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

I filed my disputes XXXXwith Transunion and they have failed to investigate my credit report under 15 U.S.C. Sec. 1681i, since it is very broad and covers Procedures in case of disputed accuracy. 1681i ( a ) ( 1 ) ( A ), 1681i ( a ) ( 1 ) ( B ), and 1681i ( a ) ( 1 ) ( C ) covers the general investigation overview, the extension of the period to reinvestigate, and the limitations on extension of the period to investigate, while 1681i ( a ) ( 2 ) covers the promptness in how the bureaus must handle the notifications. 1681i ( a ) ( 3 ) covers if and how the bureaus can determine if a dispute is frivolous or irrelevant, all the way to 1681i ( f ) ( 3 ) where it governs how a CRA notifies a consumer through a reseller ( XXXX XXXX  ) ( XXXX  ) and others who furnish third party disputes free of charge, etc.

Also Transunion is sharing my personal data with 3rd parties such as XXXX XXXX without my knowledge or consent No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains [ subject to 12 exceptions ]. 5 U.S.C. 552a ( b ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Im new to this country this is not my account. Im new here in america. I need help. The companies told me its on me. I must contact the credit bureau. The police dept wont help they said the department isnt available due to covid. Please help and remove this from my account I dont want to loose my citizenship. I dont have XXXX or XXXX XXXXXXXX Revolving Accounts : Accounts with an open-end term XXXXXXXX XXXX Experian XXXX Account # : XXXX XXXX -- High Balance : {$830.00} {$0.00} -- Last Verified : XX/XX/XXXX -- -- Date of Last Activity : XX/XX/XXXX XX/XX/XXXX -- Date Reported : XX/XX/XXXX XX/XX/XXXX -- Date Opened : XX/XX/XXXX XX/XX/XXXX -- Balance Owed : {$530.00} {$530.00} -- Closed Date : XXXX -- -- Account Rating : Derogatory Derogatory -- Account Description : Individual Individual -- Dispute Status : Account not disputed Account not disputed -- Creditor Type : Department/Variety and Other Retail Complete Department Stores -- Account Status : Closed Closed -- Payment Status : Collection/Chargeoff Collection/Chargeoff -- Creditor Remarks : Charged off as bad debt Dispute resolved ; reported by grantor Account was in dispute - now resolved - reported by subscriber. 
Unpaid balance reported as a loss by the credit grantor. 
-- -- Payment Amount : {$0.00} {$0.00} -- Last Payment : XX/XX/XXXX XX/XX/XXXX -- Term Length : -- -- -- Past Due Amount : {$530.00} {$530.00} -- Account Type : Charge account Charge account -- Payment Frequency : -- -- -- Credit Limit : {$1500.00} {$1500.00} -- unkown unkown Two-Year payment history XXXX XXXX XXXX Experian XXXX  Account # : XXXX XXXX -- High Balance : {$300.00} {$810.00} -- Last Verified : XX/XX/XXXX -- -- Date of Last Activity : XX/XX/XXXX XX/XX/XXXX -- Date Reported : XX/XX/XXXX XX/XX/XXXX -- Date Opened : XX/XX/XXXX XX/XX/XXXX -- Balance Owed : {$0.00} {$750.00} -- Closed Date : -- -- -- Account Rating : Open Open -- Account Description : Terminated Authorized User -- Dispute Status : Account not disputed Account not disputed -- Creditor Type : Bank Bank Credit Cards -- Account Status : Open Open -- Payment Status : Current Current -- Creditor Remarks : -- -- -- Payment Amount : {$0.00} {$25.00} -- Last Payment : XX/XX/XXXX XX/XX/XXXX -- Term Length : -- -- -- Past Due Amount : {$0.00} {$0.00} -- Account Type : Credit Card Credit Card -- Payment Frequency : -- -- -- Credit Limit : {$250.00} {$800.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit reporting act convertgent account # XXXX, XXXX, XXXX, XXXX, has violated my rights. 


15 U.S.C 1681 section 602 A. stats i have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : also states a consumer reporting agency can not furnish a account without mt written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report is showing late payments on XXXX XXXX XXXX XXXXXXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX XXXX customer service representative.
Product: Vehicle loan or lease

At the end of the lease I was charged for two instances of excess wear, one for {$75.00} and one for {$85.00}. Both of these should have been covered under the lease insurance that I had through GM Financial that covered four instances of {$1000.00}. I have contacted GM Financial four times explaining this, they tell me they are going to open a claim, I call back later and they act like I have never called them before. Originally it was showing on my credit as a late payment. I disputed it through XXXX and it was shown as a charge off. I disputed that and now it's saying three months of charge off and the rest is a late payment.
Product: Credit reporting or other personal consumer reports

AS I WAS ON VACATION IN 2021, MY WALLET WAS STOLEN AFTER THE PANDEMIC. THERE ARE ACCOUNTS ON MY FILE THAT WERE NOT AUTHORIZED BY ME. MAJORITY OF MY INFORMATION WAS UTILIZED ON THE XXXX WEB. I HAVE REPORTED ALL OF THESE ISSUES TO ALL THREE BUREAUS, XXXX, EQUIFAX AND XXXX WITH VALID FTC REPORT AND POLICE REPORT.
Product: Credit reporting, credit repair services, or other personal consumer reports

reported inaccurate information about me which cause me not to get approved ID Theft victim
Product: Credit reporting, credit repair services, or other personal consumer reports

IN Accordance with the fair act this creditor had violated my rights 15usc1681 section 602 it states that i have rights to privacy 15usc1681 section 604a section 2 also states a reporting agency cant furnish account with out my written instruction 15usc1666ba creditor cant report a consumer credit late for any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to dispute this inaccurate late payment with comenity bank for months they are reporting that i have 1 missed payment in XX/XX/2019 and they still wont change the inaccurate reporting. My consumer report shows that i have a 30 day late payment when i have never been late on my comenity bank XXXX account i have called and spoke with multiple comenity bank employees who assured me that they would fix the error but they never did. I have a {$4000.00} limit with comunity bank which is paid down to a zero balance i have been nothing but patient and a good business partner with comenity bank and they still choose to report inaccurate information on my consumer report which is harming me financially and emotionally.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been a battle going through this and I am writing to delete the following fraudulent information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge nor accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not alleged in the following items listed below that have been showing on my credit report. I therefore request that you immediately remove these items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Please delete the items as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance Owed : {$6500.00} ; XXXX XXXX  XXXX Balance Owed : {$1300.00} ; XXXX XXXX XXXX  XXXX Balance Owed XXXX {$76.00} ; XXXX XXXX XXXX Balance Owed : {$160.00} ; XXXX XXXX Balance Owed : {$120.00} ; XXXX XXXX Balance Owed : {$1800.00} XXXX XXXX XXXX Balance Owed : {$1100.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ;
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently ive been shopping around in regards to buying a house. I was informed by my potential lender that there was some negative items added to my credit report recently that i have no knowledge in and is COMPLETELY INACCURATE which is damaging to my credit report, and a defamation to my character I sent out letters to all XXXX credit reporting agencies on XX/XX/23 regarding this negative account that's reporting they haven't responded back to my complaint nor have they provided me with any verification of this negative account, its been XXXX, and this issue is now a violations of my consumer rights.
Product: Credit reporting or other personal consumer reports

Hello On XX/XX/23 i pulled my credit report and seen there were some inaccurate information listed. I sent a letter to Experian to dispute some late payment information that they never responded or even acknowledged my concern. it has been well over 30 days. See attachments
Product: Bank account or service

Wells Fargo consistently changes the order of my transactions to put me in the negative and then rails me with overdraft fees. The {$300.00} charge on my account is being charged before prior purchases, as to put me in the negative, and then hand me {$35.00} overdraft fees on 3 very small purchases I had made prior while in the positive. I am about to be out {$140.00} in fees alone because of this malicious practice.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, a federally protected consumer, and I am filling this complaint against all three credit reporting bureau ; XXXX, XXXX, AND TRANSUNION for willfully furnishing inaccurate information to my consumer report. According to Congress, the banking system is dependent upon my consumer report being fair and accurate, and it is not. I have been in correspondence with XXXX XXXX XXXX regarding an account in collections. As of XX/XX/2022, XXXX XXXX XXXX has notified me that they have notified the credit bureaus to delete their tradeline ( SEE EXHIBIT B ). It is XX/XX/2022, and these collections are still reporting across all three credit reporting agencies ( SEE EXHIBIT A ). This is unacceptable and this grave error has undermined my confidence in these companies ' procedures. Not only is this inaccurate information cause my credit score to be decreased, it is INACCURATE!!! This is hindering me from acquiring property and services. This is extremely stressful during this COVID 19 pandemic. As a result of this, I will no longer be extending credit and if this negative information is not removed IMMEDIATELY, I no longer want my information reported in these companies ' databases. And I am fully aware that I have the right to opt out, which disclosure was never given to me ; another violation of my federally protected rights as a consumer. These companies did not exercise their grave responsibilities with fairness and impartiality. Congress has also made it abundantly clear that consumer reports should not include transactions between the consumer and the person making the report and the FTC defines collections on consumer reports as DEBT PARKING. This account should have never been reported to my consumer report in the first place. At this point it's WILLFUL NONCOMPLIANCE. Attached are also my utility bill and drivers license for identification purposes. Prompt response to this grave matter is requested and required.
Product: Debt collection

On XX/XX/2022, I sent affirm a dispute letter in regards to all of the loans I had open at the time. I had never been given proper notice of the loan contracts until I thoroughly read through the agreement/contract and saw significant errors and violations within those agreements. 

One particular section, the promise to pay, stood out the most. I explained to Affirm that the loans were already prepaid and them collecting on any payments further is fraudulent. The term finance charge defined by Congress in 15 USC 1605, clearly states that it is the sum of ALL charges. It also further states that within a consumer credit transaction, cash payments shouldn't be involved within a credit transaction. Yet, Affirm is collecting twice the amount of payments on every loan. 

I will attach the letter ( s ) I have sent to Affirm. They never replied back via mail but they did reply via email and all the customer representatives kept referring back to was the loan agreement. Their agreement does not supersede any federal law. Affirm willingly and knowingly chooses to violate and deceive consumers into thinking they owe something they really don't. 

I would like all of my money back from every single loan that I have ever paid for, I would like for all of the loans that Affirm decided to charge off be updated as paid in full, and for them to update any credit reporting agency they reflected these negative items on to be updated as well and removed from my report. Per the IRS, a charge is considered income and it is illegal to report that on a consumer report anyway.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX XXXX XXXXXXXX has violated my rights.

15 U.S.C. 1681 section 602 A. States I have the right to privacy.

15 U.S.C. 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my credit report. I notcied inquiries on there that I did not apply or authorized. I reached out to the credit bureaus no response. I want these inquiries removed immediately.
Product: Mortgage

I had been corresponding with XXXX XXXX, my designated Asset Manager, at Bayview Loan Servcing since XXXX of XXXX and his supervisor XXXX XXXX about completing a mortgage loan modification. I indicated that I wanted to proceed with an in-house Bayview loan modification - and not a HAMP modification, which would keep my interest rate at 2 % for a period of time, which was confirmed as an option by XXXX XXXX at Bayview Loan Servicing. Afterwards, Bayview proceeded with offering me a HAMP modification anyway. I sent a letter declining their offered HAMP modification loan, per XXXX XXXX 's request. They sent me HAMP loan modification documents anyway and I was told that if I signed them that my mortgage loan would be brought current as of XXXX/XXXX/XXXX by XXXX XXXX. After an extending period of waiting ( 6+ months for the Bayview in-house modification offer to come through without response ) and during a time of serious duress and illness, I signed the documents so that I would be brought current with my mortgage. My mortgage was then permanently modified under a HAMP modification ( with the conversation completed in XXXX XXXX ) and then my mortgage was only brought current to XXXX of XXXX. When I brought this issue to the attention of my designated point of contact at Bayview, XXXX XXXX, he said that there was a modification conversion error by XXXX XXXX and that he escalated it to his manager for resolution. XXXX promised me that if we could n't resolve the issue that he would approve me for a repayment plan and that it would be a very quick process, just a few minutes. I sent in all documentation that XXXX requested of me which included a new modification application ( from me and XXXX from XXXX XXXX XXXX ) but never heard back on resolution or a decision. I sent a formal complaint to Bayview and never heard back. I then learned that while I was working with XXXX XXXX at Bayview towards resolution of my home mortgage that a foreclosure sale was scheduled for XXXX XXXX, XXXX - which was dual tracking I believe. After I hired legal representation ( XXXX XXXX ) to assist me and humbly pleaded with XXXX XXXX to work with me to prevent my mortgage foreclosure, he had the appropriate staff at Bayview put a hold on my mortgage foreclosure sheriffs sale, and increased my past due balance from the technical amount that I am behind of {$710.00} x 11 =  {$7800.00} to {$11000.00} which includes their foreclosure attorney fees and other fees. I offered to pay my total past due balance ( excluding attorney 's fees ) which was refused. An unrealistic repayment plan was offered and refused at the recommendation of my attorney.
Product: Credit card

XXXX XXXX DATE OPEN XX/XX/year> ACCOUNT NUMBER XXXX
Product: Credit reporting or other personal consumer reports

Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), specifically Sections 611 ( 15 U.S.C. 1681i ) and 609 ( 15 U.S.C. 1681g ), as well as the Fair Debt Collection Practices Act ( FDCPA ), specifically Section 809 ( 15 U.S.C. 1692g ), I am writing to dispute the following collection account that appears on my recent credit report : Creditor/Collection Agency Name : XXXX Account Number : XXXX Amount : XXXX - XXXX : {$1300.00} Date of XXXX
Product: Money transfer, virtual currency, or money service

Filled with Coinbase : Case XXXX XX/XX/XXXX restricted from Buy/Sell and Send/Receive Case XXXX buy/trades restricted XX/XX/XXXX Case XXXX ( XX/XX/XXXX XXXX uploaded ID and picture with ( For Coinbase Trading XX/XX/XXXX ) for verification ID was approved, but am still restricted ( XX/XX/XXXX XXXX Case XXXX contact us from XXXX, and we can submit your account for a review at that time. I did contact for a review. 
Case XXXX followed your instructions for 2 step auth it does enable ( XX/XX/XXXX XXXX but still restricted from Buy/Sell and Send/Receive Received email XX/XX/XXXX that XXXX was passing information to an account specialist my take 4-5 business days XX/XX/XXXX sent email to XXXX and XXXX that it had been 5 days now and I did not get a response. I did not receive a response XX/XX/XXXX sent another email and placed another complaint on Coinbase through contact help coinbase.com that it has now been 17 days and nothing has been resolved This is all unacceptable! I want access to my money.
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat these items are being reported correctly? Who verified these items? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about
to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the items listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ITEMS? I believe you have not verified these items based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

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

Commencing on or around XX/XX/2023, I fell victim to two multi-layered scam operations run by XXXX XXXX which involved me making deposits for a total amount of XXXXXXXX XXXX from my Trust Wallet account to a fraudulent investment firm ( s ).
Product: Credit reporting or other personal consumer reports

This is my OTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX  XXXX, NC XXXX XXXXXXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXXXXXX XXXX XXXXXXXX XXXX, MD XXXX XXXX XXXX XXXX, MD XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$25000.00} XXXX XXXX XXXX Balance Owed : {$24000.00} XXXX XXXX Balance Owed : {$10000.00} XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Do not call my personal phone have started to harass my work by repeatedly calling my work phone.
Product: Credit reporting or other personal consumer reports

XXXX XXXX  and LVNV funding reached out for me to pay a debt that was sold to them. I paid this debt settlement amount in full on XX/XX/year>. The creditor had agreed to delete the tradeline once paid, however this collection still appears open and reporting as unpaid on my account. Unfortunately this lack of accurate reporting has caused denied credit applications for both a car and home. 

Additionally, I disputed this information with the credit agencies and they did not update my report accurately, leading to further adverse credit denials which are severely impacting my life. 

I am requesting XXXX XXXX  and LVNV report to the credit agencies immediately that this a count shall be deleted from all reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

After numerous disputes with Experian, they still leave a fraudulent account on my credit report. I have been disputing for years and I am still puzzled at how they are verifying the information. XXXX and XXXX  has deleted the account from my consumer report, Experian has NOT provided me ANY documentation with my signature on it.
Product: Credit card

I received a new Citi XXXX credit card and was told to go through the activation steps via their mobile app. Adding the card to my XXXX XXXX wallet directly through the link in their own mobile app apparently triggered a fraud alert that froze the account. When I called the fraud number they told me they were unable to verify me using my own phone number, the one I registered the account with, because of this fraud warning, and asked for other phone numbers to call. Not phone numbers of other people on the account, but someone with my same last name would do. This practice will undoubtedly cause *more* fraud. They are endangering their customer 's security while also denying us access to our accounts and the bonuses I am paying a {$95.00} fee for.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE TWO ACCOUNTS " DUVERA/XXXX XXXX '' ARE REPORTING INACCURATELY ON MY CREDIT REPORT. I PAID BOTH OFF IN FULL BACK IN XXXX. THE ACCOUNT IS STILL REPORTING NEGATIVE WITH A BALANCE ON MY CREDIT. I HAVE ATTACHED PROOF OF IDENTIFICATION, A CONFIRMATION EMAIL OF PAYMENT I MADE TO THEM AND A COPY OF MY BANK STATEMENT SHOWING THE CHARGES AFTER THEY TOOK THE MONEY OUT OF MY ACCOUNT. THIS IS A VIOLATION TO MY FCRA RIGHTS. THESE TWO ACCOUNTS NEED TO BE DELETED FROM MY CREDIT ASAP!! THEY HAVE BEEN INACCURATELY REPORTING FOR ALMOST 2 YEARS NOW IF NOT MORE. I ALSO ATTACHED A SCREENSHOT OF THE ACCOUNT AS SHOWN ON MY CREDIT REPORT.