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

Name : XXXX XXXX XXXX : XXXX XXXX. 

XXXX XXXX erroneously reported 30 days late for XX/XX/XXXX. 

( A ) Enclosed attachment XXXX shows the due date as the XXXX of each month ... ... ..... 
. 
( B ) Enclosed attachment XXXX bank statement showing payment made XX/XX/XXXX .... 
. 
I want XXXX XXXX to remove the erroneously reported late payment for XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Logged on to the TransUnion website to get my free credit report and TransUnion ended up enrolling me in some subscription service that I do not want. Charged my credit card {$24.00}. The only reason I entered my credit card number was because the TransUnion site requested it as part of my identification! I have found online complaints of many others that this has happened to. This needs to stop. You don't ask someone for their credit card as proof of identity, and then sign then up for some subscription service during the same action. I want my {$24.00} back. 

Perhaps there was something in the fine print somewhere, but when this many people get buffaloed into " agreeing '' to this {$24.00} charge, while thinking they are only entering the information as part of an identity check, it is just wrong. 

I was able to cancel the subscription on the TransUnion website, but there is no such place to cancel this charge for something I never even knew was going to be charged. Calling TransUnion just gave me a message that " ... .there is nobody here to take you call ... '' This was at XXXX on Tuesday.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Debt collection

Portfolio Recovery called my mother and convinced her that it was urgent they sneaked with me. My mother was called at XXXX CST and frantically handed me the phone. I asked who was calling for me and the lady only gave her name repeatedly. I specifically asked who she was representing and finally said Portfolia Recovery. I 've told them to stop calling me as the statue of limitations is passed in Alabama, 3 years if I remember correctly. I 've filed a claim through a credit reporting agency as I 've never received any paperwork via mail from them. I will now send them a written cease and desist.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts and inquiries have been reported as identity theft, under penalty of perjury, they have been illegally made under XXXX XXXX name and SS # XXXX : A ) Accounts 1. XXXX Acct XXXX 2. XXXX   XXXX* 3. XXXX XXXX XXXX B ) Inquiries 1. XXXX XXXX 2. XXXX XXXX 3. XXXX XXXX  C ) Place of Employment Fraudulently reported as XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion and XXXX are showing that my past Mortgage with XXXX is showing 120 days late and a pending foreclosure. I closed on this loan several months ago and it was never late and there is not a foreclosure pending. Please contact XXXX and XXXX and TransUnion. My credit score is coming up as a XXXX and this has made it drop over a hundred points. I am refinancing my other mortgage and this is how I found out. I will not be able to refinance until this has been done. These reports with XXXX, TransUnion and XXXX needs to state that the past mortgage with XXXX has been paid 100 % and was never late. Also, fix and update the foreclosure warning.
Product: Credit reporting or other personal consumer reports

The Experian credit bureau is using my credit report improper. They are reporting an auto account that has re-aged my auto loan from XXXX.
Product: Debt collection

I received a letter from Distressed Asset Portfolio III , LLC on XX/XX/2018 stating that I owe them a debt that they purchased and they are not licensed in my state.
Product: Vehicle loan or lease

I got into a car accident where I was a victim of hit and run insurance didn't cover the accident. It wasn't until around XX/XX/XXXX of 2019 we tried to do an involuntary surrender of the vehicle, I was told by the lady who worked for the bank that holds it " sorry we don't do that. '' I called again about it XXXX days later and they finally agreed to take it I gave them the information as to what company has the vehicle. XXXX days later I go back to check in with the garage where I was keeping my car, the owner of the shop told me never got a phone call, I call the bank and gave them the owner 's number. Next XXXX days they sent an estimator out and shipped the car off to another place for the car to be sold. The shop has waived lot fees for me from XX/XX/XXXX to about XX/XX/XXXX of 2019. From that point on till the time the car was removed I paid the garage XXXX $ in fees. A couple days later I get a letter from the bank saying I owe them about XXXX $ ; XXXX $ for the transportation from the shop in XXXX XXXX, PA to XXXX, PA and XXXX $ or so for the day it was sitting there before the bank got the car. The letter also stated it will be sold within XXXX days of this letter and that I would receive a call. A month goes by I call the bank they told me the car was estimated to be about XXXX $ and they would call me when it was sold and that the car was being sent to auction in Texas. They also tacked on another XXXX $ for what they claim is lot fees from the shop out here in XXXX XXXX. It has been over 4 months since they have had the car and has been shipped to multiple auctions already and still not sold. At this point it seems as if the car may have been sold and not applying the proceeds to the loan. The shop I had it at is called XXXX XXXX XXXX XXXX. There estimate was the car is worth about XXXX $ - XXXX $ in a basic good condition, my car 's damage was to the back passenger and bad enough the trunk wouldn't close ; the estimate given for that condition is XXXX $ - XXXX $ and XXXX $ in repairs.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not apply for any of these.
Product: Checking or savings account

In XX/XX/XXXX I was a client of XXXX XXXX XXXX located at XXXX XXXX XXXX in XXXX XXXX XXXX. I opened a savings account associated with XXXX XXXX XXXX with XXXX XXXX XXXX. In XX/XX/XXXX I learned I could not start the business I wanted and choose to close the account. I got an authorization letter from the XXXX XXXX XXXX and gave it to XXXX XXXX XXXX and withdrew the funds which was about {$1500.00}. Between XX/XX/XXXX and about XX/XX/XXXX I received letters from XXXX XXXX XXXX which I never opened. About the end of XX/XX/XXXX I opened one letter and saw the account was still open. I contacted the bank and learned the account had not been closed. I began depositing money into the account up to the current amount of {$6600.00}. On XX/XX/XXXX I visited the bank to close my account. The bank refused to close it stating they needed authorization from the XXXX XXXX XXXX. I informed the manager they I was no longer associated with them. I contacted the XXXX  XXXX XXXX and spoke with XXXX XXXX. XXXX XXXX informed the manager XXXX XXXX that the program no longer existed and that the account was no longer associated with them. XXXX XXXX and XXXX XXXX XXXX still refused to close my account for the second time. I took off from work and traveled from XXXX XXXX, XXXX to XXXX XXXX XXXX  to close my account and was refused.
Product: Credit reporting

In XX/XX/XXXX, I requested a " free '' credit report from Experian online and was asked to enter my credit card for a {$1.00} charge to have the report sent to me. In XXXX, I noticed that Experian had been charging my XXXX Visa since XX/XX/XXXX for some kind of membership that I did not request nor agree to. It costs {$21.00} per month and the total charges I have paid are {$130.00}. I have repeatedly attempted to cancel the membership and reverse the charges without success. I have requested that Experian refund all charges from XX/XX/XXXX to XX/XX/XXXX, but they have refused. It is still unclear to me whether this membership ( and associated charges ) is now cancelled. There are numerous other complaints similar to mine posted on-line and they number in the XXXX. The people affected by Experian 's practices probably number in the XXXX because of the likelihood that not everyone will post this problem on line. Experian 's customer service representative admitted he received numerous complaints just like mine, but does not make and can not change " policy '' for Experian. Please put a stop to this practice. It is rampant and a simple XXXX search for " Experian unauthorized charges '' will reveal how extensive this fraud is. Thank you
Product: Money transfer, virtual currency, or money service

Starting XX/XX/XXXX, I've been in an unending cycle of unstaking cryptocurrency on Coinbase that keeps re-staking, making it impossible to close my account. Customer support is unhelpful ( see transcript in attachments ). I want to close my account and it's impossible to do so.
Product: Bank account or service

On XXXX XXXX my SunTrust account was hit for {$140.00} in NSF charges and another {$72.00} in NSF charges on XXXX XXXX. These charges where for transactions conducted on XXXX XXXX and XXXX XXXX. However, XXXX drafts came in on XXXX XXXX XXXX, that were paid prior to the transactions that were conducted on the previous Friday and Saturday. At the time the transactions from Friday and Saturday were made, the funds were available. If processed based on the time stamps of the debit card transactions, I would have been only charged {$72.00} and not the {$210.00} that I was hit with. I know transactions pend over the weekend and SunTrust pays largest to smallest, but this unethical and it is purposefully setup to maximize fees and hurts the consumer in almost all cases, whether intended or not. These unethical practices must stop. 

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

Hello, I reached out to TransUnion and XXXX  to dispute inaccurate information regarding my name, address and accounts on my credit report on XXXX XXXX and asked that they immediately send me the method of verification for these accounts. To this day, I have not received an answer from both TransUnion and XXXX.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report and noticed 3 companies that I have never heard of, or established any business with. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX . I have included they fraudulent accounts in my Identity Theft Report.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, XXXX allowed someone to impersonate me over the phone and lift the freeze on my credit. This allowed them to apply for a credit card in my name, despite me already providing all my identity theft information to XXXX. When I called the same day to check on a dispute I had placed, I discovered that another inquiry had been added to my credit report. I was puzzled as to how this could happen with my credit freeze in place. The representative informed me that the freeze was lifted because someone called in and provided my information. I expressed my confusion, especially since I had a theft report on file. The representative then told me that even with the theft report on file, they had no secure method to verify if the person had my information. I explained that it was a case of identity theft, but they responded by saying that they had no way to add an extra layer of protection to my account. This means that if someone calls in pretending to be me, there is no way to safeguard my account. XXXX did not protect my information they allowed the person acting like me to call in and lift my freeze
Product: Checking or savings account

Hello, On the day of XX/XX/year> not to long after opening my first bank account with chase, i deposit a check for probably the first time, i deposited a check into a chase ATM machine, without filing in the details paid to the order amount and the dollar amount as you can see the picture of the check attached, since i was young and new to this I wasnt really fully aware that deposit a check like this can make problems! 
A Few days later my account was frozen, when I called in chase they explained me the issue and they told me if i want the money back I need to bring the guy woh worth me the check into chase bank to confirm it, so i did so and I bring the guy woh gave me the check to chase bank, but they they started claiming that they need some documents to proof of ownership which he didnt have with him at that time, so we asked chase to at least release the money back to XXXX XXXX  from where the check was coming from, but chase refused to send the money back to XXXX XXXX 
Since then I tried calling few times chase to get something done on this matter but nothing really happened! As of now about 1 year ago chase let me open a new account by them but that money I never received back! 

Thanks for your help
Product: Credit reporting, credit repair services, or other personal consumer reports

I've requested correction of from XXXX XXXX of amounts to be adjusted to correct amount for XXXX XXXX XXXX on Equifax report XXXX and XXXX .the amount wasn't corrected after payment made was not adjusted from XXXX. I disputed XXXX XXXX XXXX XXXX whom I've never had a contract with which was sold from XXXX XXXX XXXX XXXX XXXX amount of XXXX, XXXX XXXX, XXXX amount of XXXX, XXXX XXXX amount of XXXX, XXXX XXXX amount of XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX. Social Security was provided in addition to documents showing that I had Indiana Family and Social Services medical coverage during these times. Due to the false and negative information it has harmed my credit and caused financial hardship to which it has violated my rights 15 U.S.C 1692, 15 U.S.C 1666 and ( T.I.L.A ) ( F.D.C.P.A ) XXXX  XXXX XXXX XXXX, XXXX, has settled in Lawsuit is closed was sold to XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Settlement has be attached.
Product: Credit reporting or other personal consumer reports

on my XXXX credit report XXXX XXXX XXXX XXXX total XXXX  card shows charged off account when i called them they have no records of me having this account they will not remove it from my credit report.
Product: Mortgage

I have called couple of times explaining to the mortgage company of transitioning jobs that I am financialong struggling, they did not help whatsoever, and did not give me options, I applied for a payment XX/XX/XXXX and on my bank end it went through, but they did marked it as a late payment. I asked for a name change and change of date to pay mortgage and still have gotten no response. This mortgage company is terrible, and I hope to switch out in the future when the rates become steady. Useless customer service, they don't have any option to help besides telling you to figure it out.
Product: Mortgage

PNC Bank is taking out multiple payments each month instead of one : XX/XX/XXXX {$2000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$2000.00} XXXX XXXX {$2000.00} XX/XX/XXXX. {$2000.00} XXXX XXXX. {$2000.00} XXXX XXXX. XXXX XXXX XXXX. {$2000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to XXXX Credit Bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) they are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, TN XXXX XX/XX/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 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: Credit card or prepaid card

It had been reported to all three credit bureaus that I have been late 60 days on the account. I have never been late nor have I been issued a late fee for being late. I contacted customer service for XXXX XXXX   and they confirmed all my payments by date and no late fees where issued on any of my statements, but still it has been reported as late on all credit files.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I recently reviewed a copy of my credit report and noticed the following information regarding inquiries to be in error. The Fair Credit Reporting Act states that the only permissible purpose for pulling a persons credit report is ( 1 ) a firm offer of credit, ( 2 ) insurance, ( 3 ) an application for employment, or ( 4 ) a court order.

The following inquiries are not related to one of the allowable purposes, as I have reiterated from The Credit Reporting Act. 

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 Please remove these inquiries from my credit report immediately. If any of these companies purport to have pulled my credit report with permission, then I exercise my legal right to ask for verification, including : 1 ) Name and title of the person who pulled my credit.

2 ) Date they purport that I gave permission. 
XXXX ) Method they purport that I gave permission. 

Please include documentation of said permission. 

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

I submitted by writing a dispute to Transunion and XXXX. XXXX  opened the investigation XX/XX/2021 and Transunion opened the dispute XX/XX/2021. The investigation took longer then 30 days. As of XX/XX/2021 the dispute ares still open.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXXXXXX was never late! I have had exceptional payment history witH XXXX XXXX XXXX XXXXXXXX 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 XX/XX/year>XXXX XXXX XX/XX/year> 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 XXXXXXXX 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, credit repair services, or other personal consumer reports

I have actively disputed with Transunion monthly both online and verbally about inquiries reporting on my credit report without my consent inaccurately for the past 7 months. Many of the inquiries were added to my report when my credit profile should have been locked. I have made many attempts about my credit profile accurately reporting the truth and also advised any inquiries on my profile that I have no account should be removed due to identity theft. My credit filed had duplicated inquiries and when it was brought to their attention they removed the duplicates refusing to remove the other inquiries.
Product: Mortgage

I had a loan serviced by XXXX which I had complained earlier about taking almost a year to clear the forbearance issue. They placed the payments at the end of the mortgage after I cleared forbearance then even gave me a higher interest rate. At the end of the process they sold my mortgage to Midland Mortgage after I complied with all of their requests. Now Midland Mortgage who JUST took over the loan XX/XX/XXXX is telling me that I owe them a {$1000.00} payment for XXXX of 2021 when the loan was with XXXX and I complied 100 % with Dovenmuhle during the process and XXXX told me that ALL I had to do was pick up the new payment this month with Midland. I feel that Im a victim of both Midland Mortgage and XXXX who both did a very poor and unprofessional job. I should not owe Midland Mortgage for a forbearance that was approved and negotiated with XXXX. Midland just took over the mortgage XX/XX/XXXX so how am I responsible for XX/XX/XXXX when XXXX approved this already?
Product: Debt collection

I paid off the account and changed providers. I went into stores and attempted to return a device because I could only communicate with chat bots. Store fronts are franchisees and would not intervene. When I call they claim to be a law firm. In their collection efforts they robo dialed multiple times a day. The collection account was closed on the other bureaus.