23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

I sent a letter to TransUnion in XXXX, and received a response today in the mail that they will not be updating my credit report to more accurately represent my profile. The issue arises from the reporting of a " photo '' radar traffic ticket that I was never made aware of. Upon first seeing this on my credit report, I contacted the City of XXXX regarding this ticket and promptly paid it in full even though I disputed the validity of the ticket, never being sent a notice, or being able to defend it in court. 
The City of XXXX has sent me notices that they have sent a " Clear Record '' to TransUnion as well. I even have a copy of this " Clear Record '' that I have forwarded to TransUnion myself. 

Also, TransUnion made agreements with the Attorney General of New York ( though the agreement stipulated nationwide ) about just this type of debt. TransUnion ( and XXXX ) agreed that " consumer debt that did not arise from a contract '' will no longer be reported. Specific examples mentioned in the agreement were medical debt and traffic related debt. 

Bottom line, this account being listed is in no way an accurate representation of my credit worthiness. Continuing to report this is causing me unnecessary harm. I am only asking that this " Paid '' debt be removed from my TransUnion credit report. 

I am including a copy of the " text '' portion of the letter that I sent to TransUnion in XXXX. 

-- -- -- -- -- -- TransUnion XXXX XXXX. XXXX XXXX, PA XXXX TransUnion, This letter is a formal complaint that you are reporting information that you should no longer be. 

I have no doubt that you have a desire to correct and ensure that my credit report shows only accurate information that is also PERTINENT to my credit history. 

The City of XXXX has acknowledged the issues that I have brought up previously, and despite also having sent to me a CLEAR RECORD that I have also already sent to you this debt remains listed. 

Additionally, and for purpose of this follow-up, I write due to a recent settlement that TransUnion entered into with the Attorney General of New York. I demand immediate removal of this " consumer debt that did not arise from a contract '' be removed from my credit report. My specific issue of receiving a traffic ticket is XXXX specifically mentioned as applying in my case of having no justifiable reason of appearing on my credit report. My claim also has to do with this ticket being of a " photo '' variety, meaning I never actually RECEIVED a ticket. Based on the settlement that TransUnion entered into, I can speculate that the Attorney General and TransUnion agree with me on the need to have this removed. 

My overall claims of this being valid in the first place also have merit. Either way, I ask for this to be permanently deleted from my report. 

XXXX / City of XXXX - XXXX XXXX # : XXXX, please send me an updated copy of my credit report that reflects this change. 
-- -- -- -- -- -- -- -- -- Thanks for your help!
Product: Debt collection

I recently received a copy of my credit report and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report immediately. The reporting of these account is in violations of 15 USC 1681, and the Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] collection : XXXX XXXX XXXX
Product: Vehicle loan or lease

On XX/XX/2024, I attempted to purchased a vehicle from Carvana. On XX/XX/2024, BEFORE finalizing my application/approval, Carvana withdrew the deposit, which was {$2300.00}, from my bank account. It took 1.5 business days for Carvana to withdraw money from my bank account but it will take Carvana 7-10 business days to return it. Why are they allowed to briefly steal money from consumers BEFORE finalizing approval? Now I can't get a vehicle until Carvana returns my money. That is extremely unacceptable!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Account : XXXX XXXX, Account # XXXX ; XXXX XXXX, Account # XXXX ; XXXX XXXX, Account # XXXX ; XXXX XXXX, Account # XXXX ; XXXX, Account # XXXX ; XXXX, Account # XXXX ; XXXX, Account # : XXXX ; XXXX, Account # : XXXX ; XXXX XXXX XXXX Account # : XXXX has violated my rights. 

In accordance with the Fair Credit Reporting Act XXXX  Account : 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: Checking or savings account

I went to Wells Fargo XX/XX/2020 located XXXX XXXX XXXX, New Jersey XXXX. Approximately XXXX pm and made a deposit of {$4900.00} into the ATM into my checking account and received a deposit slip for " one penny ''. I knocked on the window of the bank, the Manger of the Bank came to the window and that's when I showed her my receipt for one penny. I asked if she could assist me at this time for it was urgent ; I was frantic at this time, but she refused. 
I've been following this dispute for onXXXX and half years now, going to different branches of Wells Fargo asking for help, but with no resolution. " I've even been asked where did I get this money ''!! 
How appalling. But as of this date and time, I've NEVER received my money back. I've talked to and submitted all required documentation asked for, but still no resolution. 

Please help me get my money back from this company! 

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

I am dissatisfied with your continued inclusion of the following information in my consumer report and your failure to maintain reasonable procedures in your operations to ensure the highest level of accuracy in the consumer report you publish. This grave error has harmed my trust in your company 's procedures, and as a result, I will no longer extend credit, and I will not extend consumer credit, and if this information is not removed, I will no longer want my information to be reported in your company 's database. The FCRA was violated because the reasonable procedures listed in the affidavit were not followed ( Fair Credit Reporting Act ) .I have the right to privacy, as well as the right to choose where and how my nonpublic information is disclosed. Because it negligently reported false information, this account is deceptive and dishonest. Please provide me with documented proof that I gave you permission to report anything on my consumer credit report. I contacted the debt collector, but they refused to provide any proof ; as a result, you are reporting multiple fraudulent and misleading accounts. Instead of 5 days prior, they failed to provide me with written notice of this 14 days prior. I am the only one who can prove this debt. They demand that you delete this information because the alleged account is fraudulent. There should be no transactions in this report. The decision to report transactional information must be made with the consumer 's consent. The XXXX XXXX makes reference to this. A consumer must be given the option of directing whether or not transaction information should be reported because it negligently reported false information, this account is deceptive and dishonest. Please provide me with written confirmation that I gave you permission to report anything on my consumer credit report. I contacted the debt collector, but they refused to provide proof ; as a result, you are reporting multiple incidents. This is referenced in the XXXX XXXX. You are blatantly violating the FCRA ( Fair Credit Reporting Act ). My privacy is being breached by this. Please take note that my data has value because it is public information, and anyone who uses it without having approval from me in writing must pay me in accordance with the FAIR CREDIT REPORTING ACT, kindly block this information from being included in any credit reports and notify those companies who provided this information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX XXXX XXXX, am a victim of identity theft and attached below is my FTC Identity Theft Report. I fully authorize this notice and compliance. I have also mailed all respective CRAs my identity theft affidavit. I have never authorized or gave express written consent to any 3rd party affiliate CRA to furnish my data with the following companies, please be aware, no consent, is identity theft. Thank You. 


XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX CHild Support
Product: Debt collection

Company is reporting a charged off account on my credit. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor.You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting.I have no knowledge of this company or alleged debt. i disputed this debt with the credit bureaus and it came back verified i have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately.
Product: Mortgage

I have a home mortgage with Wells Fargo. 
I prepaid my state and local taxes for calendar yer XXXX in calendar year XXXX. 
I requested a refund from Wells Fargo for the taxes that I have already prepaid. 

I have not received a refund from my escrow account for the taxes that I have prepaid. 

Despite several requests, I have not received any response as to when I can expect such a refund.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX, account # XXXX has violated my rights. 

15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604A section 2 states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B states a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Mortgage

We are currently with PNC mortgage. In XX/XX/XXXX I was forced to switch jobs and took a XXXX decrease in pay due to my previous position being eliminated. We attempted to refi in XX/XX/XXXX. PNC explained to us that because we were in good standing, we did not qualify for any refi programs that help lower our payment ( we were in " too good '' standing ). We asked how to get involved in any special programs for refi and they stated that we would have to miss 3 consecutive payments in order to qualify. I didn't understand why we would have to fault in order to get a lower rate? 

By XX/XX/XXXX, I was struggling with paying the mortgage. My wife and I decided to finally follow the direction of PNC and we stopped paying the mortgage. In XX/XX/XXXX, I contacted a complaint line and explained my situation with PNC. They stated that " they would never say that '' and that " they would never tell anyone to miss payments ''. I was absolutely floored. I was angry that I used this as a last resort and that I have NEVER missed a payment in the 12 years that I have been with PNC. They logged the complaint and called a few days later and said " sorry, nothing we can do ''. I made the XX/XX/XXXX payment immediately. on XX/XX/XXXX, went online to pay my entire missed months of mortgage so that I could leave PNC and I was unable to pay and they stated that I could no longer deal with them. A few days later, I received an attorney letter with all past due months and an additional {$800.00} fee for the letter being sent to us. I quickly explained the situation to the PNC attorney and that I was trying to pay online but they wouldn't listen. I paid the entire balance in full ( because we were told to withhold the payments by PNC ). We then reached out to PNC in XX/XX/XXXX to get back to refinance the house and they stated that because we have missed any payments, we are no longer able to refi the home. We are now stuck in a mortgage that is almost 2 points higher than any other mortgage out there.

PNC was deceptive in their offers and how to circumvent the system and then denied any wrongdoing and penalized my family for doing what they said. You can look over my payment and credit history prior to intentionally missing those payments. Absolutely perfect payment history prior to this issue.
Product: Mortgage

I REFINANCED MY HOME THROUGH ONE TRUST HOME LOANS IN XXXX. THEY FAILED TO ESCROW SUFFICIENT FUNDS TO COVER MY PROPERTY TAXES AND HOMEOWNERS INSURANCE FOR 2017. CLOSING DOCS SHOW THAT A PAYMENT IN THE AMOUNT OF {$710.00} SHOULD HAVE BEEN MADE TO PAY PROPERTY INSURANCE. PAYMENT WAS N'T MADE AND I CA N'T FIND OUT WHERE THAT MONEY IS. ONLY 6 MONTHS OF FUNDS WHERE ESCROWED TO PAY PROPERTY TAXES, PROPERTY APPRAISER WILL NOT ACCEPT PARTIAL PAYMENT AND THE CHECK WAS RETURNED TO THE TITLE COMPANY. I CAN NOT FIND OUT WHERE THAT MONEY IS AND WHY TAXES FOR THE ENTIRE YEAR WERE NOT ESCROWED. WHEN I QUESTIONED THE AMOUNT AT THE TIME OF CLOSING I WAS TOLD THAT EVERYTHING WAS COVERED. I WAS ALSO TOLD THAT THE ESCROW REFUND FROM THE PAID MORTGAGE WAS MINE, AT NO TIME WAS I TOLD THAT I WOULD BE RESPONSIBLE FOR 6 MONTHS OF MY PROPERTY TAXES. IT IS MY UNDERSTANDING THAT IF THE PRESENT MORTGAGE COMPANY HAS TO " LOAN '' ME THE FUNDS TO COVER PROPERTY TAXES AND INSURANCE THEY WOULD THEN HAVE TO RAISE MY PAYMENT IN EXCESS OF $ XXXX A MONTH, MONIES THAT I CAN ILL AFFORD. I WANT XXXX TRUST TO CORRECT THEIR ERROR AND GIVE ME THOSE FUNDS THAT ARE NOT ACCOUNTED FOR, THE {$710.00} THAT WAS SUPPOSED TO BE PAID FOR INSURANCE AND NEVER WAS AND THE 6 MONTHS ESCROWED FOR PROPERTY TAXES THAT WAS RETURNED TO THE TITLE COMPANY AND THE 6 MONTHS OF MONIES THAT WERE NOT ESCROWED TO COVER PROPERTY TAXES.
Product: Credit card or prepaid card

I have been having ongoing issues trying to access information regarding my Santander XXXX XXXX XXXX Credit Card. I can not access my pending and current transactions. I have wasted over an hour of my time this morning ( Sunday, XX/XX/2021 ) with uneducated, unknowledgeable and ignorant customer service representatives. One representative had to keep on putting me on hold to check with another department for assistance. Why is he working in the credit card department when he knows nothing? The agent ( woman ) I had spoken to before him was very rude and ignorant. I am really ready to cancel this credit card because of all the issues and their abhorrent customer service department.
Product: Credit reporting or other personal consumer reports

My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Product: Credit reporting or other personal consumer reports

I recently reviewed my report and noticed an account that was not reporting accurately. There are XXXX inaccuracies showing on my report that should report as current due to protection under the CARES ACT. 

The CARES Act protections require creditors to follow these guidelines for all agreements made between XX/XX/XXXX, through either XX/XX/XXXX ( 120 days after XX/XX/XXXX, when the law was enacted ), or 120 days from the date the COVID-19 national emergency is declared over.

According to Sec. 4021 of the CARES ACT If a furnisher of credit information provides an accommodation to a consumer affected by the COVID-19 outbreak, and the consumer complies with the terms of the accommodation, the creditor generally must report the account as current. 

An " accommodation '' could be an agreement to make partial payment, to put a loan in forbearance, to modify a loan or to offer any other relief. 

A modification and agreement with XXXX XXXX XXXX XXXX was made on XX/XX/XXXX ( attached in documents ) and the account has been current/good standing since XX/XX/XXXX. 

The CARES ACT states If yourloan is considered delinquent ( past due ) when you make an agreement with your creditor, your status will continue to show as delinquent until you bring the account back into good standing. Once you bring the account current, the creditor must report your status as current to the credit bureaus. 

I am requesting you investigate the following accounts and the following payments ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) be updated to CURRENT/PAID ON TIME.
Product: Money transfer, virtual currency, or money service

I have XXXX charges for XXXX dollars made in my PayPal which I didnt authorize, I believe someone got into my account and authorized sending those payments. 

PayPal automatically has a habit with siding with the seller on fraudulent charges. I want my money back.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

Ad Astra Recovery Services has been calling outside of appropriate hours. 

XXXX called me on XXXX XXXX, 2016 at XXXX XXXX ; this is verifiable on my XXXX phone records. 

Also, I am a resident of California, and they violated the XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have addresses on my credit file that are not mine. I do not live at the following addresses please delete them they are not accurate : XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX, XXXX, CT XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX, XXXX, CT XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CT XXXX XXXX XXXX XXXX, XXXX, CT XXXX XXXX XXXX XXXX, XXXX, CT XXXX XXXX XXXX XXXX, XXXX, FL XXXX I would like to have a new copy of my credit report and opt me out of any and all promo and credit card pre screen ads.
Product: Credit card

Due to some unauthorized charges I had my American Express card closed and the new one was issued. I suppose to receive it on XX/XX/24. Despite my credit card being closed, I noticed on XX/XX/24 pending charges for {$650.00} from XXXX XXXX  for the order I never placed. I called XXXX  customer service and was told no charges were placed to my card and I didn't have any order placed on XX/XX/24. I called American Express to inform them about those unauthorized charges. On XX/XX/24 I received an email from American Express to inform me that those charges will be monitored. Today, XX/XX/24, I called American Express to find out why my credit limit in minus and was told it because of those pending charges. To my question if my phone call I made regarding those charges on the records I didn't get any response. Also I didn't get any response to why those charges were accepted if my card was closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my third attempt and the accounts listed below is reporting inaccurately on my credit report and it is in violation of The Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. After further investigation, the accounts is not mines and is reporting inaccurately. 

Account : US DEPT. OF EDUCATION/XXXX  # XXXX
Product: Credit card or prepaid card

I keep receiving Credit Cart applications from Capital One that I do not want. The bottom of the form has an " OPT OUT '' phone number, but when I call it the recording requests my Social Security Number. I will never give out my SSN to a recording just to stop receiving credit card applications and I don't trust Capital One with my personal information.
Product: Vehicle loan or lease

There are fees that were not discussed before the contract. All my rights were waved once I signed the contract. Full disclosure was not provided. 

XXXX XXXX report was filed on XX/XX/2023. report number : XXXX we are filing this due to unconscionability of contract.
Product: Credit reporting, credit repair services, or other personal consumer reports

Time payment is reporting me late. I never was late I believe its the credit bureau I made time payment on time forever. please fix this This is illegal
Product: Credit reporting or other personal consumer reports

I pay for a XXXX subscription, they refuse to show me my XXXX XXXX and up to date credit report!
Product: Checking or savings account

Unable to access my account via on-line or phone service. Phone service states unable to verify my account, when signing on to on-line services keep getting kicked out No notification of any issues on the company website or phone service I