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

Hi every week it seems to be a problem with my score going up and down. I have been paying off vehicles and credit cards and my credit score continues to decrease, and Im removing debts. I call they cant explain why this is for Transunion and XXXX. Yesterday I called XXXX because I received a notification from XXXX XXXX a 3rd party that my credit card was closed for Transunion and XXXX. I called to find out what card because I hadnt closed any credit cards. My score was reduced XXXX point for that on both bureaus. I was told in the notification it was for a credit card I never received and never had with XXXX XXXX XXXX I advised I had an account with XXXX XXXX  but didnt own a credit card with them. I called XXXX XXXX  to confirm as well. They had no cc for me. On my report it shows this same credit card was closed XXXX of XXXX. So not only did I not have a credit card with XXXX XXXX XXXX the account has been closed almost 8 years. So how can you close a closed account, you cant close an account twice. So neither of the bureaus are trying to give my points back that were taken, I put in a dispute with both bureaus already, as I was discussing it with XXXX the agent hung up on me, because she wanted to do all the talking instead of listening to my complaint. In addition to this someone from Transunion put in a request that I didnt ask for to remove my mortgage from my Transunion credit report, and my mortgage company did and that reduced my credit score XXXX points from a request I didnt ask. I requested my balance be updated, but a Transunion agent requested it to be removed, I am now going back and forth with my mortgage company to add back to my Transunion report. But these Bureaus are not customer friendly and a lot of them dont understand English well. I would like to get my credit score points back and these issues resolved. Thanks in advance
Product: Credit reporting or other personal consumer reports

I've been a victim of identity theft. My information was exposed to the public in the XXXX data breach. I have also had an ex use my information before without my knowledge. I noticed some unauthorized accounts on my credit report that are inaccurate and incomplete. This is hurting my chances at getting a mortgage and caused a lot of financial harm and difficulties for me. I need these fraudulent accounts removed expeditiously.
Product: Credit card or prepaid card

I purchased a camera for my business through XXXX XXXX XXXX XXXX. I had gotten my payment down to {$98.00} a month and the balance was around {$2700.00} in XX/XX/XXXX. My statement balance now ( XX/XX/XXXX ) is {$3600.00} with a monthly payment of {$130.00} due XX/XX/XXXX. 

No actions were taken by the company. The company seems very shady in their communications. This is a ripoff on the consumer.
Product: Credit reporting or other personal consumer reports

Why until now these negative accounts are still here it's been a while since I've done this I have filed a complaint with the FTC for these accounts why so far there is no action. And I also received a letter from the bureaus saying that I am not the one who will send the letter for the bureaus, this is wrong because I am the one who will send my letter, here are the lists of negative accounts that I want as soon as possible
Product: Debt collection

I.C. SYSTEM, INC ( Original Creditor : XXXX XXXX ) has failed to send me a response with my requested information for alleged collection account XXXX within the first five initial days of receiving my dispute. I have already been suffering enough with this inaccurate data on my credit report, I prepare ways to circumvent talking about my financial status or shortcomings with everyone from family members to co-workers causing changes in the relationships that have shaped my life until this day. The stress that comes with this alleged debt ruining my creditworthiness can not be managed. As a single mother, the financial expectations I am required to meet are unimaginable and it is a no-brainer that if I had the financial boost that good credit offers I would be in better shape to face daily challenges that come with my current predicament. 

Due to lenders turning down my applications I was forced to move out of my original state and ended up at my current address with no family or close friends to vent to leaving me visiting more social programs to help me deal with my stress and anxiety. Now that I contact this company about this alleged debt there is no response?? 


furthermore I.C. SYSTEM, INC ( Original Creditor : XXXX XXXX ) is also reporting this alleged debt as an " Account '' which is inaccurate according to USC Title 15 1693A2 Therefore at this point this collection agency is knowingly furnishing false data on my credit report in violation of15 U.S. Code? 1692e. False or misleading representations and I demand them to Cease and desistfurnishing this alleged debt and notify all credit reporting agencies to delete it immediately.
Product: Vehicle loan or lease

My XXXX XXXX XXXX was totaled in a car accident on XX/XX/XXXX. I was rear-ended which resulted in a total loss. XXXX my insurance company XXXX sent in their payment and I paid off the remaining balance of {$370.00} twice so far. The first time I paid the {$370.00} by debt card was on XX/XX/XXXX Capital on said they didnt receive it but my bank XXXX verified the debt card payment was approve immediately because the money was there and debt card transaction is immediate. So after arguing with Capital One Auto Finance and them stating that I needed to make another payment for {$370.00} to close out the account I did so again on XXXX XXXX and this took care of the remaining balance of XXXX. However today XX/XX/XXXX Capital One Auto Finance placed an other balance again for {$370.00} preventing the pay off. Also there was a refund check sent to Capital XXXX by XXXX XXXX for gap insurance and warranty coverage. I havent received a refund from Capital One and they keep charging me {$370.00}. Please review these financial documents.
Product: Checking or savings account

Went to open a estate account and asked about the bonus of {$600.00} if u open a new account and direct deposit.. well Huntington was closing soon they said come back w codes and they would honor them I did and the banker put the codes in well I was told yesterday they will not honor them because Im ineligible.. 
The only reason I went to the hassle of closing my one account where my direct deposit went and sending it over to Huntington was for this bonus!!
Product: Credit reporting or other personal consumer reports

With " Accordance to the Fair Credit Reporting Act 15 USC 1681 section 602 states " There is a duty to insure that consumer reporting agencies exercise their responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. '' XXXX, TransUnion, XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic personal information. ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 that states " In general subject subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the consumer reporting agencies XXXX, XXXX and TransUnion do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, TransUnion ( furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless, the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never was i informed of my right to exercise my nondisclosure option. Not only that 15 USC 1681 C ( a ) ( 5 ) states " Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law, 15 US Code 1681s-2 ( A ) ( 1 ) which states " 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. 15 US Code 1681 ( e ) states " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681 ( c ) of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681 ( b ) of this title. '' XXXX, XXXX and TransUnion are not maintaining reasonable procedures. Also 12 CFR 1016.7 states " That a consumer may exercise the right to opt out at any time. " I am opting out of your reporting services ''
Product: Debt collection

Stanislaus Credit Control has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
Product: Money transfer, virtual currency, or money service

I am using the Wise card for payments during my vacation trip to XXXX. 

Today ( XX/XX/year> ) I received some notifications on the app and when I checked I saw that 4 consecutive withdrawals of {$40.00} were debited from my Wise account, made at XXXX XXXX XXXX. However, I have never been to this location and did not make any withdrawals during the entire trip. 

I contacted Wise and their first response was that the withdrawals were made with the card present, which is impossible, since I have it with me and neither my husband nor I left the hotel today.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current XXXX there is some inaccurate information reporting XXXX Account Number : XXXX Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts and inquiries are not mine, I do not have access to the documents related to these accounts, but the creditors would. Please note that for some of these, I believe that a relative that may have forged my name ( or used my personal information ) in order to take out these accounts and inquiries without my knowledge, consent and permission. Therefore, please obtain all documents from any of these debts, and even if my signature appears on them, I ask that you review any notes, phone calls, bills of sale, and even compare my handwriting and signature, which I am certain you will see, is not mine. I would be happy to provide you with any handwriting samples you may need.
Product: Credit reporting, credit repair services, or other personal consumer reports

my name is XXXX XXXX my social security number is XXXX my date of birth XXXX/XXXX/XXXX. my complaint is that equifax credit address pobox XXXX XXXX ga XXXX, the office of consumer affairs at equifax keeps giving me a hard time. in disputing my negitive information thats fraud on my credit report also i stated to the office of consumer affairs that i would like the security freeze to be premently remove off my credit report, every time i call the XXXX XXXX number to speak to a equifax representive to do a dispute i give them my confirmation number XXXX then when they access my report they tell me that they have to transfer me to the office of consumer affairs every time i get connected to the office of consumer affairs executive title XXXX XXXX ofr XXXX XXXX or XXXX XXXX keep telling me that they need a ssa form from the social security administration verifiy my social securtiy number, i dont understand why there asking me to do this in order to removed the security freeze off my report or do a dispute. i ve delt with XXXX XXXX from the excutive office of consumer affair back in XXXX when i did a dispute i send in a verification lettter from the social security adminstration verify my social XXXX and a copy of my birth certificate. and they have it on file along with my drivers license copy and utility bill. over the years i call equifax to do disputes i never had a problem until know, the issue is they keep refusing to remove the security freeze from my file is also refusing to do my disputes, until they recieved the ssa form, i told them several times that the social security adminstation no longer gives the letters anymore they told me to just send in equifax a copy of my social security card. also equifax block my file from on line acces, which means that i cant do any on line dispute, example go to equifax .com click on line dispute put in my confirmation number XXXX then my personal infor then sumimit, it will tell you they cant process my dispute on live, and the reson for that is the office of consumer affairs put a dummy profile in the system so when i put in my information it wont match, they have a different data base what they do is put my social security number in the system, but changr the address and date of birth and address in differently showing a different address and birth day. so ithat i cant access my account on line and block me out also from buy credit monorting sore wath from equifax. if you try to access my report through equifax .com youll see what i mean. also i wont like you to take action againt equifax for violating my constutional rights, i have a mortage pending and i need acess to my credt report. i can be reach at XXXX XXXX
Product: Money transfer, virtual currency, or money service

I used Remitly on XX/XX/2020 to send money to XXXX. The dollar amount was {$780.00} plus {$3.00} for the transfer fee. I t was supposed to be received the same day. Reference # XXXX. According to the company the money was sent by me on XXXX XXXX at XXXX XXXX PST and was transferred to my relative he was supposed to get it on the same day at XXXX Local time. It was supposed to be deposited to his Visa card that is linked to his bank account. The money was needed for a XXXX that took place on XX/XX/2020. I kept on calling them every day and they told me it was completed however he did not received the money at all. Customer service representatives told me every single time i have to prove to them the money was not received by him they even requested a real time printing of the transactions made that weekend to prove there was no money deposited at all. After so many calls to customer service representatives they told me to send in the bank statement the money was not received at all. I complied with the request and they keep on telling me it has been internally escalated because XXXX, wich is a third party in XXXX shows it was deposited already. I am exhausted and disappointed nobody can help me in remitly at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was shocked when I reviewed my credit report and found late payment on XX/XX/2019 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Product: Credit reporting or other personal consumer reports

This is not accurate. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Loan Payoff : Wells Fargo Bank loan was originally a XXXX Loan. XXXX received a loan for {$360000.00}. The loan was meant to pay off my existing first deed of Trust which was for {$170000.00} recorded XXXX. This {$170000.00} loan was never paid off, and still remains on the house. The house has been upside down since the initial refinancing of the house. Wells Fargo refuses to correct this error. 
Subordination : Wells Fargo has subordinated these two loans, putting the larger {$320000.00} ( Recorded XXXX ) one in first position, without paying off the smaller {$170000.00} Loan. ( recorded XXXX XXXX Thus the house was always upside down Duel Tracking : According to the California Homeowners Bill of Rights, they can not file a notice of sale until after the loan modification process is completed. The sale date has been set for XX/XX/XXXX. This sale date was set during the loan modification process as well as the resolution. 
Payoff larger loan : ( which was always in second position ) Wells Fargo has not satisfied my requests. I wish to stay in the home and modify payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

My bankruptcy has been removed from all 3 credit reporting agencies as it was 10 years old, however, I had a consumer statement pertaining to bankruptcy and this statement should have been deleted once the bankruptcy is deleted. 

Transunion did not remove this statement and I believe that XXXX and XXXX   did not remove the consumer statement as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Product: Credit card or prepaid card

After years of never missing a payment on my Bank of America Visa, I missed a {$40.00} payment in XXXX because I never received a statement. I never went paperless. And I didn't receive any notification until XXXX. Then I contacted them and learned they'd been charging late fees of {$39.00} per month and have closed my account. And this shows on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by TransUnion. Despite sending them the last letter, dated XX/XX/2022, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my accounts is still on my reports. Therefore, TransUnion has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information. Below are the accounts that are still reporting on my account : XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

YOUR COMPANY IS IN CLEAR VIOLATION OF THE LAW. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATE ( b ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
Did I give you written instructions to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report CLEARLY STATES : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; DELETE THE ABOVE LATE PAYMENTS FROM MY CONSUMER REPORT, this agency is in violation of 15 USC 1681. Failure to respond satisfactorily with deletion of the above referenced account ( s ), and sending out a free copy of my report after the changes have been made will result in legal actions being taken against your company,