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

INCORRECT SCORING DUE TO INCORRECT INFORMATION It seems that Trans Union has an issue with reporting information inaccurately, at least in my personal info. I've tried to correct it with writing them ( and sending proof ), and calling them but to no avail.

For one, my credit is in good standing with all my creditors and has been for some time ; I do have high balances ( due to bad contractors, etc. ), but am trying to lower them as soon as possible. I've never been late nor have I ever skipped a payment and try to always pay " more '' than the due amount.

I am not one to request account " increases. '' I am happy with whatever I've been granted. However, it seems that creditors, from time to time, will request information for whatever reason they deem it necessary. It's always been Trans Union to discredit my creditworthiness and, whenever someone has requested my credit information, up until today, to Trans Union I either have a " seriously delinquency, '' or " time since delinquency is too recent or unknown '' information. To them, I even have a bankruptcy ... But, no docket number or court information. Up until late last year, my credit score with Trans Union was in the mid 500s, until I sent  them proof of what they stated was holding me back from a better credit score. All my current accounts are in good standing, and have a great payment history. 

Please refer to the attached documents ( just a few ; I have more ) from creditors and note their reasons why my limits have either been lowered or was impacted. 

I sincerely would like you to investigate Trans Union as to their reporting practices and for this reporting agency to keep an accuracy of my credit scoring and information. 

Thank you.
Product: Credit reporting or other personal consumer reports

I have been a Bank of America account holder for more than 15 years. I obtained a Balance Assist loan from Bank of America using my personal checking account as I had done several times in the past. The loan was paid in full yet is listed as " charged off ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has tagged me with a phantom account and reported it to XXXX, Equifax and XXXX. I've sent each of the credit bureaus a certified letter asking them to validate this account ownership with XXXX XXXX and they have not! I also asked for the procedure used to determine the accurancy and completeness of the information for this phantom account. 

I'm having low credit rating with XXXX, Equifax, because of this phantom account that is reported closed on XX/XX/XXXX yet it's reporting a late payment on XX/XX/XXXX and a Charge Off on XX/XX/XXXX.
Product: Checking or savings account

I was discriminated and racially profiled at a branch location trying to withdraw funds and the bank teller reported suspicious activity possible fraud on my account. I am in the process of getting new home and had to take out large withdrawal deposits at different locations to pay contractors working on home. As I was told by Bank of America representatives to go to other locations if a branch didnt have available funds or to order cash. I called ahead to order cash and was told the funds was available for me to pick up. I get to the branch and the lady told me that she didnt have the funds she could only give me a lower amount than I requested. I advised I was told over the phone it was available and would be ready for me to pick up. My accounts are now being closed in the middle of getting a new home and I have no money at all. I can not finish paying my contractors or pay bills because my account is being closed and I am told they are not sure when I will be able to get my funds. I dont have not XXXX dollar at the moment. I even went to bank where I opened my account years ago to speak with manager and verify myself. They have decided to close all my accounts personal, savings, credit card, and business account.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a formal complaint againsXXXX XXXX XXXX and TransUnion. I have disputed XXXX XXXXXXXX and XXXX accounts several times but they simply refuse to validate the debt they claim I owe as requested per the FDCPA. I'm even in dispute with them via the XXXX XXXX XXXX And I've sent every piece of proof that all these credit reporting agenciescould possibly need to correct this erroneous information on my credit report yet they refuse to do so. 


Account Name : XXXX XXXX  Account No. XXXX Balance : {$170.00} - I have disputed this on XX/XX/XXXX, but I still see the date of last payment reporting inconsistently. XXXX  is reporting XX/XX/XXXX, while XXXX and TransUnion are reporting XX/XX/XXXX. 


Account Name : XXXX Account No. XXXX Balance : {$0.00} - The high balance is still reporting inconsistently. I have disputed this account on XX/XX/XXXX for the reason that the date of last activity is reporting XX/XX/XXXX in TransUnion, and XX/XX/XXXX in XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened an account XXXX/XXXX XXXX on XX/XX/XXXX and amount on the account was maxed out at {$1000.00} for a purchase made for {$1500.00}. I paid {$590.00} and the XXXX card was for {$1000.00} which was the limit. It was disputed to the Credit bureaus on XX/XX/XXXX and my credit score dropped down. I made payments 0n XX/XX/XXXX for {$300.00} then on XX/XX/XXXX payment of {$300.00} and on XX/XX/XXXX made a payment of {$100.00} showing a balance of {$300.00}. As of XX/XX/XXXX the XXXX/XXXX XXXX  account on both Trans Union and XXXX show that account with a balance of {$1000.00} and no payments having been made. My credit score has not changed. The XXXX Card shows that I have a balance of {$300.00} and three payments made. That does not show up on my credit reports. I have refinanced my mortgage with XXXX to XXXX XXXX and there is no record of that. XXXX was closed on XX/XX/XXXX and the new mortgage with XXXX XXXX does not show up. Why are the Credit Bureaus so quick and lower your scores but do not seem to correct them as soon. Thank you for any assistance.
Product: Debt collection

I am writing this complaint to express my utmost frustration and disappointment in your bureau 's failure to address and rectify a significant discrepancy in my credit report. It is disconcerting that your bureau has not taken action, especially when OTHER MAJOR CREDIT REPORTING AGENCIES, XXXX AND XXXX, HAVE PROMPTLY CORRECTED THIS ERROR. The account in question is related to XXXX XXXXXXXX, with the account number XXXX, opened on XX/XX/XXXX, and carrying a balance of {$14000.00}. XXXX and XXXX have acknowledged and resolved the inaccuracies associated with this account, demonstrating that an error was indeed present. I have previously provided your bureau with a police report from the XXXX XXXX XXXX XXXX, filed on XX/XX/XXXXXXXX  with report # XXXX. Additionally, I submitted an FTC report with report # XXXX. DESPITE THESE EFFORTS, YOUR BUREAU HAS FAILED TO REMOVE THE INACCURATE ACCOUNT. This letter serves as YOUR FINAL OPPORTUNITY TO RECTIFY THIS SITUATION BEFORE I PURSUE LEGAL ACTION AGAINST ALL PARTIES INVOLVED, INCLUDING YOUR BUREAU, for violations of the Fair Credit Reporting Act ( FCRA ). I DEMAND THE IMMEDIATE REMOVAL OF THE XXXX XXXX ACCOUNT FROM MY CREDIT FILE, as its presence is a direct violation of my consumer rights. FAILURE TO COMPLY WILL LEAVE ME WITH NO CHOICE BUT TO PURSUE LEGAL ACTION AGAINST YOUR BUREAU. I WILL NOT HESITATE TO SEEK DAMAGES FOR THE HARM CAUSED BY YOUR NON-COMPLIANCE WITH THE FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and TransUnion credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXXXXXX XXXX Date Opened XX/XX/2017 Balance {$2500.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote to your company indicating my dispute of information in my credit report. Transunion has not responded to my dispute and therefore must update my credit file. The late date which is actually submitted on my credit report sounds very inaccurate or deceptive. Under Section 614, restrictions on investigative consumer reports [ 15 U.S.C. 1681l ], you only restrict to investigate my personal file if no adverse information in my report ( other than information which is a matter of public record ) may be included in a subsequent consumer report unless such adverse information has been verified in the process of making such subsequent consumer report, or the adverse information was received within the three-month period preceding the date the subsequent report is furnished. Please remove the late payments from this account : XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On my XXXX credit reporton ( XX/XX/XXXX ) XXXX, ( XX/XX/XXXX ) XXXX, & ( XX/XX/XXXX ) XXXX inaccurately reported on my credit report and caused my credit report to drop by XXXX points.
Product: Student loan

Today is XX/XX/19, and it is XXXX XXXX  pst. My loan payment with XXXX XXXX is due on XX/XX/19. I'm trying to pay my payment on the day it's due, and XXXX XXXX XXXX has XX/XX/19 as a greyed out option for paying my bill. Therefore, I had to select the first ungreyed-out day, which is XX/XX/19. Despite paying my bill on time, XXXX XXXX forced me to pay my bill one day late, when actually today is XX/XX/19. This is illegal. They will now claim that I paid my bill late, which means it won't count as a qualifying payment towards my Public Service Loan Forgiveness plan. In actuality, I'm paying my very large bill on time. I want XXXX XXXX XXXX to accept my XX/XX/19 payment for my XX/XX/19 due date as an on-time payment. Note in the attached picture that the date on my computer, the date the bill is due, and then the date that XXXX XXXX XXXX is allowing payment ( they aren't allowing payment on XX/XX/19 ).
Product: Debt collection

Portfolio Recovery has yet again reported false information to the credit bureaus. They gave XXXX 4 new accounts and my score dropped 50 points. They did not provide any proof to XXXX that these accounts are mine. 

I contacted CFPB regarding Portfolio Recovery a few months back. They were reporting false information and has never closed the claim. When I called them about the 4 new accounts they stated that the original debt that I appealed is still open. They never provided solid proof for the first account. 

I would like to request again that they submit all documents with my signature for me to review. They continue to ruin my credit with no evidence and continue to get away with this. Thank you. 

Sincerely, XXXX XXXX
Product: Mortgage

I recently reviewed my escrow analysis for this year and I found 2 payments one made XX/XX/2023 for hazard insurance and XX/XX/2034 additional hazard but the name was XXXX XXXX  for the amount {$4000.00}. I reached out to freedom mortgage insurance and I stated I dont acknowledge this payment nor approve it. Since my home is a single family property. I asked for Breakdowns of what this has covered and time frame since this is a large amount of money. The gentleman declined to send me any documentation. He stated this how they coded the property as a condo but we its not! 

Also the gentleman reached out to homesite for past policy information and which he found was this policy was paid late by freedom mortgage and the insurance company had canceled the insurance policy. ( On their recorded line I must say ) Which I had no acknowledgment or this would have not been taken so long resolve. Until recently as XXXX I received a letter stating we did not have proper insurance coverage for the property and needed to update the policy. Which I did so and is current.
Product: Money transfer, virtual currency, or money service

I wish to file a formal complaint regarding the company BAM Trading Services Inc. hereby treferred to as BINANCE.US where I hold a trading account with assets worth in excess of {$1500.00}. 

I am disputing a {$250.00} transaction that occurred on XX/XX/2021. 

Through their online trading and direct deposit service, I requested to credit my BINANCE.US trading account with {$250.00} via ACH from my bank. BINANCE.US website service presented me with an error that the transaction failed. 

I attempted the same transaction and it succeeded. However when I looked at my bank statement, I saw that BINANCE.US had withdrawn {$250.00} on XX/XX/XXXX as well as {$250.00} on XX/XX/XXXX. Yet BINANCE.US never credited my account for the second transaction. 

There is no direct contact information or option to call or email directly so I opened a support ticket using the BINANCE.US website to dispute the {$250.00} transaction that had never been credited to my account. This support ticket has never been responded to and remains open to this date. 

After several messages sent to my support ticket did not receive responses. I informed my bank to enact a chargeback for the {$250.00} amount. My bank investigated the matter and sent me a notice saying my dispute was valid. They have since credited my bank with the {$250.00} amount. 

On XX/XX/2021, BINANCE.US sent an automatic email to me stating that a chargeback had occurred, they matched it to the XX/XX/XXXX transaction that succeeded and said nothing about the second XX/XX/XXXX transaction that was never credited to my account. The email instructed that I needed to deposit {$250.00} to restore my account to good standing. I am unable to make such a deposit since my XXXX ACH deposit ability is now frozen. They have threatened to liquidate my account holdings valued at over {$1500.00} if the deposit is not made within 7 days. Most worrying is that BINANCE.US have locked my trading account so that I can not withdraw or trade my {$1500.00} worth of assets that they are holding hostage. 

I have opened another support ticket with BINANCE.US to try and establish communications with the company but have received no response. 

I have proof in the form of PDFs and screenshots that show BINANCE.US withdraw the {$250.00} amount twice but only credit me once in their account. I also can provide a copy of the letter I received from the bank that determined my dispute is valid. 

I am requesting that you send a letter to BINANCE.US informing them that they must restore access to my trading account and allow me to withdraw my assets which far exceed the value of the dispute. 

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

To Whom It May Concern : I recently received a copy of my ( Experian ) credit report, and I noticed that you are still reporting a medical collection under the {$500.00} threshold. Starting in XXXX, medical collections tradelines less than {$500.00} will no longer be reported on consumer credit reports. Medical bills under {$500.00} are significantly more likely to remain on a credit report for longer than medical bills over {$500.00}. For patients and families who have only relatively small outstanding medical bills, the {$500.00} threshold could mean a large reduction in coercive credit reporting. 

XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX
Product: Debt collection

I do not owe this they never provide proof when requested keeps putting this on my credit report
Product: Credit reporting or other personal consumer reports

Fact, that I am requesting books of accounts and financial and corporate records regarding this alleged debt pursuant to 15 usc 44.

" Documentary evidence '' includes all documents, papers. correspondence, books o ( iccount, a a financial @ nd corporate records. " Acts to regulate commerce '' means subtitle IV of title 49 and the Communications Act of 1934 |47 U.S.C. 151 et seq. ] and all Acts amendatory thereof and supplementary thereto,. No such debt exist.
Product: Checking or savings account

There is an issue with my account closing. Due to very poor customer service at the branch in XXXX, XXXX I have decided to close the account at the beginning of XXXX. 
To this affect I also requested to have my XXXX appointment cancelled at that branch. 
However when I called WF customer service the bank refused closing of the account despite providing my credentials and explaining two last transactions including the amounts and were they were deposited to my account. WF refused to close the account despite provision of a code verifying my identity to my email account which should have established just that. It was done as currently my cell phone number ( XXXX ) is unavailable due to the carrier change ( XXXX platform discontinuation by the current carrier ) and new carrier will be able to take my service shortly. 
It is beyond me why the bank would send me a verification code by email ( apparently in bad faith ), confirm it as valid and then turn around and require another sent to my cell phone. Once again this action shows a complete disregard to the any kind of good will relationship with the client. 
The supervisor XXXX XXXX was the one demanding a code from the no longer functioning phone. It is obvious that the bank is refusing to close the account in order to accrue possible inactivity fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have written to Experian requesting they delete incorrect names and addresses five ( 5 ) separate times. On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. They will not delete the incorrect names, aliases, a/k/a or the inaccurate addresses. I have only lived at one ( 1 ) address my entire life : XXXX XXXX XXXX, XXXX, Florida XXXX  and my true name, the only name I have ever used is : XXXX XXXX XXXX.
Product: Debt collection

I went to XXXX ( XXXX XXXX XXXX XXXX ) for a semester in XXXX of XXXX. I applied for financial aid and other grants and such because I was a ward of the state and would not be receiving any aid from any type of guardian. XXXX XXXX states that if I meet certain requirements for the FosterEd program I will receive compensation for tuition at the XXXX school I would be attending. I received my bills and notices from XXXX stating that everything was covered by the financial aid I had received. I have the documents supporting this. I recently checked my credit report through XXXX in XXXX of XXXX and saw that Eastern Revenue IncXXXX is claiming that I owe them {$1000.00}. The debt is said to originate from XXXX. I have no knowledge of the debt nor did I ever receive notice that I owed such debt. I filed a dispute once and did not submit the supporting documents. They dismissed the dispute. I resubmitted a dispute with the supporting documents and was still dismissed. The first dispute was submitted XX/XX/XXXX and the other was submitted XX/XX/XXXX.
Product: Vehicle loan or lease

I have a retail installment agreement with XXXX XXXX, XXXX. ( Control # XXXX ). The company has been accepting payments for 8 months in accordance with that contract. On XX/XX/XXXX I was called into the office to get my GPS device services and the clerk, XXXX, stated that the firm had lost my financial documents a second time. After a very difficult day with the firm I agreed to a few changes in the contract given that some information had previously changed. 

Despite my car note being paid in full XXXX XXXX, XXXX repossessed my car on site with XXXX and another associate blocking in my car. I had to call the XXXX Police to regain possession of my vehicle. 

On XX/XX/XXXX I requested a copy of my complete file so that I could make sure my interest rates and loan terms did not change from the XX/XX/XXXX retail installment agreement. 

I 've made attempts to contact the firm to speak with a manager but have been denied consistently. On XX/XX/XXXX I called and XXXX hanged the phone up. On XX/XX/XXXX I called and was transferred to the maintenance department who " the manager '' ( no name provided ) informed me that the General Manager was present but would not be available to speak to me and he ( " maintenance manager '' ) had the authority to screen and gatekeeper the call. 

The documents I requested via email on XX/XX/XXXX were very specific : 1. A copy of my original retail installment agreement dated XX/XX/XXXX 2. A copy of the Privacy Notice upon signing the loan application. It was not provided to me and the managers at Car Fast Financial has made statements to XXXX XXXX XXXX about the details of my loan. I was later mocked by members of the maintenance department that I was not approved for outside lending ( how did they know that for sure? ) 3. I requested a statement from the company that Car Fast Financial has the physical possession of the title for my car. 

The company has on no way made any attempts to honor any of my requests. I 'm making a complaint in hopes that I can get the information I need in order to avoid legal action.
Product: Vehicle loan or lease

The last payment submitted to First Investors was on XX/XX/XXXX. It is now XX/XX/XXXX and I still don't have my vehicle 's title. In XX/XX/XXXX I contacted First Investors to find out what was happening with my title and the representative said I needed to contact the NY DMV. 

The next day I called the New York DMV and they said they NEVER received the title from the California DMV, where I originally purchased the vehicle in XXXX. 

So I called the CA DMV and they told me that a few months prior, Nationwide the original creditor had requested the title from them and they never saw it again. Nationwide states they have no idea what the CA DMV is talking about. So I'm still sitting here with a paid off vehicle and no title months later. At point I was First Investors or XXXX to directly provide me with my title. I can't believe I have to go through all this hassle to collect something that's legally mine. They have my most current updated mailing information.