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

I wrote Trans Union, XXXX and XXXX in XXXX regarding a wrong account that does not belong on my credit report. After investigation Both XXXX and XXXX deleted the account that had violations however Trans Union Did not and ignored the violations. 

The account XXXX Account # XXXX had many violations including XXXX, Incorrect Balance, Inaccurate remarks, etc which were all violations and this account needed to be deleted. Trans Union also did not respond within 30days like XXXX and XXXX did. I still have not heard anything from them which is another violation. 

Please see two attachments of the violated account which now shoes only TU reporting. Before it showed TU and XXXX, and before that all 3 bureaus. 

Tell TU to delete this Account for it is hurting my credit report. 

thank you guys for all you do. 

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

I was required by a new employer XXXX XXXX resorts to provide a background check. The background check came back negatively based on incorrect information I have provided documentation to Correspond with such facts. Due to the companies error in presenting my background I am currently under denial for employment based on this information. I was given the information of the status of the background check on XX/XX/2022 I am currently disputing this information and ask that the proper paperwork to be looked into.
Product: Credit reporting, credit repair services, or other personal consumer reports

I closed my {$500.00} limit credit card account # XXXX with XXXX XXXX XXXX in XXXX 2016. This was a secured card ( I paid the {$500.00} upfront ). I contacted XXXX XXXX in XXXX 2016 to indicate I wanted to close the card due to the fact I no longer needed this card. I was asked multiple times to please not close the card, however to clI was insistent they close my account and I paid the {$330.00} balance at the time. I asked if I needed to contact them back regarding any other issues to close my card, they stated it could take 30 days for any accuring interest to show. I called back in XXXX XXXX and asked if any unpaid interest was I was told may card was closed and I had a {$0.00} balance, and if any accrued interest occurred I would be sent a bill. I received no bill. I did receive mulitple solicitations to reinstate my card, which I declined. I recently pulled my credit report and after XXXX XXXX XXXX XXXX charged me a {$38.00} fee- never disclosed to me and never billed. I contacted them to indicate this was inaccurate and they stated an annual charge must have accidently been applied after my card was closed.I belive this is a fraudulent practice in an attempt to knowingly charge a fee once I closed my card, and worse yet they reported it 90 days late. I am so dissapointed at such a shameless attempt at defrauding hard working people. And STILL it is on my credit and has dropped my score nearly 80 points! For a secured card that I had a {$500.00} deposit on! They stated they would send my my secured deposit within 30 days, it took nearly 8 months to receive my deposit- once again a shameless tactic.
Product: Checking or savings account

XX/XX/year> they locked my account, some security freeze, it sbeen locked for over a year with a a blance of over {$3000.00} XXXX  nobody can ge tin contact with the security department that handles my freeze. i was locked out of my online banking so i couldnt even pay my car or credit card online at all. nobody will give me my money or any reason as to why i don thave access to it and it snow been over a year, they also closed my business bank account that had over {$2000.00} in it as well. they mail me staments every month of my account balance but wont grant me access to my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone filed an unemployment claim with New Mexico XXXX XXXX with my correct DOB and SS #. And today ( XX/XX/16 ) someone filed an application for a line of credit with Comenity Bank.
Product: Credit reporting

I got my first credit card 2 month back, and want to verify my information and score. 
I paid my first credit card bill, so want to make sure all information is correct.
Product: Student loan

My student loan servicer was Great Lakes and now it is Nelnet- when my student loans were with Great lakes they were consladated and payment was {$230.00} a month prior to XXXX. I now have multiple loans showing on my credit report and when I try to call NELNET their recorded answering service states call volume is high and wait times are XXXX plus minutes, I have tried to create an online account but when I enter my information online I'm told it does not match their records when I try to chat I'm told to call when I call I'm on hold and never put through to a live person but when I enter my social securtiy number I'm told my loan is out standing and payments are over {$500.00} a month! I've never been sent a statement and still trying to reach the company to find out why XXXX loan is now multiple since they became my servicer.
Product: Credit card or prepaid card

Made purchase XXXX : XX/XX/2018 about {$2600.00} Their advertisement is no interest 24 months payment over {$1900.00} purchases. 
Realized in XX/XX/2018 that my promotion period is only 12 months. It is stated in the statement. 
I called XXXX first and I was told to call the bank. 
I called the XXXX XXXX XXXX, they said they can not do anything after 60 days of transaction. 
This is an " false advertisement " and " consumer fraud '', PERIOD! 
Supervisor in the bank, told me that it was my mistake that I didn't check my statement or didn't catch the error. Basically answer was XXXX forwarded them my purchase as " 12 months '' promotion. 
Why would I, as a consumer, be responsible, if they made an " ERROR '' and put me on 12 months plan instead of 24 months. When I first placed my order, I checked for 24 months of no interest financing. 
I believe this is systematic process ( or error ) and PLEASE STOP THESE COMPANIES AND BANKS TAKING ADVANTAGE OF CONSUMERS.
Product: Credit reporting or other personal consumer reports

I checked my report and seen I had several inquiries that I did not authorize
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX  Reported : XXXX. XXXX, XXXX + {$260.00} In good standing OTHER LOANS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reported balance ( Furnisher of information to credit agencies ) Never informed me 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. Equifax and XXXX are 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Consumer Financial Protection Bureau, CFPB : 1. XXXX XXXX XXXX OWES ME {$1800.00}, ALL XXXX XXXX XXXX ACCOUNTS CLOSED WITH {$0.00} ( XXXX ) BALANCE. I DO NOT OWE XXXX XXXX XXXX AND XXXX XXXX XXXX TRIED TO EMBEZZLE ( STEAL ) {$720.00}. XXXX XXXX XXXX XXXX  IS SENDING HARASSING LETTERS TO MY HOME ADDRESS AFTER I HAVE INSTRUCT THEIR XXXX-XXXX   COMPLIANCE GROUP MANAGER VICE PRESIDENT, XXXX XXXX AND SPECIFIC OTHERS TO NOT CONTACT ME. MRXXXX XXXX XXXX XXXX CAN CONTACT ME AND ONLY THROUGH CFPB BUREAU. 2. XXXX XXXX XXXX, XXXX, IS FALSELY REPORTING I OWE THEM {$2000.00} WHEN I DO NOT. I DEPOSITED A VALID CASHIERS CHECK IN THE AMOUNT OF {$690.00}, AND I WITHDREW AND MADE PAYMENTS TOTALLING {$690.00}. I DO NOT OWE THEM. ALL XXXX XXXX XXXX, XXXX, NEED TO REFLECT {$0.00} ( XXXX BALANCE ), ALL ACCOUNTS CLOSED. 3. XXXX XXXX IS FALSELY REPORTING I OWE THEM {$34.00}. I DO NOT OWE XXXX. I MADE A DEPOSIT OF A VALID CASHIERS CHECK IN THE AMOUNT OF {$34.00}. XXXX IS REFUSING TO CLOSE MY XXXX ACCOUNT THAT I TOLD THEIR XXXX I DO NOT NEED NOR WANT. Dear XXXX XXXX XXXX XXXX CEO Mr. XXXX XXXX XXXX : Please do not have your employee, compliance group manager vice president, XXXX XXXX contact me again. I received a third letter from her after requesting she stop contacting me including communication through the consumer financial protection bureau, CFPB. Mr. XXXX, your employees tried to embezzle VALID CASHIERS CHECKS FROM ME TOTALING {$720.00}. THEY GRAVELY INCONVENIENCED ME ( REALLY AN UNDERSTATMENT ) AND CAUSED ME MUCH GRIEF AND HARM. EFFECTIVE IMMEDIATELY : XXXX XXXX IS TO CEASE AND DESIST WITH ANY FURTHER COMMUNICATION INCLUDING BET NOT LIMITED TO MAIL, LETTERS, EMAIL, FAX, PHONE, CFPB PORTAL, ETC. ). HER CORRESPONDENCE IS HARASSING AND ANNOYING. DEMAND : XXXX XXXX XXXX NEEDS TO PAY ME {$1800.00}. I ATTEST, AFFIRM, AND CERTIFY THE STATEMENT AND INFORMATION IS VERY ACCURATE, VERY TRUTHFUL. Sincerely and Respectfully, XXXX XXXX XXXX  Phone : XXXX Email : XXXX XXXX
Product: Credit reporting or other personal consumer reports

Complaint for CFPB Subject : Complaint Against Experian for Violation of Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Experian for its refusal to remove a charge off account from my credit report in violation of the Fair Credit Reporting Act ( XXXX XXXX XXXX ). 

Account Information : Creditor Name : XXXX XXXX Account Number : XXXX Date of Charge Off : XX/XX/year> Amount : {$10.00} I have previously disputed the accuracy of this charge off account with Experian and provided evidence that the information is inaccurate. However, Experian has failed to conduct a proper investigation and continues to report the inaccurate information on my credit report.

Under the Fair Credit Reporting Act, I have the right to request the removal of inaccurate or outdated information from my credit report. Experian 's refusal to comply with this law is a clear violation of my consumer rights.

I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against Experian for its non-compliance with the Fair Credit Reporting Act. I am seeking the immediate removal of the inaccurate charge off account from my credit report.

Thank you for your attention to this matter. I look forward to a prompt resolution and your assistance in ensuring that Experian upholds its obligations under the law. 

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

On XXXX I sent a letter regarding inaccurate and unknown things on my consumer report. To this day over 30 days later I have not received a response yet. I feel as if I am taking advantage of and being ignored by my disputes. Section 611 ( a ), states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my consumer report, it has been well over 30 days so I demand them to be deleted promptly.

FCRA 15 USC 1681 governs my consumer report. 15 USC 1681a. ( 2 ) acknowledges as a consumer, my reports are my reputation. Since bad debt has been furnished to each of my consumer reporting agencies, my reputation has in fact been ruined. 
The Fair Debt Collection Practices Act is intended to secure my right to privacy and my privacy has been breached. 
I am sure the removal of my information from your website, company records, or any and all derivatives therefore, of, and/or with any affiliates will ensure my privacy rights won't be violated again due to the lack of consent. 
Please show good faith in this matter by expediting the deletion of the alleged information listed on your site in order to avoid me receiving further injury, damages, mental anguish, and losses due to me being a victim of identity theft. My information was also impacted y te XXXX  data breach and may have got into the hands of the wrong person.
Product: Bank account or service

I opened a bank account at Wells Fargo in XXXX, Co. in 2015 and had my Veterans Administration Pension deposited directly. While my account was active, the bank received a garnishment letter from XXXX XXXX Child Support Enforcement Unit. Due to my deposits being from Veterans Affairs for my pension, the account funds was not garnishable. Wells Fargo charged my account XXXX dollars for processing the garnishment order, like I mentioned, led to non garnishement. I contacted the Regional manager from Wells Fargo Bank by phone at was told that once the account is cleared by the XXXX, that they would credit the XXXX dollar negative balance my account had because of the order. It never happened. I went to the location where I opened my account and talked with a bank rep. but was unable to get the reversal of the XXXX dollar debit which led to my negative balance. My account is was closed by Wells Fargo for not getting the funds after I stopped my direct deposit and has sought other collection procedures to include phone calls to my phone asking when I was going to pay it.
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 

XXXX XXXX ; XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX ( Original creditor XXXX XXXX XXXXXXXX ) XXXX Balance : {$4100.00} ; XXXX XXXX XXXX XXXX XXXXXXXX ( Original creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$9700.00} ; XXXX XXXX XXXXXXXX XXXX  XXXX ( Original creditor XXXX XXXX XXXX ) XXXX XXXX XXXX {$4100.00} XXXX XXXX XXXX XXXXXXXX XXXX  XXXX ( Original creditor : XXXX XXXX ) XXXX Balance : {$7300.00} XXXX XXXX XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX ) XXXX Balance : {$2500.00} ; XXXX XXXX Inquired on XX/XX/2023 ; XXXX XXXX XXXX XXXX Inquired on XX/XX/2023 ; XXXX XXXX Inquired on XXXXXXXX XXXX XXXX ; XXXXXXXX XXXX Inquired on XX/XX/2023 ; XXXX XXXX Inquired on XX/XX/2023 ; XXXX XXXX XXXX  Inquired on XX/XX/2023.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : Attn. : Consumer Relations To Whom It May Concern, Incorrect Address : XXXX XXXX XXXX XXXX, XXXX XXXX, SC, XXXX Incorrect Address : XXXX XXXX XXXX XXXX, XXXX, SC, XXXX On ( XX/XX/2022 and XX/XX/2022 ), I wrote to you requesting an investigation into items that I believed were reporting inaccurately on my credit report. To date, I have not received a reply from you or any acknowledgment that an investigation has begun. In my previous request, I listed my reasons for disputing the information. I have enclosed it again and request that you Please delete these accounts and reply within a reasonable amount of time. 

Account Name : XXXX Account XXXX : XXXX Please investigate this account each credit bureau XXXX XXXX a different date of last activity for this account. XXXX XX/XX/2022, Experian- XX/XX/2022, and XXXX XX/XX/2022 XXXX Also, each credit bureau is reporting a different payment status for each account. XXXX and XXXX are reporting this account is paid as agreed. Experian is reporting this account is currently pass due 6 months. Please validate this account or delete it from my credit report immediate. 

Account Name : XXXX XXXX Account Number : XXXX The following account isnt mine. Please remove it from my credit report. 
Amount : {$270.00} Account XXXX : XXXX Account XXXX : XXXX This account is reporting errors please verify it or removed immediately. 

Account Name : XXXX XXXX XXXX Account number : XXXX Amount : {$190.00} I demand that the following account be verified or removed immediately. 
Account Name : XXXX XXXX XXXX Account number : XXXX Amount : {$460.00} Please investigate this account, each credit bureaus are reporting a different high balance amount and no way this could be correct. 

Account Name XXXX Account number : XXXX Please Investigate every piece of information is that you are currently reporting is correct and incomplete. If not please remove it from my credit report. Because putting inaccurate information on my credit report could cost me higher investment rates and I have enough expenses as it is.
Product: Mortgage

i did a complete modification on my Mortgage loan back on XXXX, the application was received on XX/XX/XXXX, i did start with my trial payments as we agreed with XXXXenny Mac for 3 months, after the trial period i was calling them every single month in order to update their system with the new interest and the new payment, every time i called, i was told to please continue the please continue making the payments, the excuse every single month, was they had an issue with the system and promising that for the following month the issue should be resolved, beginning of XXXX when i sold the house and at the closing date when we receive the Payoff we did notice that the full interest was charged and the full modification was never updated, and i ended it to pay more Than i was suppose to, after we close, we receive a letter stating that the modification was not approved, full of lies, they took advantage and and they were charging me for the original interest of XXXX XXXX, i did everything what i was asked for, it's not fair to loose this amount of money specially in these times,
Product: Checking or savings account

In XXXX of XXXX  while traveling internationally in XXXX, my bank card was stolen. When reporting the theft to my bank I was told that I was being locked out of my account with no way of being able to access the account. When returning to the United States and entering my bank location on XX/XX/XXXX I was refused service when requesting my bank statements from the previous year dating from XX/XX/XXXX by XXXX XXXX bank manager of TD Bank id number XXXX, consequently I closed my account. I believe TD bank which claims to be america*s most convenient bank acted with malice and discrimination towards me and i will be seeking legal action.
Product: Debt collection

I received a notice from XXXX XXXX, XXXX over an over drafter account I had 9 years ago that was charged off by the bank, now they have listed an updated activity date on my credit report thais untrue. the debt is no longer collectable, and was written off by the bank almost a decade ago.
Product: Debt collection

On XX/XX/XXXX a verbal one time electronic funds transfer was completed for the full payoff amount authorized paid to the order of Capital One XXXX in the amount of XXXX. Prior to this the account was in a conditional acceptance process with provisions the company was to follow if no valid response ( release of lien was one ) and a notice to of fault and opportunity to cure letter was emailed and sent certified mail to them in XXXX of XXXX as well. 

I received a letter dated XX/XX/XXXX stating that the account was paid in full and that I could expect my title to be released to me in 5 business days. It also stated on the letter at the bottom as a disclaimer " If payment is returned for any reason, Capital One Auto Finance will not remove the lien ... '' Based on this and more evidence I will discuss this account is PAID IN FULL. 

On XX/XX/XXXX after 5 days I checked and my payment hadn't been returned and title was not released. I received an email threatening they were going to take unlawful possession of my property and out of duress I made another payment because i was afraid even though I knew it had been paid in full. 

On XX/XX/XXXX I received notice from my Credit monitoring that the account was now listed as Paid in Full as of XXXX on both XXXX and XXXX. On XX/XX/XXXX I received a letter in my mailbox dated XX/XX/XXXX that stated " As of the date of the letter Capital One Auto Finance does hereby release it lien and/or encumbrance.. '' It listed all the names and companys that was or could potentially be party that had released the lien. At that point i went online and saw my electronic lien was dismissed and still is as of todays date. I printed my title and I have it free and clear in my hands today. 

I have not been bothered by this company since the release of my title. They were placed on cease and desist back in XXXX of XXXX unless to speak about the release of lien which they have completed. I thank them greatly for acting with honor but now there seems to be a problem. 

I received a misleading and threatening letter on XX/XX/XXXX stating they were going to unlawfully take possession again even though they have no valid lien or encumbrance. It was released due to to either satisfaction or stipulations of conditional acceptance. I also noticed at that time that they are now reporting on the bureau that this account has been charged off and/or closed and they are reporting late payments inaccurately and not reporting payments that were made. 

If this account is either of these things paid in full, charged off and/or closed then why am i receiving these threatening letters that are causing me unjust mental anguish. I just want this company to truthfully report and leave my family alone.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Transunion are incorrectly reporting me as an Authorized User on the XXXX - partial account number XXXX. ( Please see pages 3 and 4 of the attached credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User. They removed me as an Authorized User on XXXX however, XXXX and Transunion have not removed this from my credit report. I have contacted the bureaus to fix this issue but I have not been successful. This negative reporting is harming my credit score and this line item needs to be removed from my credit report.