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

I filed a dispute with the credit bureau regarding a collection from XXXX that was reporting an auto loan 1 x 30 days past due. I called TransUnion to advise that this was incorrect and that I traded in this vehicle in XXXX, XXXX. I also contacted XXXX and filed a complaint. I was notified by XXXX from XXXX 's compliance team. She called me on XX/XX/XXXX and left me a message to call her back at XXXX. I called her back the same day and she advised that XXXX would update this delinquent status to current and that it would take up to 30 days to reflect this on the credit bureaus reports. Prior to this TransUnion had updated the transaction to current as my credit scores went up over 40 points. I received a notification yesterday that TransUnion updated an account to delinquent status on my credit report. When I logged in my credit report on my current auto loan and XXXX XXXX, I see that XXXX was back to negative status showing 1 x 30 days late. If TransUnion had completed my investigation and spoke to XXXX or received a response from XXXX, then TransUnion should have reflected this account as current and not negative in any way. Again I spoke to XXXX on XX/XX/XXXX. After XX/XX/XXXX my scores jumped up over 40 points. TransUnion in my opinion is doing some shady things and they are NOT verifying information and they are obtaining information illegally to be placed on consumers credit reports.
Product: Debt collection

I closed a loan with Navy Federal XXXX XXXX and a week later Navy Federal Credit Union sent a repo team to collect a car I've never owned. They had my personal information that I believe the got from the title company. I had to sign a form that they would not share my info but it appears they did. 

The person they were looking for had a different social security number and birth date. That would have been easy to check before scaring my family and have us look bad in the community.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX, and any other variations are false. Due to prior efforts in trying to update my name, addresses, explaining the identify theft Ive endured, following the consumer dispute process and doing my due diligence in written instruction to XXXX, XXXX, and TransUnion are in violation of 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

( B ) Reporting information after notice and confirmation of errors. A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I made these third-party agencies aware of the issues with these accounts below and they still refuse to comply.

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. 
XXXX XXXX XXXX : # XXXX, has violated my rights. 
XXXX XXXX XXXX : # XXXX, has violated my rights. 
XXXX XXXX XXXX : # XXXX, has violated my rights. 
XXXX XXXXt : # XXXX, has violated my rights. 
XXXX : # XXXX, has violated my rights. 
XXXX XXXXXXXX : # XXXX, has violated my rights. 
XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX XXXX  # XXXX, has violated my rights. 
XXXX XXXX Solutions : # XXXX 15 U.S. Code 1681 section 602 A. States I have the right to privacy.

15 U.S. Code 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S. Code 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish on account without my written instructions under 15 USC 1666b a creditor may not treat a payment on a credit account under an open-end consumer credit plan for any purpose. 

Subsection I state that transactions are not included in the Consumer Report
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft Again and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
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 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 XXXXXX/XX/XXXX
Product: Credit card

I am writing to dispute a billing error in the amount of {$600.00} on my account. The amount is inaccurate because merchandise was returned. I am requesting that the error be corrected, that any finance and other charges related to the disputed amount be credited as well, and that I receive an accurate statement.
Product: Credit reporting or other personal consumer reports

I have been refunded by XXXX XXXX XXXX that I received damaged from XXXX XXXX I received an email from them stating that I won the dispute and they would be reimbursing me for the previous 2 payments that I made and also canceling all future payments, but they are still reporting to Experian that the account is still open
Product: Credit reporting or other personal consumer reports

XXXX at Wells Fargo banking XXXX was charged XXXX overdraft for something for no reason. I spoke to a customer service rep, and they did not want to dispute the charge no action take was taken on their behalf
Product: Credit reporting or other personal consumer reports

In accordance to 15 U.S CODE 1601 ( charge off ) ( late payments ) XXXX XXXXXXXX account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX upgrade XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX FL XXXX XXXX XXXX, CA XXXX
Product: Mortgage

Our principal balance on this loan was down to just {$340.00}, so I sent our regular payment of {$650.00} on XX/XX/2023. They SENT BACK our payment in two separate checks by the end of XXXX! We have been disputing their claim of {$1900.00} in fees owed since XXXX of this year, and so far, they've only sent proof of 14 total late fees, which amounted to {$290.00}. Therefore, the {$650.00} we sent on XX/XX/XXXX should have paid off the loan completely! Instead, they sent back our money and kept saying we were late on our statements- and would not accept our monthly payments in XXXX, XXXX, or XXXX! Now, they have DESTROYED our credit by reporting us 30, 60, and 90 days late ; and if that wasn't diabolical and evil enough, they're also threatening to FORECLOSE on a house that we've paid faithfully on for 20 YEARS, and only owe {$340.00} on in principle!! It's unfathomable and downright dirty. They haven't produced PROOF that we owe {$1700.00} in fees ( because we don't ) or {$200.00} for a home inspection, and therefore, those fees should be waived. We have requested that proof IN WRITING for ELEVEN MONTHS, and requested those unsubstantiated fees be waived for ELEVEN MONTHS after they could NOT provide proof that we owe them. 
We TRIED AGAIN to make our payment in XXXX, XXXX, and XXXX, both online and over the phone, but they wouldn't accept our payment. I called MULTIPLE TIMES to try to get this resolved, but their " customer service '' people were always extremely RUDE and CONDESCENDING, and gave me NO OPTIONS, except to pay {$2700.00}, when we only owe {$650.00}! In the meantime, they keep adding late fees and interest, and now the unscrupulous company says we owe {$2800.00}, plus interest until the day we pay it off. Even if we did agree with the astronomical late fees, which we DON'T, we should have been able to pay our REGULAR MONTHLY PAYMENT of {$650.00} until it was paid off. At this time, making a payment FOUR TIMES our regular payment is not feasible, due to many circumstances. However, they told us we had NO OTHER OPTIONS, while STILL NOT PROVIDING PROOF that we owe the extra {$1900.00} in fees! We're not only devastated that they're trying to steal our house after we've paid tens of thousands in interest over the past 20 years, but we're also furious that the reckless and corrupt company has RUINED OUR CREDIT, after we've worked hard for so many years to make it great! If they would have provided proof that we owed the fees ( after MANY requests ) and just accepted our XXXX XXXX  monthly payment as usual, it would be paid off right now!! Instead, they DESTROYED OUR GOOD CREDIT, would NOT accept our payments, and continue to charge us interest and fees!! It's absolutely unacceptable, unscrupulous, and un-American! PLEASE HELP!
Product: Credit reporting, credit repair services, or other personal consumer reports

Attachment from XXXX first page paragraph eight states, " Your last payment prior to the loss of {$600.00} was received by XXXX on XX/XX/XXXX '' You show payment thru years XXXX when you list in XX/XX/XXXX of a 90 late payment. 

Who made these payments? 

The vehicle was total XX/XX/XXXX! 
Insurance check posted XX/XX/XXXX See attachments from the creditor XXXX See attachment for evidence
Product: Credit reporting or other personal consumer reports

i HAVE RECENTLY PULLED MY CREDIT REPORTS AND CAME ACROSS SOME ACCOUNTS THAT DO NOT BELONG TO ME AND FRAUDULENT ON MY CREDIT REPORT. I HAVE NEVER DONE BUSINESS WITH THESE COMPANIES NEVERLESS I HAVNT SIGNED CONTRACTS WITH THESE ACCOUNTS. IM REQUESTING THAT YOU DELETE THESE ACCOUNTS FROM MY CREDIT PROFILE AS THEY ARE HURTING MY ABILITY TO DEAL WITH EVERYDAY LIFE. XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX 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: Checking or savings account

Check stolen in the mail. 

On XX/XX/XXXX, I received an invoice with a late notice for over 60 days. I wrote the check to the law firm XXXX XXXX XXXX for {$1200.00} and noted in the memo line the invoice # XXXX and the attorneys name, XXXX XXXX, and I put it in the mail to send on XX/XX/XXXX. In XXXX, I received a call from the law firm asking me to check my account to see if my check cleared because they never received my payment but also that XXXX XXXX was a new attorney with the firm and due to that and the holidays the check may not have been attached to the invoice. I did check my account and it showed the check cleared. I never heard any further issue until I received the late invoice on XX/XX/XXXX. 

I contacted my CPA and got a copy of the cleared check and sent to the law firm. They made inquires within the firm about the specific endorsement on the cleared check and they learned no one by the name XXXX XXXX has ever worked at the firm. I immediately alerted my bank, XXXX XXXX XXXX XXXX ( XXXX XXXX ). XXXX XXXX gave me an Affidavit of Forgery and told me the specific endorsement is clearly fraudulent on its face. She also learned the stolen check was processed by Bank of America in XXXX, VA. Bank of America refused to provide any further details without a subpoena. I have no way of suing the thief nor filing a police report bc I have no information about where the check was presented. XXXX XXXX XXXX XXXX is insured by XXXX. Bank of America is insured by FDIC.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX the XXXX I called TransUnion and asked the representative did they receive my dispute letters by mail and I was told that they did so I asked they why were they not doing an investigation.? I was told that they didn't do investigations on hard inquiries because of the Fair Credit Act and they were deleting my dispute request and I told them that I was disputing under the 116TH CONGRESS 2D SESSION S. 3508.  To amend the Fair Credit Reporting Act to provide for disaster protection for worker 's credit : For 15 minutes I talked to they TransUnion representative begging him to submit my dispute and for the hold time I kept getting denied until I forced him to speak to someone in the United State so he rudely did, so I so connected with a TransUnion supervisor by the name of XXXX XXXX and it took him one minute too read the Bill that Congeress Passed One Minute.! And he told me that Congress did pass no Bill over looking the Fair Credit Act in America and was deleting my dispute request, I told him that the hard inquiries was destroying my chances for Life Liberty and the pursuit of Happiness, I also told him the the hard inquiries was ( did! ) destroy my chances of buying a Home, getting credit cards, and was did bring my credit score down.! I can't even get a secured credit card or pre-approved for any stability. I still got denied For TransUnion supervisor XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Over the years, I've noticed this particular credit reporting bureau has always had my credit score well below the other two reporting agencies. I noticed that a lot of information that will have a positive result for my credit score isn't being updated on my report. I have several credit cards that are missing most of the information other credit card accounts have posted. I believe I'm not being fairly evaluated each month and it's affecting my credit in a negative way that result in denials of loans and credit cards.
Product: Student loan

I submitted my Income contingent repayment plan with supporting documents ( XXXX tax returns ) in XXXX and XXXX ( see upload history and correspondence from Fedloan. I received many letters from Fedloan servicing confirming receipt and processing of my application. However I received at minimum 5 different payment plans ( see attached correspondence ). Fedloan servicing sent me an e-mail on XX/XX/XXXXstating my Income contingent repayment plan recertification application along with my XXXX tax returns were not processed in XXXX or XXXX because they need more supporting documents and to resubmit my application. I submitted a deferrment which ends XX/XX/XXXX. All of this occurred after I submitted a complaint to Consumer Financial Protection Bureau
Product: Student loan

I applied for a loan and XXXX XXXX brought out a bad report about my credit score and why the loan should not be issued to me. Meanwhile that report was far back when my bank account was used for fraudulent activities in which i reported to the bank and proper investigation was made and i was exonerated. XXXX credit still holds it against my XXXX  and has refused me from getting supports from loan companies to further my Education. 

I would like this to be reviewed and re- evaluated because my Education depends on it.
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had XXXX late payments on an account that I was never late for XXXX XXXX XXXX have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account :XX/XX/XXXX ( XXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof can & # 39 ; t be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.
Product: Debt collection

Account Details Bureau Name ERC Original Lender XXXX XXXX Account Number XXXX Account Type Not Reported Responsibility Individual Credit Limit Not Reported Highest Balance {$230.00} Date Account Opened XXXX XXXX 2015
Product: Bank account or service

I opened XXXX CD with Ally Bank five years ago the maturity was XXXX XXXX, 2016, we closed the CD on XXXX XXXX, 2016 and did not receive interest from XX/XX/XXXX till XX/XX/XXXX. I can not find my disclosure but I thought that they pay interested in the grace period. 
I called and they told me that do not pay interest because I close the account. 
Can you tell me if this is common practice?
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX Balance : {$1200.00} ; XXXX XXXX XXXX XXXX Balance : {$19000.00} ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.
Product: Credit reporting or other personal consumer reports

I am refilling the complaint to TRANSUNION about the reported data on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, and my name is XXXX XXXX. My birthdate is XXXX.I have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus. This is a proper question of data and announcing.
Product: Credit card or prepaid card

Chase Bank charged me {$100.00} for an unrequested Amazon Visa card, using an old address and a former name. I did not discover this for over a year, at which point the charges were up to {$280.00}. This ruined my credit. I was denied a loan. I am out {$750.00}. I discovered the problem after ordering a credit report.
I spoke with Chase. They said they thought I " would appriciate the Visa card, since I am a long time Amazon Prime member. '' Chase should be severely fined.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit bereaus never did a proper " investigation " according to the FCRA The term " investigate consumer report '' means a consumer report or portion thereof in which information on a consumer character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with whom he is acquainted or who may have knowledge concerning any such items of information. 

They did not do this Also, they have violated my rights even more. 

In accordance with the fair credit reporting, everything has to be 100 % accurate on my credit report. 

The Credit bereaus stated my account was properly investigation but how is that possible if the open is inaccurate, the date last active is inaccurate and the last reported is inaccurate. This is ground for removal. 

They also violated the law because according to 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. 


I did not give anyone written instructions
Product: Credit card or prepaid card

XX/XX/XXXX XXXX called concerning an online order that I never placed, so I checked my credit reports and saw a hard inquiry from XXXX on my XXXX report. Someone used my maiden name ( which is not my legal name ) fraudulently to open a card and make an online order to an address completely unassociated with me. 
XX/XX/XXXX XXXX cancels the orders that they can and refers me to Comenity bank to begin fraud report. Comenity bank has no way to speak to a person online or via phone and this has continued into XX/XX/XXXX. XXXX can not remove hard inquiry or new credit line until I can begin this process with Comenity.
Product: Money transfer, virtual currency, or money service

Hi, I have sent XXXX USD to a wrong person and asked my bank ( Wells Fargo ) to recall that amount. But they rejected me saying that the counterparty intuition is not responding. 

This wrong payment was made on XX/XX/2023 with notional {$1600.00} to XXXX XXXX. I filed dispute with WFC under claim number XXXX. But they noticed me that nothing an be done on their side after 2 weeks. 

This money is crucial for my rent payment. Can you please investigate. 

Best
Product: Credit reporting or other personal consumer reports

I was added as an authorized user to XXXX XXXX  XXXXXXXX XXXX XXXX  on XX/XX/year>. I have been removed as an authorized user for about 13 months now since Last XXXX. Thats 12 billing cycles thats passed and that account is still on my credit report. Ive been trying to get this removed from my report for months now.