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

Transunion is committing harm against me by claiming accounts have been verified yet they are still reporting inaccurately. The accounts for XXXX XXXX XXXX and XXXX XXXX XXXX are reporting as collection accounts that are open. An account can not be open in collections. TRANSUNION claims they verified these accounts so clearly they are lying and never investigated properly. Congress says these such accounts must be deleted immediately.
Product: Credit reporting or other personal consumer reports

I explained to the credit bureaus that these happened without my knowledge and these accounts were added fraudulently but they still remained thereafter blatantly violating my consumer rights. I filed an ftc affidavit and forwarded another affidavit to the accused parties which are XXXX, XXXX, and Experian due to be delivered at a later date. These are accounts I did not authorize or give consent to open or inquire upon my credit profile. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

These following inquiries on my credit file are unauthorized : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

In XX/XX/2017 I signed paperwork with TD Bank in XXXX, NJ for a {$15000.00} installment loan to consolidate and payoff my credit card debt. I signed up for autopay from my checking account which is with TD bank. The loan term was for 60 months and TD bank was to debit all XXXX payments automatically from my checking account. Just recently I went to apply for a auto loan and to my surprise and anger on my credit report there is a charge off for {$320.00} from TD bank. This dropped my credit scores well over a XXXX points. I contacted TD bank customer service and asked them why my last payment was not auto debited like my previous XXXX payments. They told me that the last payment was supposed to be paid manually by me. I looked at all my signed paperwork that is still with me and no where it is mentioned that the last payment was to be made manually nor was it disclosed by the bank agent when I signed all the paperwork at TD Bank in XXXX, NJ on XX/XX/2017. Both my checking account and installment account is paperless. I spoke to TD bank in the recovery department who was trying to collect a debt and he mentioned that on the intra bank authorization form is where it should indicate that last payment is made manually. I told him no where on my signed XXXX bank authorization form did is say this. He told me to contact the XXXX branch and ask them why they didn't auto debit my last payment and they would go about rectifying this huge mistake. I spoke to a assistant branch manager XXXX on the phone at the XXXX TD bank branch and she contacted the appropriate people who handle this and told me it was a clerical error and to give her XXXX to XXXX  days to get back to me. Today she told me that her supervisor said that TD bank mailed be letters after they didn't take the last payment and it is my fault. I told them I didn't receive any letters from TD Bank and to provide proof of delivery. I told her that my checking account is paperless and my installment loan payments were set up for autopay when I signed all the paperwork on XX/XX/2017. I have all the installment loan paperwork and there is no mention of the last payment being manually. I believe TD bank has violated some laws in the truth and lending disclosures.
Product: Credit reporting or other personal consumer reports

I have charge offs on my credit report which should not be posted as charge off accounts are considered as income., as well as not having received necessary 1099report from reporting party. Charge offs should be removed from all credit reporting agencies.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602a states - " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX  is a consumer reporting agency and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 The financial institution and the Consumer reporting agencies do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' I was never informed of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX is not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services. The following accounts are in violation of my consumer rights and shall be REMOVED IMMEDIATELY! Account : XXXX Account # : XXXX Account : XXXX Account # : XXXX Account : XXXX  Account # : XXXX Account : XXXX Account # XXXX XXXX Account : XXXX Account # : XXXX The following accounts are in violation of my consumer rights and shall be REMOVED IMMEDIATELY!
Product: Credit card or prepaid card

I opened a credit card because it had 0 % interest on purchases and balance transfers for the first 15 months. I planned to pay for all purchases before the interest came due. 
the first statement I received from Capital One confirmed the 0 % agreement expired on XX/XX/2020. 
I chose to pay my bill online using the Capital One app on my phone, the XX/XX/2020 was also the date given on the app as to when the interest rate would no longer be 0 %. I have always planned that by the XX/XX/2020 date the card balance would be XXXX  and that would have been the case. 
A few days ago I checked the app and noticed the 0 % interest rate expiration date had changed from XX/XX/2020 to XX/XX/2020. I was never notified of this change and called Capital One to question it. I explained about the 0 % expiration date on my statement and was told it was a miss print. I then asked them to explain the change of date on the app from XX/XX/2020 to XX/XX/2020. they couldn't explain it and denied I had seen the date as XX/XX/2020 ( even though when discussing our bills I had shown the date on the app to my wife ). 
At no point was I ever contacted by Capital One to notify me of any change of terms on my account and consider the statement on my original card statement to be a binding contract. I consider this date change to constitute a breach of contract
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX, Veterans United Home Loans pulled a hard inquiry on my credit report without my consent. I didn't complete the application on their website on XXXX because they don't provide soft inquiries on credit report for pre-screening but they still pulled a hard inquiry two days later without authorization.
Product: Vehicle loan or lease

American Honda Finance they are reporting inaccurate information to the credit bureaus and I want them to correct it. Last activity was XX/XX/2019 but they were reporting me past due thru XX/XX/2019. This is a joint account with my wife. We are in the process of closing on a home and because of this our credit score is being affected.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with XXXX XXXX XXXX XXXX. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX XXXX XXXX XXXX and they said their system automatically put me on paperless billing, which I did not request. I was awaiting letter in the mail all this time just to find out their system had an error. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, TransUnion and XXXX XXXX XXXX XXXX with no successful resolution. XXXX, XXXX, TransUnion only reporting me 30 days late. There was an error on their part. I was never 30 days late.
Product: Bank account or service

I am the victim of " XXXX Financial Abuse '' and I with this application through your Bureau attempting an approach to the XXXX, Wells Fargo Bank , NA, XXXX, TX, of my taken Trust Funds, also houses the account holder, that has possession of estimated amount of {$170000.00}, of our trust money. And want this bank, since it is the 1st party that accepted the deposit, bank to bank or wire transfer, to send it bank to our Trust Holder bank which is XXXX, XXXX, CA.
Product: Checking or savings account

I have direct deposit with Capital One I didn't get my paycheck. I have no money. Capital one isn't responding to any calls. I can't even access the system
Product: Debt collection

XX/XX/2018 I visited XXXX XXXX for a cardio check up due to XXXX XXXX. I have insurance through XXXX XXXX XXXX. Some tests were ran then I left an hour later. In the mail I received a letter asking me to pay {$3400.00}. Maybe it was more, but as of now I see that amount. I researched the collection agency and they arent authorized to conduct business in California where I am located. I have documents attached showing the states they are authorized to conduct business in. California isnt one of them.
Product: Debt collection

MY NAME IS XXXX XXXX. FIFTEEN + YEARS AGO I HAD A XXXX XXXX IN XXXX, FL. THIS IS NOT MY DEBT ANY LONGER AS IT WELL EXCEEDS THE 7-10 YRS THAT I THOUGHT A DEBT COULD BE COLLECTED. THEY KEEP CHANGING DATES I.E. DATE OPENED AND NOW HAVE IT IN XX/XX/2018 SAYING THIS WAS OPENED..NOT TRUE.  THEY KEEP SELLING IT TO OTHER COLLECTORS AND IT NEVER STOPS. I FILE CONTINUOUS CREDIT DISPUTES AND THEY DISAPPEAR FOR A WHILE THEN ARE BACK. THIS IS NOT FAIR AND COULD GO ON FOREVER BASED ON THEIR ACTIONS.
Product: Credit card

I, Consumer and XXXX attempted to do commerce with Wells Fargo Bank, as an application for credits and notes was submitted by me but was illegally denied. After a thorough investigation I have found that a severe violation of restraint of trade has occurred. This is also a severe violation of 15 U.S. Code 1691 - Scope of prohibition I submitted an application of notes per 12 U.S. Code 412 but was denied. This is a severe violation of my rights and also a violation of discriminatory capacity. 

Unfortunately, at the time of denial I was in a crisis of financial unstableness and actually needed the credits applied. This has been a severely harmful violation upon my rights and caused mental anguish as the severity of time was a dire timeframe soon after the global pandemic for consumers in need consumer home purchases.
Product: Student loan

Wells Fargo continuously calls my mother 's work number every day and leaving messages harassing her for payment.
Product: Checking or savings account

I did a mobile deposit of a check on XX/XX/year>, for the amount of {$3800.00}. This check was issued by the United States Treasury, Thrift Saving Plan, which is my retirement account. I made this withdrawal due to the ongoing natural disaster in XXXX XXXX CA, specifically, the wildfires. I made this withdrawal to prepare and have on hand. I am directly affected by this. On XX/XX/year>, could not view my account. I chatted online and they told me to call the fraud department. I called and they asked me if I made the deposit, and asked me who wrote the check and why. I explained exactly what I explained above. They told me they would review it and get back with me. I then contacted the Citi Executive Response Unit to get clarification and to expedite this. I was told they will review my complaint and get back with me. The case number for that request with the Citi Exec Response Unit is XXXX. There is no valid reason why this account should be restricted, blocked or closed. There is also no valid reason why this legitimate check should be flagged or restricted.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX, IL, XXXX Birth date : XX/XX/XXXX Social Security # : XXXX Credit Bureau XXXX EQUIFAX Credit Bureau Address : XXXX XXXX XXXX, XXXX XXXX PA XXXX Date : XX/XX/XXXX Dear Credit Bureau Representative XXXX XXXX recently reviewed a copy of my credit report and noticed the following information regarding inquiries to be in error. The Fair Credit Reporting Act states that the only permissible purpose for pulling a person 's credit report is ( 1 ) a firm offer of credit, 2 ) insurance, ( 3 ) an application for employment, or ( 4 ) a court order.

The following inquiries are not related to one of the allowable purposes, as I have reiterated from The Fair Credit Reporting Act. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Please remove these inquiries from my credit report immediately. If any of these companies purport to have pulled my credit report with permission, then I exercise my legal right to ask for verification, including : 1 ) Name and title of the person who pulled my credit.

2 ) Date they purport that I gave permission.

3 ) Method they purport that I gave permission please include documentation of said permission. 

Thank You.
Product: Credit reporting or other personal consumer reports

I am a victim of Identity Theft and I reported the XXXX  XXXX credit card ( both # XXXX & # XXXX ) to the FTC as FRAUD and Identity Theft. 
I am a victim of the XXXX XXXX XXXX, see attached. 
XXXX Police Report attached. 
XXXX  XXXX is to BLOCK or delete both cards from my credit reports and continues the non-compliance with all laws and has destroyed my credit to the XXXX XXXX. 
XXXX XXXX posted nearly XXXX false billing line entries on both cards, stole {$100.00} payments, and added false debits and credits, moved my {$100.00} payments back and forth on both credit cards # XXXX & # XXXX, never posted all cash back rewards and interest credits and fees credits, never posting all credits prior to XX/XX/2023 closure of both # XXXX & # XXXX credit cards is FRAUD.
Product: Mortgage

My second mortgage was purchased by Lakeview Loan Servicing in XX/XX/2019. This is a down payment assistance loan that initially started out at XXXX. When the loan transferred to Lakeview Loan Servicing the balance on my loan reset to XXXX and my additional principal payments were applied to interested. The servicing company also attached an escrow and charged me $ 1300+ for 1 month. This issue was rectified due to a complaint that I filed. I've called multiple times with no resolution and receive a different answer each time. XXXX XXXX is servicing the loan and will not assist with correcting the issue. They keep telling me that this is an interest only loan and any additional payment made will go towards interest. This company is stealing my money and misleading how they apply payments. My closing attorney and bank stated that I can make payments to this loan. They also reviewed the note. 

Old Account ( before transfer ) - XXXX New Account ( after transfer ) - XXXX Both accounts were serviced by XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Sent letters to all three credit Bureaus and XXXX XXXX but no actions nor response up yet, Unverified account and inquiries what do not belong to me are listed below is still reporting on my credit report which is a violation of Federal Law. The 3 Credit Bureaus failed to comply with the Federal Credit Reporting Act. I am sending this complaint to ask for your help to remove/update the concerned account listed below that I found inaccurate and unauthorized. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CAPITAL ONE XXXX XXXX CAPITAL ONE XXXX XXXX CAP ONE NA XXXX XXXX CAP ONE NA XXXX XXXX CAPITAL ONE XXXX XXXX CAPITAL ONE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, 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. 
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, 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 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 of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.SC 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 resonable cause to believe that the information is inaccurate.

Please include 1. Copy of original application 2. My original e-signature of application 3. Full payment history from original creditor.

4. Original purchase agreement showing you can legally collect the alleged debt.

Thank you for your time and help with this matter.
Product: Credit reporting, credit repair services, 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, Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX 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 the information. Any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card

I have freedom credit card from chase for more then half year and they told that I can increase limit on the card today I spoke with custome care represent XXXX even and he told me after 1 hour verification that congratulation your line encrees from XXXX to XXXX when I call back in one hour to check balance nothing happen nobody did anything. Our conversation was recordet and I need. Help to request this tape to prove that they promise and did n't deliver
Product: Credit card or prepaid card

On XXXX I mailed a payment to my Citibank Credit Card ( account ending in XXXX ) in the amount of {$1500.00} in the form of three separate money orders in the amount of {$500.00} each. I included a payment stub with " {$1500.00} '' handwritten in the appropriate field. All three money orders + the stub were sent in the same envelope. 

On XXXX, Citibank applied a payment of only {$500.00} to my account. On XXXX I contacted XXXX XXXX and I was informed that all three money orders had been cashed at the same time. time. 

After speaking to XXXX XXXX, I called Citibank customer service to have the missing {$1000.00} credited to my account. The Citibank agent said that she would submit a trace request and that I would be receiving a form in the mail that I would then have to sign and return so that an investigation can be initiated. I told the agent that I would be traveling outside of the US from XX/XX/XXXX through XX/XX/XXXX, and that I would be unable to sign and return that form. I asked whether the process could be handled either over the phone or via email. She said she would " try '' and request that I be sent an email instead of a letter in the mail, although this couldn't be guaranteed. 

The XXXX XXXX money orders numbers are XXXX, XXXX, and XXXX.
Product: Credit reporting or other personal consumer reports

Any CRA can only furnish a consumer report as provided in 15 U.S. Code 1681b ( 1 ), ( 2 ). Experian does not have my consent to furnish these items nor provide me with a document that proves that a court has ordered the furnishing of these items on my consumer report. Unless Experian can provide proof, a bank can not extend its own credit lawfully and therefore can not furnish a consumer report. 

I am requesting that all these items be removed from my report immediately. Thank you.
Product: Credit reporting or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
BANK XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has my name wrongly listed on their reports. Instead of having my name as " XXXX '' & surnames as " XXXX XXXX '' they have my name as " XXXX XXXX '' and my surname as " XXXX '' They claim this is happening because the providers are reporting this information incorrectly, however I have called the providers ( and I have even reviewed this myself ) and my names & surnames are properly listed. The providers also argues that Experian is the only Credit Bureau reporting my name wrongly, which does not happen with XXXX or XXXX. 

However, Experian representatives say they can not do anything on their end and this needs to be fixed by the providers
Product: Money transfer, virtual currency, or money service

Skrill has one account banned my account for no reason at all. I received a deposit of XXXX dollars today and when I went to withdraw it, I received a notificiation that my account had been temp restricted and that I would need to upload a selfie with my ID. This is completely unacceptable and I truly see why multiple users complain about the company and their service.