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

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. These items are inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section605b. I have done many attempts to reach out to Three Credit Bureaus but they failed to give me any results or feedbacks about this concern, and where is the proof of payment history for this account? Please investigate properly and remove them from my personal credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance : {$6900.00} ; XXXX XXXX XXXX  Date Filed/Reported : XX/XX/2013 ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX : {$6900.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX UNIVERSITY ) XXXX Balance : {$2100.00} XXXX XXXX XXXX XXXX Date Filed/Reported : XX/XX/2013 ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX UNIVERSITY ) XXXX Balance : {$2100.00} ; XXXX XXXX XXXX XXXX XXXX : XX/XX/2013.
Product: Credit reporting, credit repair services, or other personal consumer reports

Today XX/XX/2020 XXXX XXXX. I requested my free annual credit report from Transunion and was in the process of disputing accounts over 7 years, incorrect info, and viewing the rest of my report. Then the page closed or timed out. Not sure how as I was typing my dispute. I tried to get back into my credit report and Transunion claimed that they could not validate my identity after validating it he first time. I have filed several disputes and they never get resolved as the other bureaus. Transunion is practicing outside of the laws and regulations involving credit reporting. I am a public service worker in the process of getting my student loans forgiven and they report them as potentially negative accounts. Some accounts were settled and over 7 years and they refuse to removed them from my credit report There are hard inquires which I did not authorize and Transunion refuses to remove them from my credit report. This is against the law and I am very tired of Transunion. Please resolve the issues or I will have no choice but to seek legal council. 

Thank you. 
XXXX XXXX
Product: Credit reporting or other personal consumer reports

I'm a victim of identity theft whoever stole my identity opened fraudulent accounts in my name and the accounts are reporting negatively on my credit report. Here are some of the fraudulent inquires and accounts ... .I also attached supporting documents. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 recently reviewed my credit report and noticed an account that was not reporting accurately. i had late payments on an account that i was in fact paid on time. The consumer reporting agencies have need to report all information with complete accuracy. this account has not been late on payments ive attached a copy of my report to this complaint on the following dates I'm now requesting you investigate and provide verifiable proof with records showing that I had late pavements. If this information can not be verified I demand these payments be updated to paid on time immediately. Thank you for your understanding and prompt action. 

XXXX XXXX XXXX XXXX late payment XX/XX/XXXX and XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I contacted TransUnion about the following negative accounts ; XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$300.00} ), XXXX  ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$2400.00} ), XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$19000.00} ). Its been over 45 days and TransUnion havent respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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: Credit reporting, credit repair services, or other personal consumer reports

The business charges a monthly fee to access credit report, credit score, credit monitoring, and other services. 
However, when i tried to access the services i pay monthly for, it said to contact customer service, over XXXX hours on the phone with unhelpful agents then with a supervisor, all sound like robots following a script instead of being humans and actually helping solve an issue, i still didnt get a resolution except to mail in a copy of my ID to verify my identity. We are in XXXX and their only solution to verify it is me trying to access my account is to mail in my ID or fax it? Thats it???? 

Best solution I am looking for is to let me access my account immediately, which i am paying for and not receing the service or give me a call to resolve the identity issue with any question you have or E-MAIL you whatever you need from me, or I need an immediate refund for all the previous months I paid for since I am not able to access the account & service I am paying to use. 

I was also mainly concerned to make sure my credit report is on Freeze or Lock so it is not accessible to any credit issuers, however I am not currently able to do that on the app or by calling equifax either.
Product: Credit reporting or other personal consumer reports

I have a derogatory credit account on my Experian credit report. The account has been there for years and it was fraud, but since I was never able to prove the fraud it has remained there. For years it has shown that it will be removed from my credit report as of XX/XX/year>. I pulled my report as of today XX/XX/year> and now the indication that it will be removed as of that date is no longer showing. I have a screenshot of my report from XX/XX/year> showing that the report did indicate the removal date. Why has that been removed all of a sudden the same month that it was supposed to be removed.
Product: Money transfer, virtual currency, or money service

I made a transaction from XXXX  XXXX XXXX XXXX XXXX XXXX on XX/XX/year> utilizing the Zelle platform thru my banking app under account ending in # XXXX for a payment amount of {$1200.00}. Not realizing I was sending to the wrong account I sent it to an account at XXXX XXXX  XXXX XXXX XXXX  with an account number ending in # XXXX. This account was closed last month, on XX/XX/year> as a forced close because of a negative balance for too long time. Because Zelle is instant, the money came out my account right away, and I received confirmation from both XXXX  XXXX XXXX and XXXX XXXX  that the payment had been sent and received. I have called both banks to rectify this and XXXX  XXXX XXXX says they cant do anything because its instant, and associated has given 2 possible outcomes of what will happen, but that they can not even see record of this payment. I have even provided the conformation/aft authorization number as well as the trace number. I am receiving no answers from anyone. Zelle will not help as the payment was made through a partner bank and not the Zelle app. I would like to know where my money is because someone has it and I need to get it back. 
Trace no XXXX Confirmation/AFT Authorization No XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted the collection agency XXXX directly, as well as, Equifax, since XXXX, 2019 disputing the error that is being reported in the amount of {$1600.00} Account XXXX XXXX ... This is heavily affecting my quality of life. Neither the collection agency or the credit bureaus has provided me with a contract or other legal proof supporting their claim. Both of them just send form letters that avoid the request to show proof. I need their ridiculous paper shuffle to stop. By law, I do know that they must provide the information as I requested or stop collection effects and delete the errors.
Product: Mortgage

I received another letter from Loancare on XX/XX/2019 that my mortgage was two months past due for a total amount of {$1300.00}. However, I have made all payments on time and have cancelled checks to prove it. This has happened 8 times in the past only for them to locate the on-time payments and cancelled checks. With this repeatedly happening, it feels even more like harassment. I simply want to be treated accurately and fairly. 

Attached are copies of the XXXX and XXXX cashed on-time mortgage payment checks along with their most recent letter obviously repeating the same error process within their company.
Product: Checking or savings account

I have informed Chase Bank that my Phone was lost the XXXX XXXX XXXX 2024. I have filed a claim for a withdrawal that was done on my account. The date is XX/XX/XXXX for the amount of {$1600.00} and {$4700.00}. Leaving my bank account overdrafted and restricted. The agent that I have filed a claim to said that since it is a check, I will not be able to track it via the mobile app and the only way to track it is to call them. I was also informed that it will take 3-5 days to have a resolution and have my money back. The 3rd day was supposed to be on the XXXX XXXX XXXXXXXX and the 5th working day is on the XXXX XXXX XXXXXXXX. I was told that I should receive a call back on that day and a resolution. I have been calling them everyday since I have filed the claim and asks for updates but they keep on assuring me that I will have a resolution and my money back on the date given. 

I have called last XX/XX/XXXX and one agent told me that it will still take days for the resolution. I want my money back and I need it thats why I beg for it. The agent told me that I should received a resolution by the XXXX XXXX XXXX and provided me their direct contact number and told me to call them back first thing in the morning on the XXXX. 

Came the XXXX of XX/XX/XXXX, I was informed that I still need to wait. I have spoken to a supervisor only to find out that the claim was not worked on because I needed to submit the packet needed. I was in shock and frustrated because I wasnt informed that it was needed so that I shouldve done it in the first place. It was already the 7th day from the day I have filed the claim. They only instructed me to wait. Up until now, the XXXX XXXX XXXX theres no update and I didnt received my money back.
Product: Credit reporting or other personal consumer reports

I sent a letter on XX/XX/XXXX to remove XXXX XXXX XXXXXXXX Balance {$11000.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any items or information not later than 4 business days after the XX/XX/XXXX. Ive already included this in my previous Complaint & I am including it again.,
Product: Credit card or prepaid card

Company : Synchrony Financial Product : XXXX Credit Card My Statement Balance : {$200.00} Due Date : XX/XX/2021 I was late by XXXX day in making payment due to connectivity issues and made the full payment on XX/XX/2021. Synchrony assessed a late fee of {$29.00} and an interest charge of {$5.00} which were tagged to my next month 's statement. 

I spoke to a representative on XX/XX/2021 and asked for late fee and interest charge to be waived. They waived the late fee but cited inability in waiving the interest charge as it was not their fault. The APR  applicable on my account according to them is 26.99 %. As I was late by only XXXX day my assumption was that I would be charged interest for only XXXX day ( around XXXX cents ) but the online representative told me they charge interest for a whole month at the minimum. 

In my mind this is unfair and the interest should only be accrued for the number of days the payment is late by. This is effectively making the interest rate thousands of % for just XXXX day of lateness. 

I would really appreciate any assistance in reaching out to this organization and putting forth my point of view.
Product: Credit reporting or other personal consumer reports

This morning, I was alarmed to see an unauthorized inquiry on my credit report, and I have no clue why its there. I check my report regularly, and today, I found unexplained discrepancies that shouldnt exist. I even refreshed my browser in hopes of fixing it, but nothing changed. I am beyond frustrated and demand that my documents be properly reviewed so I no longer have to stress over this.
Product: Credit reporting, credit repair services, or other personal consumer reports

am writing in regards to the hard inquiry pull from Paypal Credit on XX/XX/2017. As previously stated I have no recollection of thi ever applying for this form of credit and have even spoken to members of your customer service team that can find no evidence of me applying for credit with PAYPAL. Recently I chose to dispute this hard inquiry however, it is obvious that the response received was generic as I have personally reached out to your customer service department who had no record me ever applying for any form of credit from paypal. I implore you to do adequate research into my claim as this response has not addressed my concern! Please provide information regarding when I would have applied for this credit as well as what medium was used. The call center representatives I spoke to highlighted that they were unable to send a credit removal letter to the credit bureau as they had no record of the transaction being done. I am concerned about this constant run around between you and the bureaus because as stated before I have no recollection of applying for this form of credit! Please address my concern. I future elaborate that failure to positively verify these accounts has hurt my ability to obtain credit and note that I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623.
Product: Credit reporting, credit repair services, or other personal consumer reports

I closed my checking account with this bank last year and made sure the account was closed with a {$0.00} balance. I 'm now seeing that they are reporting a charge off amount for the account! Nothing was owed to them and they would n't even let me close the account with funds still in the account which had to be withdrawn or spent, so how is it possible to charge off an account that was  MY mo ney??? Not only that, but since the account has been " charged off '' the balance is continuing to increase. Also, this same bank pulled my credit as a hard inquiry in  XXXX  of   XXXX  , even though I do n't have any accounts with them or ever gave them permission to run my credit.I live in a state that this bank is n't even in and have no need for their services so I would n't have been looking to take a loan out with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax refuses to correct my name. Ive send ID verification and they wont remove a name I do not go by..
Product: Credit reporting, credit repair services, or other personal consumer reports

The Apple Card is showing as a open card with a 285 % usage on my XXXX  report but when you look further on the report it shows as a charge off
Product: Vehicle loan or lease

I was looking to get transportation and decided to finance being preapproved by XXXX XXXX after being pre-approved I went on to look for a vehicle I decided to go to a dealership close to where I work as I see the cars in the lot every day. 
I purchased a car from XXXX XXXX XXXX  in XXXX NY XX/XX/XXXX with a down payment of {$550.00} as I was preapproved by XXXX when I came to pick up the vehicle I was told they went with Credit acceptance as the financing company because they offer a warranty and XXXX won't answer the calls for approval the dealer had already registered the vehicle with NY XXXX XX/XX/XXXX I notified the dealership of electrical issues I noticed and was denied the ability to return or trade in the vehicle. 
XX/XX/XXXX the check engine light came on and I visited the dealer he told me that was normal and not to worry about it as I responded this has never happened to me out of all the cars I've owned and it happens to a car I financed is not acceptable, I requested the inspection report and bill of sale instead I was told they cant find my paperwork. 
XX/XX/XXXX as I was driving on the expressway the vehicle stalled and transmission failed XX/XX/XXXX the vehicle was towed to the recommended repair shop by the dealer with no transportation the dealer denied me again to trade the vehicle in or another form of transportation XX/XX/XXXX I was told by the repair shop that the transmission had been leaking oil for a while and would need to be replaced after back and forth with the dealership he agreed to give me a loaner car while having the loaner car the check engine light came on and it had an issue that I had to pay to recharge the battery I called the dealer multiple times and left messages with no answer or response.. 
XX/XX/XXXX I got a call saying the car is repaired and ready for pick up when I picked the car up I noticed the heat wasn't working anymore and everytime I would come to a stop the car would accelerate and decelerate I returned it to repair shop where the owner/ mechanic stated it may be a motor issue or something else I left the car at the repair shop. 
XX/XX/XXXX I received another call from the dealer saying the car is ready to be picked up and everything that was and issue was fixed and replace but instead I had to pick the car up from the dealership and not the repair shop where I left the vehicle when I got in the car to start it up the dealer got in the loaner car and left the car never headed up, the window was still not working and still had acceleration issue I waited over an hour at the dealership waiting for the dealer to return he didn't so I left I called and visited as many times as possible each time I was told the owner isn't there or would be ignored the same day I went to the repair shop and was told nothing was done to the car after being replaced. 
XX/XX/XXXX the check engine light came on again I visited the dealer more and no response from my first financed car resulted in a lot of mental, emotional and financial damage.
Product: Credit reporting or other personal consumer reports

Since XX/XX/XXXX my bankruptcy was deleted from LexisNexis as of the writing of this complaint. This has not been resolved, after XXXX phone calls and letters being sent they have refused to send the letter stating my bankruptcy was deleted I have spoken to many XXXX from their company all of them have agreed and supervisor have confirmed that the other department has not sent this letter after being requested to be sent out. The case number is XXXX I have been lied to many times behind this unprofessional tactics of peoples information including mine. 


XXXX XXXX
Product: Debt collection

XXXX had made an error on a mobile phone account, billing me for over a year as XXXX phones and XXXX mobile lines, when i only owned XXXX phone and XXXX mobile line. They admitted fault and said it was an issue on their end, and stated I don't need to worry about the false charge and it would be taken care of after over XXXX hours of customer service calls trying to get to the bottom of it. Then they sent it to collections with these Jefferson capital folks apparently, instead of covering their wrongdoing. Now the Jefferson capital folks are wrongly reporting a debt on my credit report. This started over 5 maybe 6 years ago
Product: Debt collection

Ive reached out to the company. They said I had an auto loan ask them for information to be sent. They never sent it and they gave me the runaround about the account when trying to get information. No one could give me what the amount is for what IIve reached out to the company. They said I had a auto loan ask them for information to be sent. They never sent it and they gave me the runaround about the account when trying to get information. No one could give me what the amount is for what its owed it for And the original creditor
Product: Money transfer, virtual currency, or money service

I attempted eight times to communicate with Square , Inc regarding my merchant account which a significant of money was stolen from, via email, and repeatedly get asked to provide information and told I would be contacted in 24 hours however, that never happens. I am not allowed to contact them via phone as I lack a code needed because I have no access to the account, my debit card has NO phone number on it. My fraud issue has been ignored and the person ( s ) who compromised and took my business account ordered his/her own card for this account and it is believed that thousands have been taken without any assistance from Square. 

I am the owner of XXXX XXXX XXXX On or about XX/XX/2021 this account was compromised, the user and passwords changed, and an additional card ordered or requested. To date, 7 months later, I am unable to still even see what has transpired on the account. My phone number was stolen first, and as such any verifications were being viewed and changed by the person who stole the phone number and subsequent email.
Product: Mortgage

I am XXXX XXXX XXXX and I have sent XXXX AND XXXX a request letter to remove NEW RES-SHELLPOINT MTG with the account number XXXX from being furnished on my credit report. This account is outrageous and inaccurate. 30 days have passed since I sent and I was not able to receive any changes nor respond from the Bureaus and even the Furnisher. Under FCRA, report results to the consumer, must be within 30 days and failure to do so should be considered a deletion.
Product: Credit reporting or other personal consumer reports

After receiving a copy of my credit report, I noticed a number of unauthorized inquiries and accounts not belonging to me and were not authorized by me. I've repeatedly tried to address this problem with the companies and the credit reporting agencies, but I've not been able to get help. 

Here are the fraudulent accounts and inquiries below : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX