23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I file my dispute letters to the credit bureau of XXXX, XXXX, TransUnion, over XXXX times and no results of inaccurate information on my file, they are violation my consumer rights, Charged Off accounts -15 US Code 1601 Collections 15 US Code -1692C Late Payments - 15 US Code 1666b Hard Inquires - 18 USC 1028A Which these agencies is at fault of 15 USC 1681n,, which can result in Civil Liability
Product: Credit reporting, credit repair services, or other personal consumer reports

I have good credit scores as in XXXX with my reporting agencies. 
TransUnion just dropped my score to XXXX as I had a new XXXX card with XXXX who didn't report a limit. 
Instead of viewing that as a great thing with XXXX trusting me with credit they reported against me. 
Please investigate this with TransUnion, another way to try to get me to pay more with credit problems. My scores should have gone up not dropped XXXX points!! 
this is the only thing that changed with them. 
XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian, XXXX and XXXX have not processed my dispute in the last 50 days. They are now in violation of several different FCRA codes.
Product: Debt collection

Meridian # XXXX & Meridian # XXXX are time share association dues. The Time share is my ex husband 's ( XXXX XXXX XXXX XXXX ) and I have signed over my shares/rights to him. This should not be on my credit bureau for association dues that I am not responsibility for. I have made several attempts to contact Meridian and XXXX in an effort to resolve but they are not willing to cooperate but only get the run around.
Product: Student loan

Every time I had trouble making payments, the reps at Navient advised me to take a forbearance and stated " it 's okay, just put your payments on hold and then try to begin payments in a year or so ''. The additional interest rates that added to my total balance make it so much harder to pay down my balance. I switched to another lender ( XXXX ) and they have me on an reduced payment program. I feel that the interest added on by Navient should be removed so I can responsibly pay off my debt.
Product: Credit reporting or other personal consumer reports

To whom it may concern, After recently pulling a copy of my credit report, I was shocked by what I discovered. I noticed there were late payments that are reporting on my credit report that 100 % SHOULD NOT be being reported on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX I say this because, the law states that at no point should there be a late payment reporting my consumer report & should not include any transactions or experiences between me the consumer and any person making a report. Furthermore, I never gave any consent for these alleged transactions. 
These are clear violations of my consumer rights under 15 U.S. Code 1681a, 15 U.S. Code 1681a1 and also 15 U.S. Code 1666b Please reverse these late payments from my consumer report and update this account as soon as possible. 
XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

This is in respect to an error made by PNC Bank in processing a balance transfer from XXXX XXXX. 
In XXXX of XXXX, I submitted a request to PNC Bank for a VISA card. At the same time, I submitted a request for a credit card balance transfer from XXXX XXXX to PNC. On XX/XX/XXXX, a debit was made to my XXXX XXXX account ( it actually posted on XX/XX/XXXX ) in the amount of {$6100.00}. In addition, a special rate offer fee was charged to my account in the amount of {$120.00}. This was the exact opposite of what should have happened. Had my balance transfer been handled correctly by PNC Bank, XXXX XXXX would have received a check from them in the amount of {$6000.00}, and when combined with the payment of {$3400.00} that I arranged to be paid from my PNC checking account, payments of {$9400.00} would have been received by XXXX XXXXXXXX by XX/XX/XXXX, which would have brought the amount due on my XXXX XXXXXXXX credit card account to {$0.00}. 
Upon discovering the error, I contacted PNC and spoke with a customer service representative. They assured me that the error would be corrected. My VISA card balance with PNC was corrected. However, they failed to return the money they received from XXXX XXXX to XXXX XXXX. 
I arranged to meet with the local PNC Branch Manager ( XXXX XXXX, FL ). After explaining the situation to him, he contacted his designated point-of-contact for such issues. During the meeting, I also spoke with this person, and was assured that two checks would be sent to XXXX XXXX -- -one to repay the original {$6100.00} that was sent to PNC due to error on the part of PNC , and one for the balance transfer I had originally requested in the amount of {$6000.00}. 
On XX/XX/XXXX and XX/XX/XXXX, XXXX XXXX received two payments of {$6000.00} from PNC Bank. As previously stated, one payment was supposed to be for repayment of the {$6100.00} they erroneously requested. The second payment was to be for the original balance transfer request I made to them. So, other than the balance transfer fee that XXXX XXXX charged me through PNCs error ( {$120.00} ) and the discrepancy in the amount received by PNC originally and the amount they returned to XXXX XXXX ( {$97.00} ), I had been made whole. 
On XX/XX/XXXX, my wife forwarded an e-mail message to me that she had received from XXXX XXXX. The message indicated that PNC had requested that an amount of {$6000.00} be returned to them, which XXXX XXXX honored. This has resulted in my XXXX XXXX credit card balance increasing by that amount with no corresponding decrease in my PNC credit card. I contacted the Branch Manager on XX/XX/XXXX to inform him of the situation and requested his assistance in correction of the error. As of the date of this complaint, I have not heard from him. 
I am requesting assistance in getting this issue resolved. While I am not attaching documents at this tie, I have all documents necessary to show the payments received by XXXX  XXXX from PNC and vice versa.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent information pertaining to my identity being stolen -- however, the credit bureaus and furnishers have not removed the information. This is severely hampering my ability to obtain credit. The letters were sent certified mail at the beginning of XXXX.
Product: Vehicle loan or lease

I have a case with consumer affairs and we got a agreement to settlement agreement and release I signed in front of a attorney and they send me the check but till now since XX/XX/2023 I havent received my title and XXXX XXXX there saying Im behind payments and that the check that they send me was canceled but I cash it in XX/XX/2023 thats impossible I try to talk to them and have a supervisor to call me till now after 5 months havent received any answers only that I own XXXX $ and my car is ready to towed
Product: Money transfer, virtual currency, or money service

On XX/XX/2021 a Navy Federal Credit Union representative would not process my domestic wire transfer to my Daughter for her upcoming Hawaii vacation. The initial representative that I gave all of my information to, said she would place me on hold & gather paperwork to proceed with my wire transfer. She transferred me instead to a Supervisor who stated that I never transferred money to my Daughter. I told them that this was my 5th or 6th time doing it. The supervisor didn't believe that I have processed a wire in the past. After a third degree 30 min conversation the wire was finally processed. This is the worst customer service I have ever experienced with Navy Federal Credit Union.
Product: Payday loan, title loan, or personal loan

Someone posing as an agent of Lending Tree told me I was approved for a {$500.00} payday loan I applied for. OnXXXX XXXX, they called my bank pretending to be me and made a fraudulent claim about an ATM deposit not being credited. The bank issued a temporary credit in the amount of {$1300.00}. The lender said to XXXX XXXX  them {$830.00} and the remaining {$500.00} was my loan amount. They said it would boost my credit score.  I did it. I just saw the credit in my account, the agent went over terms with me, I thought it too be legit. Now my bank account is overdrawn {$1300.00}, and they have closed all my accounts. The agent wont answer my calls
Product: Credit reporting or other personal consumer reports

Transunion XXXX and XXXX has lowered my credit score by XXXX points during the late XXXX and XXXXXX/XX/XXXX months. The Credit Bureaus has altered my score with the information that my school loan was scheduled for repayment back in XXXX. When actually I don't have a schedule repayment untilXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and discovered an unauthorized inquiry from XXXX XXXXk dated XX/XX/year>. I did not apply for credit or authorize this inquiry, which means it was made without my consent. Under the Fair Credit Reporting Act ( FCRA ), inquiries must be initiated by the consumer or have proper authorization, and I have not given such consent.
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 and incomplete that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate and incomplete 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 starting with the List of accounts. If not, please remove it from my credit report Immediately.

Inaccurate and Incomplete Information 1. 15 U.S. CODE 1681N - CIVIL LIABILITY FOR WILLFUL NONCOMPLIANCE XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

2. 15 U.S. CODE 1681N - CIVIL LIABILITY FOR WILLFUL NONCOMPLIANCE XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

3. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account Number : XXXX Delete this account. 

4. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX Account Number : XXXX Delete from my Credit report. 

5. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process XXXX was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act 89 ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress ( Block, Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

XXXX notified me of a XXXX XXXX dollar loan and a XXXX XXXX dollar loan showing on my credit report with Solar Mosaic LLC. Neither loan is mine and I have disputed them with each of the credit reporting institutions. I called Mosaic and they said they can not find me in their system. ( because they are not my loans ) The loans are for solar installation and I don't have XXXX. I also live in XXXX  and the loans are for XXXX. I also have a new XXXX address on my report that does not and has not ever applied to me. I have never lived in XXXX. I have not cosigned for either of these loans but can not get anyone to help me get them off my credit report. My credit has gone down from close to an 800 credit score to XXXX because of these two loans showing on my credit report and I work hard to keep a high credit score. Can anyone please help me get this resolved please?
Product: Checking or savings account

Bank froze both my bank accounts for XXXX week in early XX/XX/year> caused payment to my landlord to bound. Bank failed to notify me of the accounts being frozen and found out only after payment to landlord bounced this caused a huge headache for me for sure.
Product: Credit reporting or other personal consumer reports

This is NOT a duplicate report and this is not filed by a Credit Repair Agency. In accordance with the Fair Credit Reporting Act XXXX. 

After reviewing my submission I noticed that the Credit Bureaus stated that my accounts were properly investigated, that can not be possible because some of the open dates are inaccurate, the dates last active are inaccurate and dates last reported are inaccurate? These inaccuracies are grounds for removal whereas : The Credit Bureaus also violated my rights under 15 U.S.C. 1681 section 602 A. States I have a right to privacy. 
15 U.S.C. 1681 section 604 section 2. States a consumer reporting agency can not furnish an account without my written instructions. 
15 U.S.C. 1681 n ( A ) ( 1 ). States any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00}. 
15 U.S.C. 1681 section 603 ( 3 ) ( E ). States the term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained from a creditor of the consumer or from the consumer. 
15 U.S.C. 1681 b ( a ) ( 2 ) Subject to subsection any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions to the consumer to whom it relates If the following accounts are not removed immediately I will be reporting your company to the XXXX and I will be contacting the Federal Trade Commission, and I will be filing a lawsuit against your consumer reporting agency for violation of privacy and pain and suffering. 

Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Furthermore, please provide the following : 1, The Original Contracts with my signature on it 2. Creditor information ( Name, Address and phone number of original merchant ) 3. The payment history and itemized billing associated with each account 4. Proof of Ownership ( Proof that the company trying to collect this debt has authorization to do so ) If you cant provide these four things for all of the above accounts then please delete these accounts immediately. Thanks
Product: Debt collection

I never went to school at this place so Im not sure how do I have a bill here!! Havent been enrolled at a school in years!!!
Product: Prepaid card

On Monday, XX/XX/XXXX I received a {$250.00} XXXXXX/XX/XXXX from the management office in the XXXX XXXX XXXX in XXXXXX/XX/XXXX I had won the gift card in their recent social media giveaway. The card was activated on site. 

On Thursday. XX/XX/XXXX I attempted to use the gift card on XXXX to purchase some items. My total did not go over the amount of the card ( {$250.00} ). The order was declined and I received an error message saying there was a problem authorizing the purchase. I tried once more, with the same result. 

I logged onto the website listed on the back on the card to confirm the balance. I saw that for each time I tried to complete my XXXX order, XXXX cents had been taken off the card. So now my balance is {$240.00}. 

I saw a message saying that if I was having trouble using the card online, I should try to to register it with my name and zip code. I tried to do that with no success. I got an error message that said I had to register by phone. I called the number given and was connected to American Express. I explained the situation to the representative who told me that her department only registered cards that were issued before XXXX. She transferred me to another department. I explained the situation to this second representative, who informed me that my card did not need to be registered, and that there was no way for her to register it anyway. She did not offer any alternative solutions to help me use the gift card.
Product: Credit reporting or other personal consumer reports

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the Experian and XXXX credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX Balance : {$30000.00}
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, Citizens pay bank reported to XXXX XXXX that my account closed as they are no longer doing business with XXXX. I was notified prior that they would no longer be collaborating with XXXX and would not be able to use my line of credit to purchase new equipment but would still pay the account off which rightfully so, I owe them. However the account is not closed, my credit score dropped about XXXX points and I made a dispute through XXXX and XXXX which led me nowhere. The problem is that I have been making payments and have never missed XXXX payment as it was set on autopay, and they are not reporting to credit bureau which has hurt my credit. I have spoken to numerous departments with Citizens pay and their credit department was to reach back out. Since XXXX of XXXX and most recently this XX/XX/XXXX, they have failed to communicate back with me. I have also found that I am not the only XXXX as my research on XXXX shows many others in my same situation. 
Tonight XX/XX/XXXX I looked on the web to see if citizens was under any investigation and one article led me to CFPB and this how I am filing a complaint. 
I also have a screenshot showing the account was closed on XXXX XXXX if necessary. 
What more do I need to do to resolve this issue? Please help. 
Thank you
Product: Debt collection

XXXX XXXX assigns and transfer a deed of trust from XXXX XXXX XXXX to Bank of New York Mellon a deed of trust instrument # XXXX recorded in XXXX XXXX records in California on XXXX. 
The address and information in this assignment is from debt collector, The debt collector XXXX XXXX XXXX XXXX  made false representation about, this assignment. 
XXXX XXXX XXXX  are collecting on a trust that is been charge off on XXXX and when they receive the debt was already on time bare to collect. 
I want bank of New York Mellon to release this loan that is not in their book entry. 
And XXXX XXXX XXXXXXXX XXXX rescind the corporate assignment.
Product: Credit reporting or other personal consumer reports

I Requested the closure of XXXX XXXXXXXX XXXX  XXXX ( XXXX ) on XXXX XXXX via support live chat, the chat specialist answered me that the account was successful closed. After some time, i saw in my credit report that i had late payment for XX/XX/XXXX and XX/XX/XXXX. After contacting the company, i was told that the account can only be closed by calling the support service, which does not coincide with the conditions indicated on company 's website. The company refused to delete deliberately false records of late payment that were received after i requested account closure. Contacted with company with XXXX ask to removal and trying to dispute, but XXXX XXXXXXXX XXXX  XXXX, refuse delete that inaccurate info
Product: Credit reporting, credit repair services, or other personal consumer reports

I have asked Barclays Bank Delaware multiple times via certified mail to fix two credit reporting issues for this account : 1. There is an inaccurate " CO '' code on the XXXX payment history for this account listed for XX/XX/XXXX, despite the fact that the account was settled at {$0.00} in XX/XX/XXXX. Under the Fair Credit Reporting Act, accounts that have been settled should no longer display any new payment history codes. Any payment codes posted after XX/XX/XXXX are considered re-aging the debt, a serious violation of the FCRA under Section 623 ( 5 ) ( A ).

2. The " Delinquency First Reported '' date on my XXXX report says " XX/XX/XXXX '' -- which is impossible since it was settled at {$0.00} in XX/XX/XXXX, with XXXX activity since then. This field should say XXXX XXXX, XXXX. Again, this is an illegal act of " re-aging '' the debt. 

Barclays alleges that this information is correct when it is obviously, and illegally, wrong. See attached letter dated XX/XX/XXXX. 

If Barclays can not report this account accurately after multiple disputes sent with full documentation, they must delete the trade-line from my credit reports entirely.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I sent Equifax, XXXX XXXX and XXXX certified letters regarding two inaccurate and unknown things on my credit report. I looked at my credit report today and I have not received no response. Yet my credit score continues to plummet. I feel I am being taking advantage of and my dispute letter is being ignored. According to Fair Credit Reporting Act Section 611 ( a ), it plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. I am just obeying the law. Since 30 days have passed and I have not gotten any response from them and my credit score has gone down, I demand those phony accounts be deleted or I will file for litigation due to stress on my life. Trying to call them is a waste of my time because the answering service tells me they can't take my phone calls today and to call back later and hangs up. Because of their negative reporting, I can't rent an apartment, forget buying a house and can barely get a credit card. I am tired of getting rejected every time I apply for credit card. My information was also impacted by Equifax, XXXX XXXX and XXXX data breach and have gotten into the wrong hands of the wrong person. How do you think I feel?