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

XX/XX/2021 I received my consumer report from Transunion stating the account XXXX was verified. I sent the credit reporting agency an affidavit letting them know the account does not benefit me the consumer and that the account should be deleted. An affidavit unrebutted stands as truth. 15 usc 1681a ( 2 ) ( A ) ( i ) mentions exclusions on a consumer report. Since they stated they investigated it and it is accurate I'm asking who did they interview pursuant 15 usc 1681a ( e )? The reporting agency is supposed to interview my family and associates but they have failed to do so. They did not properly verify anything instead they continue to report and break the law by saying the account has been verified when it has not. I've also let transunion know that no factual information can be on a consumer report pursuant 15 usc1681c. Transunion continues to report an account that does not benefit me. I've never given them written consent in the first place pursuant 15 usc 1681b ( 2 ). I'm instructing Transunion to remove the account XXXX immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX a subsidiary of XXXX XXXX called to offer a mortgage. I expressly said do not pull a credit report multiple times. Caller conned me by asking for last 4 of social for ID verification. I never wanted the mortgage and I never gave consent for credit inquiry. However thats what they did. They pulled credit report causing my score to be impacted. I am applying for a mortgage elsewhere ( I was already preapproved ) but this impacts my interest. They refuse to remove the credit inquiry that they pulled fraudulently
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 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 account I'm challenging has nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXXXXXX Balance : {$0.00}
Product: Consumer Loan

onemain is on my credit report as a hardpull i have never applied with them so when i called the place to check on this the man that answered said that XXXX was the one that caused this and he just had another person with the same issue ... i said no matter what your name is on my credit report and i wanted it pulled off ... it got nowhere i called XXXX and they do n't even have me on there records ... funny thing the onemain had my file and i did n't even apply with them because he brought up a account of mine and asked what that was about ... i just want the hard pull off my report as i already have a id fraud issue going on and have to do all the foot work myself..after 53 years of raising my kids with just a bank account and debit card i apply for credit and see a whole bunch of id fraud..and people wonder why i never wanted credit ... lol here is the info, ONEMAIN FINANCIAL XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

I have a loan with the company that has been paid as agreed for XXXX years and they are reporting it as a collection with a past due status. I have submitted proof to the company and the credit agencies showing payments made on time for past XXXX years and company refuses to change status.
Product: Vehicle loan or lease

My car was stolen and is projected to be a total loss. 
My payoff amount is much less than the current vehicle payout, approximately XXXX us dollars. 
The bank is keeping all funds over what I owe them. 
The contract does not stipulate that they keep positive equity. 
They are denying a payoff request. 
The bank is profiting from me being victimized through a crime. 
Absolutely no support was given. I spent 4 hours on the phone being transferred from person to person. In the end, they said it's our car and our money. You were just renting it.
Product: Debt collection

REGIONAL FINANCE Account XXXX This item was removed from my credit report. However they did not remove off all 3 credit reports. They only removed from XXXX credit file.
Product: Debt collection

They tried to get me to verify my birthdate, my billing address and my SSN without explaining why they are calling us. 

They only give me the name of the company. I declined to verify the private information they have asked for me. 

And I have not receive any letters from them at all.
Product: Credit reporting or other personal consumer reports

I have provided documentation from XXXX showing that my account balance is paid and has a XXXX balance. I called and spoke with Transunion and was told that XXXX would have to call them personally to say the debt was cleared. Is this good business proactices after providing documentation needed?? Why does XXXX have to call Transunion? Not only was the rep rude she also told me that this would be escalated and someone would call me the same day from the XXXX Dispute department. NO ONE CALLED. I called again and was given a case number : XXXX I want my credit report updated with a XXXX BALANCE NOW! I HAVE ALSO CONTACTED THE ATTORNEY GENERAL FOR BULLYING AND UNFAIR BUSINESS PRACTICES FROM TRANSUNION. A company doesn't have to call the credit bureau to show that a debt is paid if proper documentation is provided. I HAVE AGAIN PROVIDED THE DOCUMENTATION FROM XXXX AND HIGHLIGHTED WHERE THE BALANCE IS XXXX AND THE ACCOUNT IS PAID IN FULL!!!!!!!!!
Product: Checking or savings account

I have a checking account at the following bank which is Citibank in where I have my savings, I only deposit money. I really dont use that account for any personal spendings mainly only for my savings. For security purposes I actually decided to lock my card since I really dont use that account. I put all my trust in citibank for my lifetime savings. On XXXX XXXX I decided that I was going to make a purchase for that account however as I went on over to look at my account and started scrolling I saw something unusual which were several checks being charged in my account I never have ordered checks for this account or even have authorized anyone to do so. I immediately called Citibank they filed a claim and required me to go to the nearest Citibank to follow steps they require to complete the claim, however I recently received a letter stating that my fraud claim was denied and their decision was based on the time interval between you first being notified of the transactions in question and the date you informed Citibank about the transactions exceeded thirty days.
Product: Mortgage

We applied for a mortgage on a property located one town due east and a distance of XXXX miles away from our primary residence. Our intention, which we disclosed to Wells Fargo Home Mortgage ( WFHM ), was to retain our primary residence and to rent out the property for which the new mortgage was being applied. At some point, we would demolish the structure on the property and build a new primary residence. We received a mortgage commitment from WFHM for the property. Shortly thereafter, we received notice of a very large Federal and state tax payment, as well as significantly larger estimated payments for the coming year. We disclosed the new liabilities to WFHM, including the fact that after a down payment and several quarterly estimated payments, we would essentially reduce our capital position to zero. However, WFHM somehow still argued that we could afford this other property, despite our pleading that it was not a wise decision. As a result of WFHM 's inability to issue a denial letter, the sellers disputed our exit from the transaction, settling with us for {$20000.00}. Upon further review of our loan application, we noted that, for some reason, our loan had been applied for as a " secondary residence '' loan, instead of as an " investment property. '' WFHM furnished us with definitions of both. Our intended use of the property very clearly comported with the definition of an investment property. In fact, the sales consultant who assisted us noted that investment properties carrier higher interest rates and larger down payments to offset the additional risk to the bank. In early conversations with said sales consultant, she noted she hoped for an underwriter located far from New Jersey so that the underwriter would not realize how close the properties were located to each other. She also informed a Wells Fargo relative of ours that she was not going to inform underwriting of the fact that we intended to rent the property. As a result, the application was processed as a secondary residence. We argue that the application should have been processed as an investment property. More importantly, had it been, we would have been provided with more accurate information as to interest rate and down payment, information that would have been materially different from that required under a secondary residence - information that may have had an impact on our decision making. Our decision to enter the contract was based upon inaccurate information. We were not given the chance to consider the economics of the transaction had it been processed, accurately, as an investment property. We took steps to understand how/why WFHM processed the application as a secondary residence but, to date, have been unable to do so. The initial sales consultant will not answer any of our questions. An e-mail to her supervisor went unanswered. We lost {$20000.00} in this transaction, and WFHM can not simply find it convenient enough to answer a very simple question. We believe this application was knowingly processed incorrectly to increase the chance of the loan closing.
Product: Credit reporting or other personal consumer reports

I have unauthorized inquiries on my credit report. I've been having this issue for a while now due to identity theft that I reported to the police. Inquires that weren't authorized by me : XXXX. XXXX XXXX XXXX XX/XX/year> XXXX. XXXX XXXX XXXX XX/XX/year> XXXX. XXXX XXXXXXXX XXXX XX/XX/year> XXXX XXXX XXXXXXXX XX/XX/year> XXXX. SYNCB/XXXX XX/XX/year>
Product: Prepaid card

I tried multiple times to reach the company and it was only an automatic voicemail that would pick up. Finally, today, XX/XX/XXXX, I got ahold of someone and she basically told me I have over a {$1900.00} gift card + {$150.00} giftcard that I can only use at select places. Im not going even try at a place in store because what if it declines on me? I have no idea why the cards are even declining on me. 
The cards are declining, but I get charged XXXX cents everytime it declines!!!!
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 3 credit bureaus must validate these items listed below. It is not authorized to fail to validate these reported items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX Original Creditor : XXXX XXXXXXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX
Product: Debt collection

See attached files for dates and times of communication between myself AARGON COLLECTION AGENCY and XXXX XXXX XXXX XXXX I wrote both the Furnisher and the collection agency. 

Per 12 CFR 1006.18 prohibits debt collectors from engaging in false, deceptive, or misleading representations, which includes reporting inaccurate information to consumer reporting agencies Furthermore the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) govern the reporting of consumer debt to credit reporting agencies. The FCRA, under Title VI of the Consumer Credit Protection Act, regulates consumer reporting agencies and aims to ensure accuracy, fairness, and privacy of consumer information [ 2 ]. The FDCPA prohibits debt collectors from using deceptive or abusive practices in the collection of debts, which includes reporting inaccurate information to consumer reporting agencies. 
Additionally, all of this has caused me massive emotional distress and suffering due to these companies abusing their position and violating me. My life has been a nightmare and I have suffered because of the violation of the FCRA and the FDCPA. 
In summary, I have been compelled to accept predatory loans and subsequently face credit denials due to these companies disregard to follow guidelines instead their violation of my rights highlights broader issues within the lending system, including predatory practices and barriers for me to access fair credit.
Product: Credit card

I went to Ashley Store in XXXX, PA. Was about to buy a sectional and salesman, XXXX XXXX XXXX said we could do 36 month financing, I asked if it would effect our credit because we are in the process of getting a mortgage for our new house, he said no. i filled out a couple lines of info on their computer to start the purchase process and financing, taps continue on the screen, then it says congratulations, you have a new Ashley 's credit card. We had no idea were were getting a new card we didn't want, this will effect her score, the saleman lied to us. The manager XXXX XXXX came over and said it couldn't be cancelled. The salesman disappeared and the manager just stood there saying it couldn't be cancelled. No apology. This has hurt our credit score, and now has cause issues with completing the mortgage. I asked the manager again what could be done to help, he wouldn't provide any type of curiosity adjustments or additional discounts after what had happened only extending the XXXX XXXX  discount. Spoke with XXXX XXXX XXXX on phone she forwarded my complaint to Pennsylvania corporate office XX/XX/XXXX, nvr heard a response since. 

We do not want to cancel now it would only make things worse
Product: Credit reporting or other personal consumer reports

I would like a debt verification for alleged debt which has not been provided. In addition, I would like the collectors also associated with this debt to stop reporting this alleged debt also. This is double jeopardy and is not legal.
Product: Bank account or service

Wells Fargo has charged me a {$15.00} fee in connection with an individual ( relative ) wire transferring money into my checking account. Wells Fargo refuses to refund the full wire transfer fee of {$15.00}. My position is that the fee is unfair, inequitable, and that Wells Fargo did not fully and properly advise me of this fee when I opened the account.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the late payment entries recorded on my credit report. These late payments impacted my financial management capabilities. I would like to convey to your attention that other credit bureaus have already corrected these accounts on their end. Therefore, I kindly petition that you update my credit report to reflect these corrections. 
I believe that you are required to conduct a sensible investigation into disputed items. I request that you look into these accounts promptly and make the essential corrections. The bank associated with these late payments has agreed to remove them.. 
Here are the accounts : XXXX XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Debt collection

I have written XXXX a letter informing them the information for Lobel Financial thats being reported on my credit report is inaccurate. XXXX did not attempt to resolve the issue. I also reached out to the company verifying the account is closed.
Product: Credit reporting or other personal consumer reports

the company XXXX sent me a email telling me that i am not responsible for the {$4500.00} amount. I had filed a dispute with Experian.com to have the debt removed from my credit report. and on XX/XX/year> experian stated that the creditor said the information is accrucate. This the creditor and experain has caused me to be denied loans because of this debt on my credit report.
Product: Credit reporting or other personal consumer reports

Dear Credit Agency, I am writing to formally dispute the reporting of a late payment on my credit report associated with the account listed below. As a consumer, I have the right to ensure that all information reported about me is accurate, fair, and compliant with the Fair Credit Reporting Act ( FCRA ) and Metro 2 guidelines. 
Account Details : Creditor Name : [ XXXX ] Account Type : Charge Card Date Opened : XX/XX/XXXX Highest Balance : {$110.00} Status : Paid, Closed as of XX/XX/XXXX Last Payment Date : XX/XX/XXXX Reported Late Payment : XX/XX/XXXX Based on my records, I believe the late payment reporting for XX/XX/XXXX is inaccurate. According to the FCRA ( 15 U.S.C. 1681 ), furnishers and credit bureaus must ensure the maximum possible accuracy of information reported. Additionally, under Metro 2 compliance standards, any reported delinquencies must accurately reflect the account 's true payment history. 
I kindly request a thorough investigation of this matter and the removal or correction of the inaccurate late payment from my credit report. Enclosed are copies of relevant documents supporting my dispute, including my payment records. 
Please notify me of the results of your investigation in writing at your earliest convenience. Should additional information be needed, feel free to contact me directly. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

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 XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XX/XX/XXXX 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 15 U.S.C 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, credit repair services, or other personal consumer reports

I have documents of my security freeze placed XX/XX/2021, with extended fraud protection. but still see inquiries on my account, as a Victim of fraud, Key bank, XXXX  and other institutions, used and complied incorrect information about mw with out letting me make corrections to these accounts that did not seem recognizable. these companies did not investigate this mater as I have a written letter to the data furnishers that the information I had got verified with notary did not match their records, there fore they are resorting to report the wrong information. this led to Injury to my credit report and credit score.

FCRA Section 604 ( A ) ( 3 ) was violated I can show all corresponding documentation for letters and how they have not changed the correct information for this I have been denied finical services in the pass and housing options. This creditor/Collection agency, failed to report a disputed debt to the credit bureaus. Protection under the FDCPA FDCPA Section 807 ( 8 ) I demand KeyBank complies or i will be using all documentation as evidence to show in court I have documents of my security freeze placed XX/XX/2021, with extended fraud protection. but still see inquiries on my account, as a Vitim of fraud, Key bank did not investigate this mater as I have a written letter from the data furnishers that the information I had got verified notary did not match their records, there fore they are presorting to report the wrong information. this led to Injury to my credit report and credit score.

FCRA Section 604 ( A ) ( 3 ) was violated I can show all corresponding documentation for letters and how they have not changed the correct information for this I have been denied finical services in the pass and housing options. This creditor/Collection agency, failed to report a disputed debt to the credit bureaus. Protection under the FDCPA FDCPA Section 807 ( 8 ) I
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit report shows a collection with a " XXXX XXXX  '' ( a collections company? ) allegedly related to an account with " XXXX XXXX ''. If that was a " store account '', then it is bogus as we have only opened one store accounts in the last 10-20 years ( XXXX, an account used once then closed in good standing, about 2016 ). When I disputed this entry on the report, Experian almost immediately declared it " Verified ''. I have no idea what procedure they used to verify, maybe just asked the alleged creditor? 

It is bogus and I want it off.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are two motor vehicle violations that for some reason separate violations however, those tickets are only one ticket alone. I never received the ticket listed under the date XX/XX/XXXX for " No Drivers License ''. If you take a moment and check the date on which I received the XX/XX/XXXX then also when my license was reinstated on XXXX XXXX, XXXX. My license is still valid as you can see and there hasn't been any other violations since. How could I have received a no drivers license ticket while currently holding a valid drivers license, as the background report shows. I couldn't have, and never did. 
The background check was provided by Checkr.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.