining new credit have been harmed by this. I request that you take the following inquiries down right away. 
XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX CARD XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX FINANCIAL XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Debt collection

On XX/XX/2021 Transworld systems sent out a debt notification letter about an alleged debt. On that same day they also reported to the three major credit bureaus that the account was in collections which is in violation with the CFPA. The notification letter from Transworld systems was received on XX/XX/XXXX and a validation request letter was sent out via certified mail on XX/XX/XXXX and was received and picked up by Transworld systems on XX/XX/XXXX at XXXX XXXX, well within the 30 day window to request validation before action could have been legally taken.
Product: Bank account or service

Tried to access my checking account with Bank of America and was unable to do so. Went to the bank and was told account was frozen. No one was able to give an answer why. Went home and received a letter from the bank stating my accounts ( XXXX ) plus my daughter 's accounts were frozen and will be cancelled without an explaination. The letter was dated XXXX/XXXX/2015 and I received it on XXXX/XXXX/2015. Letter stated 'your personal checking/savings account ending in XXXX will be restricted in 7 days and closed 14 days from the date of this notice. Now we are talking XXXX and I can not access my account and there is only a XXXX # to call, which you can only get an automated voice telling you to leave your name, # and account # and they will get back intouch with you. Went to the bank and they can not help me because they can not see my accounts because its frozen. This is very unfair and the bank seems to forget they are dealing with people and not a number. The issue is both my checking and savings account.
Product: Checking or savings account

I was charged an overdraft fee for a transaction that the bank processed twice