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

Hi I am a victim of XXXX XXXX and Equifax, XXXX, and XXXX are reporting 30 day late payment for XXXX account on my credit report. The Cares Act states that NO Late Payments are to be reported to the financial bureaus during the time of Covid 's Forbearance period. I have written disputes to all three credit reporting agencies the account that they are reporting as late and they have not deleted the 30 day late payment. I need Equifax, XXXX, and XXXX to abide by The Cares Act. They are violating The Cares Act. Please ensure that Equifax, XXXX, and XXXX update the XXXX account to reflect a clean and on time payment history, and DELETE the thirty ( 30 ) day late payment. Thank you for your hep with this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX 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.
Product: Credit reporting or other personal consumer reports

I have no connection to these inquiries or the mentioned creditors.
Product: Checking or savings account

On XX/XX/XXXX I have opened an account with US Bank which was initially funded with {$200.00}. I have opened an account reacting to the {$300.00} bonus offer sent to me by the bank ( XXXX XXXXXXXX ) as the local branch in XXXX XXXX XXXX, IL refused to open it. I was told that this is online offer only and to get the bonus I must do it online. At the account opening I have explained that I work overseas and the payment for my work coming from XXXX will be in form of international wire. I was told that is acceptable as long as the payment is made for a payroll purpose ( which it was ). Subsequently I was provided with a US Bank routing info which was incorrect ( XXXX ) along with the XXXX XXXX which was incorrect as well which delayed the payment processing to more than 30 days funding scenario after account opening. I have had a conversation with person name XXXX who was a supervisor at the US Bank who informed me that the notes will be left on the account to explain the situation and bonus being provided after the {$3000.00} plus balance held for more than 30 days will be fulfilled. On XX/XX/XXXX I called as the bonus was not credited and found out that my account was not credited since the " international wire '' is not a direct deposit, contrary to what I was told at the account opening. Also the person assisting me, XXXX made a representation that she can address the issue of bonus right then when I called and after a while into the conversation it became an evident she lied to me as she was actually not qualified/authorized to address it. Question to the US Bank I have is this : 1 ) Why is the US Bancorp so unprofessional as to misrepresent the financial products requirements to obtain the bonus and when the funding requirement is actually met to deny it?

2 ) What does it say for the bank to send wrong routing/swift numbers to consumer and was it done on purpose to delay the funding of the account thus make it ineligible for the bonus?

I think it is reprehensible that the US Bank is allowed to do business this way and the CFPB should investigate whether the issue is systemic thus warranting regulatory action. In my opinion it is.
Product: Debt collection

After filing complaints with all 3 credit bureaus even the original company this has yet to be resolved. Ad Astra is very aware that they received full payment of both accounts and continue to harass me with phone calls along with threats. They along with XXXX XXXX have received the bank statement months ago and refuse to make knowledge of such. Ad Astra provided me a tracking number via usps of XXXX that was to include all legal documents pertaining to this. However, that tracking number shows a In transit update dated XXXX XXXX, 2017 from XXXX XXXX. I do not have any proof of this being legally collected on another company 's behalf. They also are in violation of the FTC by not providing correct and accurate information to the credit agencies.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX XXXX XXXX ( spouse, joint account ) received email from Citibank Costco credit card. Wanted to review recent suspicious activity. Responded to email and also called the bank. Card was cancelled. XX/XX/XXXX XXXX received call from a Citibank number XXXX. Person on phone identified himself as an employee from Citibank fraud dept and was on a recorded line. During conversation he mentioned XXXX  at Citibank for XXXX years. He needed the code to stop the fraudulent activity that was associated with account. Code was given and stated our account would not be accessible until XXXX the next morning. On XX/XX/XXXX XXXX discovered all XXXX accounts ( business checking, personal checking, and savings ) were depleted, a total of {$130000.00}, plus fees ). The money was wired to XXXX different accounts under XXXX names. These transactions were made without our knowledge. Citibank allowed all our money to be suspiciously transferred without an alert or notification to us. XXXX has been with Citibank for XXXX years. This activity was not normal for us should have been recognized and the fraud stopped immediately. We are distraught.
Product: Checking or savings account

Never made deposit available. Claims check was returned. My XXXX XXXX report shows no negative reports. No checks reported as returned
Product: Credit reporting or other personal consumer reports

Dear Transunion, I am writing to inform you that I have recently become a victim of identity theft, as fraudulent inquiries have been made on my credit report without my knowledge or authorization. I have never made any inquiries to the following companies listed on my credit report : 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  XX/XX/year> XXXX : XXXX XXXX ( Miscellaneous ) XX/XX/year> These inquiries are not legitimate and were made without my consent. I am deeply concerned about the potential impact these fraudulent activities may have on my credit score and financial well-being. I kindly request that you investigate these fraudulent inquiries and take the necessary steps to remove them from my credit report as soon as possible. Additionally, I would appreciate your assistance in placing a fraud alert on my credit file to prevent any further unauthorized activities. I have also taken the necessary steps to report this identity theft to the relevant authorities, and I am more than willing to provide any additional information or documentation that may be required to assist in your investigation. I urge you to take swift action to rectify this situation and restore the integrity of my credit report. Your prompt attention to this matter is greatly appreciated.
Product: Credit reporting or other personal consumer reports

Transunion and XXXX violated the United States code Law ( TILA 15 U.S. Code 1666 ( 0 ) charge error ).

Upon conducting a recent examination of my credit history, I discovered a substantial number of billing issues under 15 U.S. Code 1666 ( b ) billing error.

( 4 ) The creditor 's inability to truthfully depict an obligation payment or credit that Was given to the debtor on a statement.

( 5 ) A computation error or other similar accounting error on a creditor 's statement.

I have disputed these errors repeatedly only to receive a verified or remains reply from TransUnion and XXXX. I have supplied proof and that proof has been attached to this complaint. The documentation reveals XXXX accounts with frivolous and inaccurate reportings. The information is not accurate and must be deleted immediately. TransUnion is deliberately violating the law and refusing to comply with the consumer reporting laws by not doing a proper investigation and continuing to report these inaccurate accounts.

The errors on all accounts show that the current balance is higher than the highest balance. The current balance cant be higher than the highest balance the account has ever had. Therefore the accounts are reporting inaccurately. The accounts also show 100 % on time payment history but also is reporting XXXX days late. An account cant be 100 % on time payments while having any late payments. These inaccurate accounts must be removed as the inaccurate reporting of these accounts on my credit reports are causing me to be denied funding for a home purchase.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit reports generated by XXXX, Experian and XXXX on XX/XX/XXXX, display different information provided by the original claimed creditor, XXXX XXXX  XXXX. No : XXXX clearly suggest conflicting information of 1. HIgh Balance, 2.Last activity and 3. Date opened which is inaccurate. Therefore, this item must be deleted as per Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681-1681x. The discrepancies appeared among credit bureaus are listed below. 
Name XXXX Experian XXXX High Balance {$5800.00} {$0.00} {$5400.00} Last activity XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date opened XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX - Credit reports of the three bureaus are enclosed.

My consumer report is valuable to me. The willful non-compliance is a violation of section 1681n of the Fair Credit Reporting Act. Therefore, this item must be DELETED.
Product: Vehicle loan or lease

I traded my vehicle off and Chase received my payoff on XX/XX/2022 it is now XX/XX/2022 and they have still not processed the payoff. This is causing my account to be past due
Product: Credit reporting, credit repair services, or other personal consumer reports

Months ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please update or correct the following inaccurate information that is hurting my credit. 
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
Product: Credit reporting, credit repair services, or other personal consumer reports

I am complaining about Paramount Capital Group. They reported late payment on my credit report consistently even when I told them that I am in dispute with the school on the amount since I withdrew from school and their action single-handedly destroyed my credit report, lowered my credit score to the point that at the moment everything I am trying to do to get ahead in my life after a family event of my my wife getting sick and I had to even resign my job to primarily care for her is impossible. Before them my credit score was about 680 and they by their action reduced my credit score to about 520.
Product: Debt collection

United Collections Bureau Inc. ( UCB ) purchased a debt obligation, by doing so paid off the obligation of debt for Your Change Your Choice Const. XXXX ( XXXX XXXX ) account no. XXXX XXXX XXXX XXXX The original creditor The XXXX XXXX XXXX Card ( XXXX XXXX XXXX XXXX ) not only permitted the purchase but also charged off the debt through the IRS. UCB Through deceptive and misleading attempts to establish a contract with me again through deceptive and misleading actions. All attempts were responded to with a Register Mailing ( XXXX XXXXXXXX XXXX XXXX XXXX ) Refuse for Cause No Consent No Contract Cease and Desist, a Private Registered Formal Notice of Claim Mailing Record, request for wet ink signature of XXXX, UCB 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 UCB 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 XXXXXX/XX/XXXX.
Product: Debt collection

I was previously represented by an attorney ; however, I told them on multiple occasions that I fired the attorney, but they wouldn't believe me. I was attempting to pay, but could not because they wouldn't talk to me or give me info to pay online.
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data on my credit file that came about because of a FRAUD yet I have an Accounts passed on that should be taken out or remove. Per FCRA segment XXXX you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
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
Product: Credit reporting, credit repair services, 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 XXXX, XXXX XXXX, XXXX XXXX XXXX  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. 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. 

The following inquires has also been opened up under my social security number fraudulently. 

Resident Verify XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The XXXX credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$240.00} XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I want an explanation why XXXX XXXX XXXX XXXX ( XXXX  ) and Experian labels my request as " This complaint appears to be about the same issues as your earlier complaint. '' when they have yet to send me the permissible permission used to access my credit report in XX/XX/2017. At this time, forget the copy of the permission and just explain why they refuse and label my request as duplicate when they have yet to perform.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I did not authorize anyone employed by these companies to make any inquiry and view my credit report. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number.While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : List all inquiries the name of the company and the date it was added to your credit report. 

I did not authorize these inquiries 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 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
Product: Vehicle loan or lease

I am filing this complaint against Line 5 for mishandling my account, providing incomplete call recordings, and threatening to report a disputed balance to credit bureaus. 

On XX/XX/XXXX, my vehicle was involved in a total loss accident. I informed Line 5, the dealership, and my insurance company immediately. On XX/XX/XXXX, I had an XXXX call at XXXX XXXX with a Line 5 representative. During this call, I explicitly asked if I should make my next payment. The representative advised me not to pay, explaining that I wouldnt be able to recover the funds since the dealership would handle the cancellation refund. I emphasized my concerns about potential issues with misinformation, and the representative assured me this would not happen and that the account would be noted accordingly. 

On XX/XX/XXXX, Line 5 received a refund of {$3200.00} from the dealership, which was applied to my account. However, they claimed I owed a balance of {$120.00}, citing the Retail Installment Contract terms. This balance has since increased to {$180.00} due to late fees, insufficient fund fees, and interest. 

Concerns and Dispute XXXX. Missing Call Records : Line 5 provided XXXX call recordings, all from XX/XX/XXXX, and omitted the critical XX/XX/XXXX call where I was advised not to pay. 
On XX/XX/XXXX, I spoke with XXXX XXXX, Line 5s General Counsel, who claimed these were the only recordings available but later contradicted himself by saying he would check with IT. 
I have phone records confirming the XX/XX/XXXX call at XXXX XXXX, lasting XXXX minutes, proving the recording exists but was not provided. 
XXXX. Misrepresentation and Harassment : I relied on the XX/XX/XXXX representatives explicit advice when deciding not to make the payment. 
Line XXXX has refused to acknowledge this and is now threatening to report the balance to credit bureaus, causing undue stress and potential damage to my credit. 
XXXX. Violation of Consumer Protection Laws : Line 5s failure to provide complete records, their conflicting statements, and their threats to report this disputed balance may violate the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ).

Desired Resolution 1. A full investigation into the missing XX/XX/XXXX, call and all omitted recordings. 
XXXX. Written confirmation that the disputed balance will not be reported to credit bureaus while the matter remains unresolved. 
XXXX. A re-evaluation of the balance based on the assurances given during the XX/XX/XXXX call. 
XXXX. A detailed explanation of their policies regarding call recording and retention. 

I am seeking the CFPBs assistance in resolving this matter, as Line 5s actions have been unfair, deceptive, and harmful to my credit and peace of mind. 

Attachments : XXXX. Phone records confirming the XX/XX/XXXX call. 
XXXX. Documentation of payments and refunds. 
XXXX. Line 5s correspondence and incomplete call recordings.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a XXXX party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$74000.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$5200.00} ; XXXX XXXXXXXX XXXX XXXXBalance : {$0.00} ; XXXX XXXX XXXX Balance : {$25000.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$71000.00} ; XXXX  XXXX XXXX Balance : {$0.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ( Original creditor : XXXX XXXX XXXX XXXX ) XXXX Balance {$1100.00} XXXX  ( Original creditor : XXXX XXXX XXXX XXXX ) XXXX Balance {$710.00} XXXX ( Original creditor : XXXX XXXX XXXX XXXX ) XXXX Balance {$1000.00} XXXX XXXX ( Original creditor : XXXX ) XXXX Balance {$93.00} are reporting on my personal credit file with ( XXXXTransUnion ) credit reporting agency. This account was opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regards to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me.
Product: Checking or savings account

I Zelled the wrong person on XXXX weekend and bank isnt letting me get my money back
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently applied for vehicle financing and was denied because of a Recent Repossession. I pulled my report and could see that Ally Financial reported my previously financed vehicle ( XXXX XXXX XXXX, VIN : XXXX ) as repossessed in XX/XX/XXXX. That is incorrect, I traded that Vehicle in on XX/XX/XXXX to XXXX XXXX in XXXX XXXX ( supporting documents attached ). At the time of the trade in, my account with Ally was in good standing, and the dealership paid the account in full. 
On XX/XX/XXXX I contacted Ally to make them aware of the discrepancy, and asked to review my account. I provided all information requested. A week later, I received a letter saying they would not open an investigation because of lack of account information. On XX/XX/XXXX I spend approximately 4.5 hours on the phone with various departments within Ally, and each one told me the same thing, I am unable to locate your old account, let me transfer you. 
This companys negligence has cost me money, time, and now the ability to finance a vehicle.