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

All conspired, XXXX, Equifax, XXXX, and XXXX. XXXXXXXX XXXX. XXXX XXXX XXXX and many other third-party credit collection agencies an extension of my credit using extortion. XXXX is a financial institution and from the law standpoint, it has been made very clear that an alleged banking institution is prohibited from sharing, transferring, passing around, miss handling, trading, etc. under law 15 USC 6802, a banking or financial institution is supposed to communicate with the consumer to see if the consumer want their information shared with outside corporations or not. The Consumer shall have a choice to OPT out, however ; Each of these third-party credit reporting agencies has ignored the law without consent from me as the consumer. The information had been placed on my consumer credit report without having a permissible purpose to do so. This is breaking the law, this is a violation of privacy about sensitive information that has been shared for profit with strangers. Also under law 18 USC 894 XXXX, XXXX, Equifax, XXXX, and XXXX XXXX XXXX has conspired with each of these third-party corporations to steal my information and commit a crime against me as well as use my consumer credit report to threaten, and report derogatory information as a punishment when the law states that this is a crime to do so. 18 USC 894 says whoever knowingly participates in any way conspires to do so in the use of any extortion, it means to collect or attempt to collect any extension of credit or to punish any person for the nonpayment. There of should be a fine under this title or in prison not more than 20 years. 
Conspire means someone who commits a crime, who secretly does something, who teams up with others. This has been the abusive behavior for several years on going today as all have caused theft, sold my property from one agency to the other without consent, teamed up with the credit furnishers who are prohibited from sharing, transferrin, passing around, trading, etc information without my consent or authority, they and still reporting derogatory against my consumer credit even after the law has identified that can not be done. 15 USC 1681b- credit agencies are only allowed to furnish consumer reports to those who have a permissible purpose as defined by the FCRA . There has never been any written instruction given any permission to share my information. Lastly, 18 USC 1028 Each of these entities is still breaking the law. each of these credit agencies is trading, passing around my private information for profit committing crimes against me as a consumer without lawful authority..
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent out letters certified over 30 days ago and have not been notified of the results. As a consumer I feel like these big companies are trying to take advantage of regular hard working people by not responding.
Product: Credit reporting or other personal consumer reports

I checked my credit report and noticed XXXX is reporting student loans on my credit report as duplicates and I am not responsible for this error and would like this information corrected as soon as possible as it has affected my credit score and ability to move forward with my life decisions and purchases!!! I am submitting this complaint with your company as a reference to do my due diligence to correct and remove this matter!!!! I have asked them to provide me with authenticated documentation which they have not!! This is morally devastating and wrong to all citizens being vastly affected!!! I want an outcome and a favorable one at that!!
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2020, I filed a dispute with this credit bureau about the unverified account XXXX XXXX Account # XXXX {$160.00}, {$160.00} {$160.00} {$120.00}. In those 2 months I have asked numerous times for a response into their investigation and I have not received anything in response from this bureau in over 2 months.. So now I'm contacting the CFPB to step in and help me get this issue resolved because I have not received a response from this company about these four unverified accounts as of today. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I received copies of my credit report from XXXX, XXXX, Equifax and noticed the companies reporting inaccurate information in my credit file I called the companies and disputed the accounts the companies claim the accounts was verified and continue to report the inaccurate information on my credit. I disputed by phone and mail so that I can keep complete record of all correspondence I also disputed with the companies that is reporting the inaccurate accounts. XXXX, XXXX, and Equifax claim that they have verified the accounts and that is not already one of the company 's I sent a dispute certified letter to has already been sent back to me saying that the company does not exist these bureau are allowing incorrect information status on accounts and old information to continue to report in my credit. medical collection without my HIPPA so please look into this.with these companies it is not right for them to report information that does not belong to you for the purpose of making money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent several letters asking to remove some items from my credit report. I have not received back anything in over 45 days for these accounts that are very much inaccurate and fraudulent accounts. This credit bureau is disregarding the law and taking advantage of consumers and this has caused big stress in my life as I am trying to buy a new home. The most recent certified letter I sent was XX/XX/2023. 

These are the accounts and their account numbers : Account name- XXXX XXXX XXXX Account number- XXXX Account name- XXXX XXXX Account number- XXXX Account name- XXXX XXXX Account number- XXXX In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

15 U.S. Code 1681 - Congressional findings and statement of purpose 15 U.S. Code 1681b Section 604- Permissible purposes of consumer reports 15 U.S. Code 1681c2 Section 605 B- Block of information resulting from identity theft.

15 U.S. Code 1681c1 Section 605 A - Identity theft prevention ; fraud alerts and active-duty alerts 15 U.S. Code 1666 - Correction of billing errors
Product: Credit reporting or other personal consumer reports

This account has been closed for a year but the credit report keeps saying Im late even though I have no access to this bank account. If its closed why is it showing up as late not to mention there are many discrepancies with this report such as the accuracy of payment dates etc
Product: Prepaid card

I have a Rush Card prepaid debit card, and my direct deposit posted to a card that I do not have nor exists, but suddenly showed up in my account after their " glitch '' on XXXX XXXX, 2015. I can not transfer my funds onto my actual debit card because the " card '' that my funds were deposited on is inactive. It 's inactive because it does not exist. I called member services through rush card and was told that my issue was escalated as high priority and within 24 hours they would transfer my funds to my actual account so they will become accessible to me. Instead. It 's 72 hours and nothing has been done. I keep getting the run around, and no one from their customer service can tell me how I can get hold of my money. My bills are do, my daughter needs food, and they refuse to help me transfer my funds out of this inactive card. I understand they did have technical difficulties over a week ago, but it 's been 11 days and their systems are still inactive and holding consumers funds? All I need is my funds transfered so I can withdraw my money.
Product: Credit reporting or other personal consumer reports

Transunion will not allow me to get my credit report nor will they allow me to dispute incorrect items. I have tried over and over again to dispute late payments that are being reported incorrectly... I finish and upload documents then it says unable to dispute for the las 2 months. 
The items I want to dispute are listed below : Account # : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, This account was paid in full and never late I found no evidence of a late payment for account XXXXXXXX XXXX XXXX XXXX in XXXX as this was paid in full by XXXX. Please update to " paid as agreed, never late. '' and remove the late marks for XXXX 

Account # : XXXX XXXXXXXX XXXX XXXX XXXX This account was paid in full and never late I found no evidence of a late payment for account XXXX XXXXXXXX XXXX XXXX in XXXX, XXXX. Please update to " paid as agreed, never late. '' and remove the late marks for XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Transunion at XXXX on XX/XX/XXXX and Spoke with US Representative named XXXX. I phoned Transunion because between XX/XX/XXXX and XX/XX/XXXX and again between XX/XX/XXXX and XX/XX/XXXX TransUnion experienced a database computer glitch. When the glitch occurred it caused my inquires to be deleted from my report. The glitch was TransUnion 's problem, not mine. Later when checking my credit I noticed TransUnion illegally reinserted all of the inquires back onto my credit report without giving me the legally required written notice within five days prior to them reinserting the inquires. I contacted TransUnion in good faith and requested they delete the inquiries that had illegally been reinserted without proper written notification and in violation of FCRA. Not only did XXXX refuse to delete or even investigate, he instructed me to contact the creditors directly and have them write me an inquiry removal letter and then send it the TransUnion. The inquiries that have been illegally readded has caused a hardship and is making it difficult for me to get a pre approval for a home loan. My rights have been violated byTransUnion. Im filing this claim to beg for your help, please make TransUnion stop victimizing me and others.
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous letter dated [ XX/XX/year> ], in which I requested the correction of inaccurate information on my credit report regarding incorrectly reported late payments on, auto loan, account [ XXXX XXXX XXXX account number XXXX ]. To date, I have not received confirmation of the correction nor observed any changes in my credit report. 

I am writing to file a formal complaint against XXXX XXXX XXXX due to the lack of response to a credit dispute letter I sent on [ XX/XX/year> ]. Where XXXX XXXX XXXX violated my rights by law, that it did not respond to me in more than 30 days as stipulated by law, where I requested that it provide me, in writing, the reasonable procedures [ according to 15 USC 1666 ( b ) ] that it has adopted to ensure that each periodic statement is mailed to me ( the consumer ) no later than 21 days before the payment due date. Also include all information required by section 1637 ( b ) of Title 15. 

As stated in my previous correspondence, according to 15 U.S. Code 1666b, creditors must send periodic statements, including all information required by section 1637 ( b ), at least 21 days before the payment due date. This requirement ensures that consumers have sufficient time to receive, review, and make necessary payments without being unfairly penalized for late payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX bankruptcy XXXX all ftc violations needs to be removed
Product: Credit reporting, credit repair services, or other personal consumer reports

IM WRITING THIS LETTER ON MY OWN. I swear all information provided within the attachment under the penalty of perjury is true and accurate to the best of my ability and knowledge.
Product: Checking or savings account

I suffered severe financial damages as a result of my deposits being held by Wells Fargo. I deposited a check on XX/XX/XXXX but Wells Fargo held the entire amount of the check ( {$6000.00} ) until XX/XX/XXXX indicating that my check was not endorsed. My financial obligations suffered adverse credibility because my check deposit was inordinately held. No advance payment was made to me on depositing the check. 
Many of my scheduled payments from my account with XXXX XXXX XXXX were returned and I had to pay several overdraft charges because Wells Fargo held my money. My utility charges, auto payments, and mortgage payments became delinquent and I believe my credit score was also adversely affected. I had many interest charges for late payments including late registration and a late fee for my child 's school. My family suffered serious deprivation as I was not able to meet my obligations to my sons and wife during the crisis caused by Wells Fargo. 
I have never had a check declined and I knew this check was valid and authentic but I was not given an opportunity to prove this. Regarding my inability to endorse the check, I requested the bank to call me to any branch in XXXX to verify that the check was deposited by me but my request was declined and Wells Fargo did not take any steps to mitigate my financial hardships until their predetermined date to release my funds. The company did not take any action to meet my requests for verification or return my check. I feel I was treated like a fraudulent person without an opportunity for a hearing. Wells Fargo simply predetermined when they wished to release my fund and held it until they so desired to release it without any regard to the hardships I was going through. 

One of the customer representatives had indicated that Wells Fargo would call the bank issuing the check for verification and availability of the money on the XX/XX/XXXX and the funds made available to me after an overnight processing on the XX/XX/XXXX but this did not happen. My checks with the bank that issued the check revealed that Wells Fargo did not contact them as of the XX/XX/XXXX to ascertain the authenticity of the check or availability of the money for payment of the check
Product: Checking or savings account

I received a TD bank statement period XX/XX/2022 to XXXX XXXX with a stimulus check deposit of {$1400.00} on XXXX XXXX. 
I went to TD bank on XXXX XXXX in XXXX XXXX on XX/XX/2022. The information on the checking account was using my social security number, date of birth, and address. 
The initial bank account that I opened was a student savings account and not a checking account with a minium balance of {$20000.00}. TD bank contacted the fraud department today. It seems the stimulus check was written out to someone else and deposited into my account of mine that I thought was closed out years ago. 
Two checks were written off this account and deposited into a XXXX  XXXX XXXX account at the end of XXXX and beginning of XXXX. 
Please rectifiy this situation
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, Experian re-added previously disputed late payment information, removed in XX/XX/XXXX, to my credit report, causing my score to drop twice. Additionally, a comment from the creditor stating the account was never late was removed.
Product: Bank account or service

On or about XXXX XXXX, 2015 I had a teller assist me in closing my checking account. On XXXX XXXX, 2015 I determined PNC had accepted an automatic deposit on my behalf. I returned to the bank and spoke with XXXX XXXX. He zeroed the account and " closed '' it. On XXXX XXXX, 2015, I determined that PNC had once again accepted a deposit on my behalf and had also returned an automatic debit on my account as Non Suffic ient funds as opposed to " closed account ''. On XXXX XXXX, 2015, I went to the bank and again spoke with XXXX XXXX, explaining I needed PNC to reject the automatic deposit so the deposit would default to a different account. XXXX XXXX entered into the system a No Debit or XXXX to the account. He also agreed to refund XXXX of the XXXX service fees. XXXX XXXX stated he would need his manager, XXXX XXXX, to authorize the refund and did not foresee any problems. I left PNC believing the issue was resolved. Later that day, XXXX XXXX telephoned me and stated XXXX XXXX would not authorize the refund of the service fee. After speaking with XXXX XXXX, I contacted the office of the Comptroller of the Currency, U.S. Department of the Treasury. The representative referred me to the Consumer Financial Protection Bureau. I spoke with a representative of CFPB and determined I should file a complaint. On XXXX XXXX, 2015 I informed XXXX XXXX of my intent to file a complaint if the issue was not resolved. XXXX XXXX said he would once again talk with XXXX XXXX on my behalf. He telephoned later and stated XXXX XXXX would not authorize the transaction. It is my understanding a closed account means no transactions to the account. If I am incorrect in my understanding, I would like someone to explain to me the definition of a closed account. If I am correct in my understanding, I would like to know why items were posted as NSF as opposed to Closed Account and have the service fees refunded.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with XXXX XXXX XXXX XXXX, XXXX XXXX, and PENTAGON FEDERAL CR UN. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, and PENTAGON FEDERAL CR UN with no successful resolution. There was definitely an error on their part.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2020 at XXXX XXXX  Delivered to Agent for Final Delivery XXXX, PA XXXX i contacted credit reporting agency about a fraud on my report. agency did not follow protocol as needed to remove fraudulent account
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX 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 in to be removed. 

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 21 days before the payment due date. 

XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). 

I have requested proof that this information was mailed or delivered 21 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! 

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

I have fraudulent credit cards opened in my name which needs to be removed from my credit file. I am still a student graduating soon and had no idea there were fraudulent credit cards opened in my name.
Product: Student loan

I received a message in XX/XX/XXXX from my loan servicer ( XXXX ) stating that a request had been submitted to US Department of Education for a refund on my payments made in XX/XX/XXXX. I have yet to receive my refund check. I am not able to get any information on when this will come. The payment has already been revered on my account but I have no refund.
Product: Credit reporting, credit repair services, or other personal consumer reports

Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by Equifax Data Breach here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

The following items need to be removed and blocked as they are fraudulent. 

1. there is some inaccurate information reporting. 
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: Money transfer, virtual currency, or money service

Paid for items not received. Seller will not refund. PayPal, the company, will not resolve issue despite filing a dispute.
Product: Mortgage

My home flooded during Hurricane Harvey. I have flood insurance even though it was n't required. Suntrust is my mortgage company and it has been nothing but misdirection and half truths to deal with them. My home is 97 % repaired, they require 90 % or greater to realease additional insurance funds. I spoke on the phone today to a manager and he informed that the remaining countertops were structural and until the contractors paid invoice is submitted and the home is inspected again, no money will be released. Everytime I speak to Suntrust reprensentatives they tell a different story. They have made the process of getting my insurance money worse than the Hurricane was.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are numerous of accounts that are listed on my credit report. I don't recognize any of them as I was a victim of ID theft. 103 Claims true identity fraud/account fraudulently opened. Please remove this data from my credit reports. Thank you.
Product: Vehicle loan or lease

I bought the gap insurance when I purchase my car in XX/XX/XXXX. The dealership XXXX XXXX told me that it would pay off the remainder of the loan when the insurance wont pay no matter the balance. Well the car was totaled on XXXX the XXXX this year. I owed XXXX on the car. XXXX XXXX paid XXXX. XXXX  on XXXX gave me XXXX dollars. I contacted the company and they said they would recalculate the check but I needed to cancel my vehicle service agreement. So I went to the dealership and canceled it. Got a call from the lender First Tech Federal Credit Union telling me XXXX  was not going to cover the remaining balance because there was negative equity in the car. I was not told this at the time I purchased the car. They told me that they would pay off the remaining balance. I was scammed and they took my money and lied. Now I have to XXXX, because that will not pay.