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

While checking my XXXX XXXX account I noticed on their XXXX XXXX reporting that my credit score dropped approximately XXXX XXXX It was XXXX and dropped to XXXX. XXXX XXXX informed me score was provided by Trans Union. I called Trans Union to find out what caused this significant drop. No resolve. I called their XXXX # only for my cal to be directed to a chat. Spent the morning trying to get answers only to find out there was no answer and referred back to XXXX #. which brings me to this complaint. I pay my bills on time and have worked very hard to built my credit. According to XXXX XXXX XXXX XXXX Trans Union is determing scores not based on facts. If they collect the data they should at least make sure they are basing their results on the most up-to-date data. Since they collect this data they should assure it's accurate before they publish a score ( something that effects when and what you can buy. Thank you, any and all consideration given will be greatly appreciated.
Product: Credit card

In XXXX, I noticed an unauthorized charge on my credit card and notified Bank of America promptly. I had recently had my email address flooded with numerous emails saying I had signed up for accounts that were not mine. I noticed XXXX email with an order matching this amount to an address that is not my address of record and with which I have no connection. 

Bank of America told me not to contact the company and filed a dispute. On XX/XX/year>2025, they notified me that they were not approving my claim, saying the merchant had provided evidence that these items were delivered. However, all that was provided was an order and a delivery proof to the address I noted above, with which I had no connection. This is obviously not proof that I authorized the charge, and Bank of America provided me with no obvious mechanism to dispute this decision. 

I have written to Bank of America and filed a complaint with the Comptroller of the Currency, but it is not fair that I should owe this amount, interest on this amount, and risk my credit score for a charge that I did not authorize. I would note that Bank of America 's fraud prevention should have flagged a large purchase to an address with no affiliation to mine, but it did not. 

I have attached the documents Bank of America provided as proof- they do not match my address at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

Furthermore, as you can see from the information above, this agency is not reporting accurate information. According to [ 15 USC 1681e ] ( b ), Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual to whom the report relates. 
They are in violation of the FCRA, [ 15 USC 1681b ] ( a ) ( 2 ) : ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the information you're reporting. 
My rights were violated, especially my right to privacy, according to [ 15 USC 1681 ] ( a ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy. 
I, therefore, request that them immediately delete the items specified above from my consumer file with your agency. Failure to do so will require that I take appropriate legal action.

All these violations are a direct violation of 15 USC 1681. No consent is identity theft, and these violations are Aggravated Identity theft, according to [ 18 USC 1028A ] ( a ) ( 1 ). they have knowingly transferred, possessed, and used, without lawful authority, a means of identification of me, which is a felony punishable up to 2 years of imprisonment, in addition to civil liability.

For damages, I am invoking my rights as a consumer pursuant to 15 USC 1681 ( n ) civil liability, and I demand compensation for every violation listed below ; Permissible purpose {$1000.00} Defamation of character {$1000.00} Damaged reputation {$1000.00} Damaged credit worthiness {$1000.00} Damaged mode of living {$1000.00} Infringed on right to privacy {$1000.00} Cease the reporting of this erroneous and deceptive information on my consumer report. Delete the specified accounts from my consumer report and all your systems.
Product: Credit reporting or other personal consumer reports

NOTICE TO AGENT IS NOTICE TO PRINCIPLE NOTICE PRINCIPLE IS NOTICE TO AGENT I am writing to inform you of my dispute regarding the account listed on my credit report maintained by your company. I assert that your company is subject to the arbitration agreement as stated on your company 's website, as well as the arbitration procedures provided by XXXX 
I am fully aware of the financial implications associated with initiating arbitration proceedings, and I am extending you one opportunity to resolve this matter amicably. My settlement demand is as follows : Payment of {$6000.00} to compensate for the mental distress, anxiety, emotional distress, and financial hardship that your actions have caused me. 
Deletion of the trade-in entry from all credit reporting agencies where it is currently listed. 
I want to emphasize that the costs associated with initiating arbitration proceedings, including filing fees, arbitration initiation fees, arbitration deposits, and any legal costs incurred throughout the arbitration process, will be significant. As per the arbitration procedures outlined on the XXXX website, you will be responsible for covering these costs, which could amount to tens of thousands of dollars. 
Failure to comply with my demands will result in the initiation of arbitration proceedings. I want to remind you that your continued collection activities may constitute a violation of the Fair Debt Collection Practices Act ( 15 USC 1692c ( c ) ), which prohibits communication through mediums other than mail upon request. 
I expect a prompt response within 15 DAYS, confirming your acceptance of my settlement terms and detailing the steps you will take to comply. If I do not receive a satisfactory response within this timeframe, I will proceed with arbitration without further notice. 
Please send all correspondence related to this matter to the address listed above.
Product: Vehicle loan or lease

On XX/XX/2020, I purchased a XXXX XXXX XXXX, at the XXXX XXXX XXXX XXXX XXXX. 
The finance manager doctored my contract to inflate the interest payments and add a warranty purchase that I explicitly declined in the contract. 
I electronically approved the following : a ) 1.99 % interest rate for 60 months and b ) warranties and XXXX XXXX were declined. 
I noticed about a {$3000.00} increase on my first billing statement. Upon downloading the contract from XXXX XXXX, I found the terms were changed to the following : a ) 2.9 % rate over 72 months and b ) an additional {$2900.00} in principal for a warranty. 
Unable to resolve the matter working directly with the dealership, I sought legal help and had the following demand letter sent on XX/XX/2020 Warranty and Additional Finance Fees : {$4100.00}, Attorneys fees : {$2400.00} Total demand for damages : {$6500.00} A few days thereafter, the warranty was refunded. No other refunds were made.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX, and Transunion have no regards or cares for the inaccurate information they are reporting to my credit. The customer service is rude, incompetent and neglectful. I have asked for evidence they have quote received from data furnishers regarding inaccurate information on my report multiple times and they have been unable to do that. There is a combination of innacurate/not updated information on my reports as well as problems with fraudulent accounts. There's also an account on my credit involved with litigation that should not be reporting on my reports. I want the information uopdated immediately before I have to sue these fraudulent companys for violating the law.
Product: Credit reporting or other personal consumer reports

Please review the enclosed documents and eliminate any personal information that isn't mine.
Product: Credit reporting or other personal consumer reports

My Ulta Credit card statement showed {$100.00} due by XXXX XXXX. I paid the entire balance on XX/XX/year>, and I have not made any additional purchases. 

I am currently at my home in XXXX and didnt want to worry about making payments while I was out of the country. Suddenly, I got an alert this account was paid 30 days late. There should not have been any payments due since I paid the account balance in full prior to the due date. This is nonsense and caused my credit score to drop XXXX points!! 

While I don't think there should have been any payment due, I just paid the {$30.00} that Ulta indicated was past due so it would be updated to current.
Product: Credit card or prepaid card

After 3 days of payment do. This company charge my account plus the payment that is due. No 30 day grace period. Call harassing late at night.
Product: Checking or savings account

Chase bank closed my account ( XXXX ) and has been holding roughly {$6000.00} of mine for 5 months now. They say they can not verify the checks deposited. The maker of the checks has even called them and verified the checks but they are still holding the money. Every time I call them I get a different reason and a different answer. It was a duplicate check situation. They said don't worry one will bounce. Both of the checks cleared and now I am out {$3000.00} in my employer who wrote the checks are also owed {$3000.00}. They're holding our money indefinitely because they can not find registered phone number for my employer. My employer is a family business that has a nonprofit they also run attached to the main business. They have one payroll person for both businesses and one phone number. Chase says since the nonprofit portion of the business doesn't have its own phone number they will not give us the money. This is ridiculous and its been 5 months now.
Product: Checking or savings account

On XX/XX/2023 I noticed over 50 unauthorized transactions on my statement and they all were to XXXX and my debit card wasnt even linked to XXXX. The bank associated with mu account only issued a refund for {$110.00} and I was told that XXXX is trying to take that money too even though I have locked my bank account and i have contacted XXXX and they are ignoring me and my bank says that they are pretty much not going to give me my money back. My bank is Comerica bank direct express is the card linked to this bank
Product: Credit reporting or other personal consumer reports

First Advantage screening used the inaccurate reporting on my XXXX credit report to deny my tenant screening application. I have told them the following information, and provided my ID showing my name and they have said that they can see the name is not mine on the original creditor 's application, AND there is no social security number on the XXXX reporting - how is this legal? They're using information that is not mine to deny me a residence. They refuse to remove it from the screening report. 
The account info they are using from XXXX that is not mine : XXXX XXXX XXXX is reporting a collection account saying the original creditor was XXXX XXXX. I have never lived there nor applied there. My information was used to apply to this apartment, but I never lived there. My father has the same name as me. Please remove this from my credit report asap. I also want to add I contacted XXXX about the account in question. They also acknowledged this is inaccurate, along with the account reported itself doesn't have a social security number attached to it. How is this legal, how is this acceptable that it doesn't matter? 
I want this removed immediately. 
Thank you XXXX XXXX XXXX XXXX
Product: Student loan

I have reason to believe that Great Lakes reps are being unwillingly involved to delay & /or prevent my loan consolidation applications from being sent, ( transferred ), to XXXX . I have requested and ordered repeatedly for the last some months since end of 2018 for them to send all of my loans, with the exception of any direct plus loans for XXXX XXXX XXXX XXXX XXXX XXXX, to XXXX. They have yet to do so. 
XXXX mailed back my documents & application stating that Great Lakes denied them permission to process my consolidation application. Although I did hold off, I still emailed Great Lakes on several occasions, made phone calls to Great Lakes, spoke to reps, who led me to believe it was being taken care of, & specifically send notificatrions on their website, to release my loan applications for XXXX XXXX, so that the XXXX DEPT, ( who is also under investigation by " The Borrower Def,  Ref, Cancellation DEPT '', along with XXXX XXXX ... ), would be unablke to continue to service or have any access to my loans & consolidations ... 
Great Lakes even mailed me 30 pages of documents, stating that the XXXX-XXXX   DEPT forced them to add XXXX XXXX direct plus loans to my applications without my permission. They stated that they had to due to XXXX  XXXX DEPT, having jurisdiction over them! They don't have jurisdiction over me as the consolidator! I have a right to transfer my loans to another servicer if I choose. This is the matter
Product: Payday loan, title loan, or personal loan

In reviewing my checking account, I noticed that {$500.00} was deposited from " LEAP CREDIT '' on XX/XX/20. I did not solicit or sign anything for this " loan ''. This is absolute fraud and/or done in error. I feel my account info has been compromised. How do I return these funds asap? 
I contacted Leap Credit immediately and they told me to report fraud to the credit score companies. Help! 
Thank you, XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to file a complaint against XXXX XXXX XXXX  and Credit Reporting Agencies ( CRAs ) XXXX, Equifax and XXXX for violations of my consumer rights under the Fair Credit Reporting Act ( FCRA ). Specifically, these entities have breached the following federal laws : 15 USC 1681b ( 2 ) : Unauthorized access to my credit report. 15 USC 1681s-2 : Furnishing inaccurate information and failing to correct and update information. 15 USC 1681b ( 3 ) : Improper use of consumer reports for adverse actions without proper notification. 15 USC 1681a ( d ) 2 ( A ) ( i ) : Consumer reports do not include information solely about transactions or experiences between the consumer and the person making the report. Late payments and utilizations are considered transactions and experiences and should be deleted. Additionally, charge-off accounts should be excluded from my consumer report pursuant to IRS rules and guidelines, as they are considered ordinary income and income is not reported on consumer reports. These violations have negatively impacted my creditworthiness and financial stability. I urge the CFPB to investigate these infractions and ensure compliance with federal laws to protect consumers like myself. Additionally, credit scoring models like XXXX and XXXX are proprietary tools and algorithms used by lenders to assess creditworthiness and determine credit terms, but they are not factors outlined in the consumer report or governed by federal consumer protection laws, which take precedence over individual bank guidelines. I rely on the CFPB to enforce federal consumer protection laws and regulations ensuring the credit reporting practices, including those used by lenders adhere to established guidelines and do not override the protections afforded to consumers under federal law. XXXX {$310.00}
Product: Debt collection

I sent a Cease and Desist letter to Portfolio Recovery Associates because they continuously call my cell phone when I am at work. I have attempted to block their numbers but they have many different numbers from multiple states and they just call from other numbers. This is for debts that are past statute. I disputed them with the Credit Reporting Bureaus and had them removed from my Credit Report. The Cease and Desist letter was dated XX/XX/2018. It was sent certified mail. The return receipt was signed and dated XX/XX/2018. I received letters from Portfolio Recovery Associates dated XX/XX/2018, stating they were closing my accounts. I have continued to receive phone calls from them, the most recent just a few minutes ago from a new number I haven't seen before and once again at work.
Product: Credit reporting or other personal consumer reports

Experian is allowing inquiries on my credit report that were not authorized by me for the companies to run any inquiries. When I asked Experian to remove items they refused and instead closed out the complaint while sending a run around letter telling me to send them bother certificates and social security cards so they know I am the one asking for the removal. The request by them is simply to make it hard and impossible to have the items removed despite the fraudulent inquiry I am the victim yet some how they make me the problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

TRANSUNION HAS BEEN REPORTING A ACCOUNT WITH XXXX XXXX AS A REPO WHICH IS INACCURATE. THIS WAS REPORTED ON XX/XX/2020 BUT NO ACTIONS HAS BEEN TAKEN TO REMOVE. 
ALSO A ACCOUNT WITH CREDIT COLLECTION SERV IS BEING REPORTED AGAINST ME AND THATS NOT MY ACCOUNT. THESES ARE VIOLATIONS OF THE FCRA AND I WILL BE SEEKING LITIGATION IF THE TWO ITEMS ARE NOT DELETED IMMEDIATELY. IVE ALSO FILED A COMPLAINT WITH THE FEDERAL TRADE COMISSION IN REFERENCEC TO THE MATTER.
Product: Checking or savings account

On XX/XX/19 I deposited a {$3000.00} personal check drawn on XXXX Bank using the Bank of America XXXX MA XXXX XXXX ATM. The check was presented and cleared the same day. However BOA put a hold on the funds. On XX/XX/19 I showed a copy of the cleared check and the withdrawal from my account and the hold on my BOA account to the Bank Manager, he understood the issue and told me to call customer service. I asked him where my money was since it was no longer in my XXXX account and BOA has a hold on it and it is not in BOA balance. He could not answer
Product: Credit reporting, credit repair services, or other personal consumer reports

all 3 burean lowerd my credit score by iccorrectly reporting information that incorrect. Im icluding my drivers license, ssn and supporting documents. I believe because Im from another country. When I called the nade fun of my accient as if they didnt hear the words coming out my mouth
Product: Credit card or prepaid card

Barclay XXXX XXXX closed my credit card account when I was in good standing. Barclay stated my credit score was too low to leave my account open, although I have been paying every month and was not delinquent. I had a revolving credit line and they essentially turned it into a high interest rate installment loan. This should be illegal. This happened last month around XX/XX/18.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XX/XX/XXXX Collection/Charge Off XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Personal Information : Former : XXXX XXXX XXXX XXXX Address ( es ) : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Previous Address ( es ) : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Previous Address ( es XXXX : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Employers : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Employers : XXXXXXXX XXXX Employers : XXXX XXXX  Also XXXX As XXXX XXXX XXXX XXXX Also Known As : XXXX XXXX Also Known As XXXX XXXX XXXX Also Known As : XXXX XXXX
Product: Debt collection

I was receiving 2-5 calls per day. After asking them nicely to stop, the calls continued. I blocked at least 5 of their numbers but new numbers continue to call me.
Product: Debt collection

Midwest Recovery Systems XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, MO XXXX According to the Secretary of State Debt Collector Search website, this company does not have an active Texas bonding company.
Product: Student loan

In XX/XX/XXXX 2024, I was told by Mohela that I had to " recertify and switch to SAVE '' to guarantee the lowest payment when the student loan pause was previously slated to end in XX/XX/XXXX2024. My payments prior to this were {$0.00} due to my low income. Because of this, I rectified and switched from PAYE to SAVE, which resulted in my monthly payments increasing to {$460.00} as of XX/XX/XXXX24. The new federal mandate regarding the IDR Recertification Pause Extension was then released ( details about this mandate are attached ) ; this applies to my situation directly, so my payments qualify to be returned to their previous amount ( {$0.00} ). Despite multiple attempts to call Mohela and speak with supervisors over the past several months ( all of which are documented in the attached file ), my payments have remained {$460.00}.
Product: Mortgage

I have a house located in XXXX PA, my ex wife and I got divorced approx. 3 years ago. XX/XX/XXXX we placed a our house on the market to be sold, the process was going to be a short sale. The mortgage lender is Wells Fargo. The realtor is through XXXX. I had a buyer with in a week of it being on the market. The buyer agreed to pay XXXX and had a third party appraisal, appraisal came back at XXXX was appropriate. Wells Fargo did appraisal of XXXX. The realtor did comps in the area and XXXX is appropriate. The house needs work and XXXX is too high. I have documentation from other realtors stating the XXXX price is too high. Please see the attached documentation. Wells Fargo is demanding the house to be sold at XXXX and if not they re going to proceed with foreclosure. Wells Fargo is double dipping if it goes to fore closure. The have insurance for this reason then they ll turn around and sell the home. Also I work for the government and being this is a FHA loan its going to effect my employment. All this because Wells Fargo is refusing to expect the area prices of the homes in the area and is holding me hostage on a price that is unable to be achieved. The communications between the Wells Fargo and the realtor and the seller is horrible. They have dragged this out for approx. 6 months just to push into foreclosure is not right.