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

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 


XXXX XXXX XXXX {$0.00} UNAUTHORIZED INQUIRIES PLEASE DELETE : XXXX XXXX Equifax XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX TransUnion  XXXX BANK XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XXXX Experian XXXXXXXX XXXX XXXX XXXX TransUnion EXPERIAN XXXXXXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Experian XXXX  XXXX XX/XX/XXXX TransUnion XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX Experian EXPERIAN XXXXXXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX - XX/XX/XXXX Equifax XXXX XXXX XXXXXX/XX/XXXX Equifax XXXX  XXXX XXXX XX/XX/XXXX Experian XXXXXXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX TransUnion XXXXXXXX XXXX XXXXXX/XX/XXXX Experian XXXXXXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX Equifax EXPERIAN XXXXXXXX XXXX XXXX Experian XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX TransUnion XXXX  XX/XX/XXXX Equifax XXXXXXXX XXXX XXXXXX/XX/XXXX TransUnion
Product: Money transfer, virtual currency, or money service

I Used " WISE.COM '' to transfer XXXX {$200.00} to XXXX in the XXXX XXXX, on XX/XX/XXXX. The Company implemented a new third party for funds transfer called " PLAID ''. MY ACCOUNT log in was altered and transfer screens were changed. The change required me to log into my " XXXX XXXX XXXX XXXXXXXX and in the confirmation process the " SYSTEM '' FOR MY CHECKING ACCOUNT, IT took the information for " ALL '' my " XXXX '' accounts into their DATA BASE and into the " PLAID '' data base. 

I wrote to complain to the company and asked them to remove the unauthorized accounts data that " PLAID '' downloaded into their data base and the " WISE '' data base. THE COMPANY SEND ME A NON-SENSE REPLY AND REFUSED TO REMOVE THE UNAUTHORIZED ACCOUNT DATA THEY AND THEIR NOW THIRD PARTY CONTRACTOR TOOK FROM ME.
Product: Debt collection

This account is negatively reporting a debt collection to all 3 credit bureaus after its been proven that the account did not belong to me. This company inaccurate information is negatively affecting my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint to to address a previous complaint Complaint number : XXXX & Complaint number XXXX There are multiple items that I have disputed however the bureaus XXXX, and Transunion have not removed the items and they did not perform a proper investigation with the creditors in a CDV format in accordence with 15 U.S.C. 1681s-2 ( b ) ( 1 ). I demand proof of the scope of the dispute outlined on a CDV form received by the furnisher. I do not believe that the previous items I disputed which are included below were investigated and I know for a fact that the bureaus never gave me proof of this investigation before so in result I demand all of the items be removed IMMEDIATELY to prevent my legal right to privately SUE the creditors and furnishers. Doing so will take so much time as I have already lost so much time and have been denied credit when I need it to better my life. 

In my previous dispute to XXXX on XX/XX/2019 I also included copies of my ID, Social, and proof of address and on XX/XX/2019 I received a letter from XXXX  stating that in order to process my dispute I will need to send them my ID, Social, and proof of address. They deliberately sent me this letter as a stall tactic to completely ignore my disputes and proper investigations that need to be taken place in order to verify the accuracy of information on my credit report. They gave me other options to send in my id, social, and proof us address such as XXXX they are not allowing me to upload my documents to the system because it is rigged! I have attached this letter into this complaint which serves as total proof that XXXX is not treating me fairly and has not properly addressed my disputes or performed a proper investigation. 





Items I demand be removed US BKPT CT CA XXXX XXXX USBK COURT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX THIS COURT DOES NOT HAVE ACCESS TO MY RECORDS AND AS PROOF I CALLED THEM TO VERIFY THAT AND THE OFFICE DISCLOSED THAT THEY DO NOT PROVIDE PRIVATE INFORMATION TO THIRD PARTY AND SO IT IS IMPOSSIBLE FOR THEM TO VERIFY THIS ACCOUNT ON MY REPORT SO IT MUST BE REMOVED AS IT DOES NOT BELONG TO ME XXXX  XXXX   XXXX XXXX XXXX XXXX XXXX OH XXXX Phone XXXX I WAS NEVER LATE ON THIS ACCOUNT AND CREDIT HAS NOT PROOF OF SENDING EARLY WARNING NOTICE AND AGREED TO REMOVE ITEM OFF MY CREDIT OVER THE PHONE
Product: Credit reporting or other personal consumer reports

XXXX sold my loans to aidvantage. I received an email stating that they would be going to aidvantage and nothing would change about my loans. Then when the company aidvantage received my loans they suddenly reported that I had missed payments with them and the only reason I found out is because my credit score dropped over XXXX points. I am in forbearance and do not graduate until XX/XX/year>. When I spoke to the first representative at aidvantage she told me that it doesnt matter if I am in forbearance that they are reporting that I am not paying the interest on my loans. I have never even prior to XXXX was informed I was suppose to do so and have never paid interest on my loans nor has my credit score ever been affected. She would not help me further and told me every month it would decrease my credit score. I contacted XXXX XXXXXXXX XXXX in XXXX, IA where I received my XXXX degree to make sure they reported everything correctly. They told me it showed I was in forbearance. I contacted the financial aid department at XXXX XXXX XXXX in XXXX, IA which I currently attend and they told me everything was reported by all schools that I am enrolled full time and everything should be in forbearance and it should not be showing anything on my credit score as I do not owe anything at this time. I kept calling advantage and they told me they could make a note and they couldnt do anything else. I spoke to a few classmates who took out the same loans and are in forbearance none of them have ever had anything reported while in school on credit reports and have never paid interest. I contacted transunion and XXXX and disputed all loans. I have not received any information and my credit score still shows the XXXX plus point loss from the report from aidvantage.
Product: Credit card

I have a XXXX credit card through Barclays and I was just charged some kind of deferred interest, of which they provided no advance warning, of over eight hundred dollars in a single charge. I was steadily paying off this balance and was XXXX XXXX dollars below my credit limit, and now I am, out of nowhere, XXXX XXXX dollars over my credit line. I do not understand why they are just allowed to do this, which completely messes up my credit and short term budgeting, which no warning or clarification. Please help me deal with them to try to get this egregious charge taken off of my account. Do n't they have to provide notice or explanation? If they were about to charge me XXXX XXXX dollars of interest, should n't they have notified me, since they notify me automatically every XXXX month when a payment is due.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

XXXX XXXX XXXX XXXX XXXX  XXXX
Product: Debt collection

I have disputed a debt from XXXX XXXX XXXX and sent them correspondence on XX/XX/2022, asking for any paperwork regarding this debt with no response. I have attached correspondence from XXXX XXXX XXXX. stating the amount owed and correspondence from XXXX XXXX wherein XXXX XXXX XXXX  filed a claim on my behalf which was paid. 

This debt has been listed on my credit report for several months, causing my credit score to be lowered. If this is not removed from my credit reports, I will have no other option but to sue for damages. I have also sent a copy of all correspondence to the FTC.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law Please remove/block the following accounts as they are fraudulent & were opened without my consent or knowledge CITICARDS CBNA XXXX Date Opened : XX/XX/2013 Balance : {$25000.00} and CITICARDS CBNA XXXX Date Opened : XX/XX/2013 Balance : {$14000.00} If you claim these accounts are 100 % accurate and verifiable then I need you to provide me with copies of any documentation associated with this account which bears my signature, as I know none exists. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number.
Product: Credit reporting, credit repair services, or other personal consumer reports

I orginally filed a complaint with XXXX XXXX XXXX that has been resolved and close but they have not comply with the resolution complaint number XXXX submitted on XX/XX/2018 resolution XX/XX/2018. XXXX XXXX XXXX failed to delete information off credit report as of XX/XX/2018 viewing recent credit report information still remain.
Product: Credit reporting or other personal consumer reports

To draft an aggressive yet professional letter to TransUnion regarding the inaccurate reporting under XXXX XXXX XXXX, heres an example : -- - [ Your Name ] [ Your Address ] [ City, XXXX, ZIP Code ] [ Date ] TransUnion XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Formal Dispute of Inaccurate Reporting Violation of XXXX XXXX XXXX To Whom It May Concern, I am writing to formally dispute inaccurate information that is being reported on my TransUnion credit report. Specifically, the balance for the XXXX XXXX account is inaccurately listed, as detailed below : Account Name : XXXX XXXX Error : The balance increased by {$17.00} ( from {$0.00} to {$17.00} ), causing an unjustified drop in my XXXX XXXX by XXXX points. 

Date of Change : Between XX/XX/XXXX, and XX/XX/XXXX This reporting is inaccurate and in direct violation of the Fair Credit Reporting Act ( FCRA ), particularly XXXX XXXX XXXX, which mandates that credit reporting agencies must ensure maximum possible accuracy of the information included in consumer reports. 

I demand an immediate investigation into this matter. Pursuant to XXXX XXXX XXXX ( a ), you are required to : XXXX. XXXX a thorough reinvestigation of the disputed information. 


XXXX. Delete or correct any inaccurate or unverifiable information. 


XXXX. Provide me with a written confirmation of your findings and any actions taken, including an updated credit report reflecting the corrections. 



Failure to rectify this issue within the timeframes outlined in the FCRA will leave me no choice but to escalate this matter. I reserve the right to file a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seek legal counsel to address any harm caused by your non-compliance. 

For your convenience, I have attached relevant documentation supporting my dispute, including recent credit report details highlighting the errors. 

Please acknowledge receipt of this dispute and provide a resolution within the required XXXX period. I can be reached at [ Your Phone Number ] or [ Your Email Address ] should you require further information. 

Sincerely, [ Your Full Name ] [ Enclosures : Copies of Credit Report Highlighting Errors, Proof of Identity, etc. ] -- - You can adjust the tone and include any additional specifics depending on the exact details of your situation. Let me know if you want further adjustments!
Product: Debt collection

10 phone calls on XX/XX/year> and 17 phone calls between the hours of XXXX and XXXX so far on XX/XX/year>. When I call the numbers back I never get a person to speak with.
Product: Debt collection

I was sent a letter demanding payment with no reference of a debt, only a bill. I requested information about the debt I asked for a contract bearing my wet signature be provided this has not been done. I was sent a bill only. I would like a copy of a contract validating this debt! I have mailed this request on two occasions .This debt is reporting negatively on my credit report and is creating a hardship. Please delete me from your data base and delete this from my credit report
Product: Credit card or prepaid card

On XXXX/XXXX/2017, I filed complaint ( XXXX ) against Pentagon Federal Credit Union ( PFCU ), PFCU after receiving the CFPB 's complaint submission on XXXX/XXXX/2017 PFCU assigned XXXX XXXX TO MY DISPUTE but she closed it on XXXX/XXXX/2017 with no explaintion what so ever I had submitted documents via email that was linked to the dispute that I opened on XXXX/XXXX/2017 and since PFCU were backed logged due to the merger, did not review my dispute until CFPB 's complaint submission and now it was closed without any investigation according to XXXX nobody from PFCU contacted them either, why PFCU assigned XXXX XXXX? is it to satisfy the CFPB only and to closed because they are still backed logged I believe the dispute process may takes 30 to 60 days from opening and closing and other side has 30 days to respond to it that PFCU did n't do nor followed our agreement at time of obtains the credit card please reopen my complaint and check why it was closed prematurely I reported the fraud to PFCU and they replaced my credit card but $ XXXX+ {$320.00} of my money still that was not returned. Thanks.
Product: Vehicle loan or lease

Started with buying a car ... turned my lease into a dealership. we called GM financial to get pay off you that information to the dealership! the dealer paid in full {$30000.00} except for {$400.00}???? GM contacted me and I explained the situation that I did not own the car anymore and that the dealership took possession of it MONTHS AGO .... THEN we had a 3 way phone call with the dealership and after arguing a few times they sent in the balance of {$400.00} .... but it took a few months and during this time I was totally in compliance and talking to GM with the situation! GM KNEW. I AND GM HAS DOCUMATION that is was out of my control and they ( GM ) still disregarded and reported my credit bad!!! now GM financial wants me to get a letter from dealership saying that they ( DEALERSHIP ) was at fault and GM will TRY take care of it.. I told GM they knew the whole situation why did they report my credit BAD?????????? they stated it was still always on me. and STILL TRYING TO GET ME TO TALK TO THE DEALER????? What are they ( DEALERSHIP ) going to do with the CREDIT REPAIR????
Product: Credit reporting, credit repair services, or other personal consumer reports

I am contacting you to request the removal of the following accounts and associated information from my consumer report. It is imperative that these accounts and information cease to be reported on my consumer report, as their presence violates the FDCPA and FCRA. I insist on their immediate deletion and removal from my consumer report, as their continued presence constitutes a violation of multiple laws. I kindly request that you promptly take action to remove these accounts and associated information.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXXXXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX XXXXXXXX XXXX XXXX never sent the periodic statement along with the disclosures from section XXXX ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting

I was able to pay/consolidate XXXX students loans from XXXX in XXXX 2015. The accounts should be marked as paid in XXXX of 2015. XXXX is reporting it as late/charged off in XXXX of 2015. I have included documentation as to what is showing on my credit report. I have worked with a XXXX XXXX a Senior Borrower Advocate XXXX. They have failed to get my credit report updated correctly to show that I was not late in XXXX 2015. If the loan was paid off in XXXX of 2015, it is impossible for me to be late. I am submitting documentation from Fedloan servicing to show that the accounts have been paid up via consolidation. I have spent countless hours contacting both XXXX and the credit bureaus yet my requests to have this updated to not reflect that the account was late in XXXX of 2015 have been ignored. This is severely impacting my credit and my ability to receive credit. Please assist me in getting my credit reports updated to show that I was not late in XXXX 2015 and to put into place proper measures that will prohibit both XXXX and the credit bureaus from leaving inaccurate information on American citizen consumer reports. I have enclosed supporting documentation. 

Thank you for your time and assistance. 

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

I am disputing fraudulent hard inquiries that I received on my credit report that I did not authorize and recognize on my credit reports. I contacted each Creditor Company to rectify the inquiries. They only assured me that there were not any accounts opened or created under my name. I then contacted XXXX, XXXX and Transunion credit bureaus. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/19, I attempted to open an account with BMO Harris Bank online. While signing up, it requests information to fund the account from another institution, and seeks the account information for a transfer. importantly, the screen states that your money will not be transferred until you complete the application process. 

When I went to complete the process all the website did was show me the information I had submitted already. It did not confirm I had completed the application, did not advise whether it was successful, and did not provide any next step in the process., 2 days later, I receive an email telling me my initial deposit of {$6000.00} was successful. Again, no information on how to access my account. To date, I have made no fewer than 11 phone calls. I have confirmed that despite the lack of information, BMO Harris did open an account, and does have my money. Unfortunately, I can not access any of my money because the bank now says it can not verify my identity and does not give out bank account numbers over the phone. In discussions with customer service, they have apologized because the failure to give the bank account number to customers is a " common problem '' they are trying to fix. 

In the meantime, the {$6000.00} transfered from my XXXX  XXXX XXXX account -- without even confirming that I wanted to complete the application or telling me the bank account number -- si now outside of my control and BMO Harris. Bank, will not give me access to my alleged account or my money. I have not ever been given a bank account number.
Product: Credit card or prepaid card

XX/XX/XXXX Purchased {$500.00} XXXX XXXX Visa gift card. 
XX/XX/XXXX Friday night first use of the card was denied at XXXX XXXX XXXX. 
XX/XX/XXXX Monday contacted Incomm. Found unauthorized use of card funds on XX/XX/XXXX at XXXX XXXX Pymt for {$480.00} and {$11.00} leaving a balance of {$.00}. 
The card has never been out of my posession and account numbers have never been given out. 
XX/XX/XXXX Received emailed dispute form from Incomm and immediately returned an email copy and also a faxed copy and a copy by US Mail. 
XX/XX/XXXX Five additional calls between XXXX and XXXX have failed to restore the missing funds.