23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

Transunion has allowed " XXXX XXXX " in reporting negative and INACCURATE information on my credit profile from an account of a leasing machine in XX/XX/XXXX. 
This is NOT my account, I NEVER signed for this account. According to XXXX XXXX, this account was activated in XX/XX/XXXX. I was not an owner of this business at that time, but purchased the business until XX/XX/XXXX. I have informed XXXX of this and that this is not my account several times. i sent a signature affidavit to Transunion as proof along with a fraud complaint. The Illinois State agency shows i was NOT the owner of this business related to this account in XX/XX/XXXX. Yet Transunion has continued to report this civil judgment from Same creditor on my personal profile. 
This has significantly damaged my credit profile as well as interfered in business transactions and growth. It has created a mental and financial hardship. 
XXXX is well aware I was not a signor on this account, and so now is Transunion but have reported negative information on my credit profile anyway. Furthermore it has come to my attention that XXXX has been the target of many lawsuits due to their unethical practices. Again, XXXX is a company known for illegal, unethical and fraudulent claims against consumers, and in spite of the evidence being presented Transunion credit bureau has failed to remove this inaccurate account ( s ) from my credit profile, and i have been disputing this for over a years time now. 

ALSO, This company has pulled my credit continuously without my authorization whatsoever which Transunion has allowed them to do despite my objections. This has created a hardship for me and has done considerable damage in my life both XXXX and financially.
Product: Credit reporting or other personal consumer reports

this sosial security number does not belong to me and i want it removed i have a screen shot of the ssn that is not mine on your report and i also included my social security card for referance
Product: Credit reporting or other personal consumer reports

I am writing to delete the following information in my file. The item I am referencing isa XXXX XXXX  ( XXXX XXXX  ) account opened sometime in XXXX  that I did not open. I am a victim of identity theft, as my employer notified me my sensitive data has been breached. I did not open this account. I ask that this account be deleted to correct my credit report.I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit, as well as the notification of data breach letter from my employer. Please delete this account as soon as possible.
Product: Credit reporting or other personal consumer reports

The following accounts continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these accounts must be verified ( A ). I will bring legal action against you if you do not verify these accounts. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXXXXXX 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 have received a copy of my credit report and it shows company XXXX XXXX  account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$660.00}. I have tried many times to get this verified with no such luck. Please review for deletion.
Product: Checking or savings account

I opened a ckecking account with PNC bank in XXXX of XXXX. This was a direct deposit account that my New York XXXX XXXX pension system was to deposit my check in. The debit card on the account was number XXXX. Although the account was set up in the XXXX, XXXX branch on XXXX XXXX there was a major problem from the beginning. The bank incorrectly opened the account and there was no evidence of the account. I had placed thousands of dollars into the account but when I attempted to use it it would not work. As the XXXX XXXX XXXX couldn't find a valid account it did not approve the XXXX XXXX XXXX formed that I filed. I did not find this out until months later. Even though I had checks, a debit card and paperwork verifying the account PNC customer service informed me I didn't have an account. I learned this after attempting to place funds in the account through XXXX. At the time thousands of dollars were lost " in the cloud '' and were returned after many days and emotional trauma. Certain bills had to be paid and at the time I still did not know why my pension funds were not being transferred into the account. After numerous calls the bank finally opened the account. But at that point the pension system rejected the XXXX funds because of PNC failing to verify the account. ( more )
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid off a balance for deletion and it was not removed from my account. The company submitted all the information to TransUnion and they reported this file inaccurately for 2 months. I have the documentation to support and the refused to help and to me that is not fair reporting and should not be allowed to do that to consumers
Product: Debt collection

Bank of America ignored my fraud claims. Bank of America reinserted an account and failed to notify me within 5 business in accordance with FCRA. It is XX/XX/XXXX and neither B of A nor XXXX  has yet to inform me and the reinsertion occurred in XX/XX/. I attempted to dispute this but XXXX  refused to even accept the dispute. What's more? This card is associated with a fraud claim. Additionally, there are two claims filed in XX/XX/ and XXXX XXXX from unemployment card which was serviced by Bank of America. Both of these were denied by the bank as well despite the overwhelming evidence showing they were indeed fraudulent. One example is the fraudster sent a XXXX XXXX in her name from my account. I was the only one on the account. She then received the money- again, both in her name. Bank of America handled this with malice just as they did with the credit card fraud claim they had ignored. The FRCA strictly forbids before like this and has remedies set forth for creditors and the like who act willingly and with malice to the hurt of a consumer. The penalty is very clearly defined as {$1000.00} per violation plus damages.
Product: Debt collection

I recently received notice from my human resources department, that a company named Velocity Investments LCC is trying to garnish my wages. Prior to this garnishment notice, I have never heard of this company. This garnishment attempt is a violation of my federal rights under the Fair Debt Collection Practices Act. A creditor can not attempt to collect a debt without first providing notice of said debt, and giving them a right to dispute it. 

Also, I believe they are violating my rights under Virginia state law. The statute of limitations to collect a debt in the state of Virginia is 6 years. I have access to my credit report with all three credit bureaus. I do not see anything on my report from Velocity Investments , LLC ; not even in my public records section. So this debt is well over 7 years old, and has already aged off of my credit report.
Product: Debt collection

It is bewildering to note that while other credit bureaus have diligently conducted their investigations and corrected the inaccuracies on my credit report, your bureau seems to be lagging behind. The disparity in reporting among credit bureaus has created confusion and frustration, as I am left to grapple with inconsistent and erroneous information that is negatively impacting my credit standing. I was the victim and Im not sure why the CRA is not complying with the law. The other bureaus have followed suit. Im very confused why this one seems to ignore my requests. I insist that your bureau immediately rectify the reporting of late payment dates to accurately reflect the status of the accounts. Other bureaus have successfully acknowledged and corrected their errors, and it is imperative that your bureau follows suit to ensure fair and accurate reporting. The presence of conflicting information on my credit report, particularly regarding late payment dates, is not only misleading but also damaging to my financial reputation. I demand a swift and thorough investigation into this matter, with the immediate removal of the inaccuracies and the updating of late payment dates to accurately reflect the current status of the accounts.

PHH MORT SVC XXXX -PLEASE UPDATE!!! I am requesting that the late payment markings be updated to reflect my accurate payment history. 
I understand that errors can occur in the investigation process, but it is essential that your bureau takes immediate action to correct these discrepancies in compliance with the Fair Credit Reporting Act ( FCRA ). I insist on receiving written confirmation of the resolution and the updated credit report without any further delay.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have the app XXXX XXXX to keep track of my scores. I recently logged on and saw unknown suspicious accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. Please take these unknown items off my report. XXXX XXXX XXXX {$660.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Checking ACCOUNT ONGOING DISPUTE The company has repeatedly denied responding via CFPB even if I have stated all the information needed based on my file with them. They refused to remove my name under the Chexsystems report which is not fair and absurd. 

They have cited that it is lawful of them to report the account but forgot to address the difficulties I have had and went through with the entire process of this issue. They have omitted the inefficient actions by their representative and misleading information that has been fed to me, scaling back to the moment that I have placed a dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NY XXXX, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report and need to update or remove from reporting : XXXX XXXX-Balance {$0.00} XXXXBalance {$0.00} XXXX XXXX  XXXXBalance {$8400.00} XXXXBalance {$18000.00} XXXX XXXX-Balance {$230.00} XXXXBalance {$510.00} XXXX-Balance {$720.00} XXXX  XXXX-Balance {$1300.00} XXXX-Balance {$230.00}
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but also allowed repeat offenders to exploit the system, leaving users vulnerable to scams.The lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Checking or savings account

I went to pay my car insurance and my debit card was declined my credit card declined for gas at my over night shift at XXXX. Its the first of the month and all my bills are due. I called navy federal Saturday morning to find out why all mu accounts are declining and advised that they cNt XXXX  me or talk to me as security department froze the account. I advised today the XXXX and my bills are due i have grocerys to buy i am a XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX. I was told the branch cant help and i cant get any other information and nothing can be done. My savings is with this bank i just got paid friday and i dont have access to that as well this is wrong. I have no gas no good my bills are due and i still dont know why as i committed no fraud. XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

On XXXX XXXX XXXX. I received a levy on my bank account from a collection agency company that I did not borrow any money from amount {$530.00} and {$120.00} legal fee from XXXX XXXX XXXX. I did not  receive a notice of levy. A final notice of levy and still havent. I called the bank to find out what the issue was and with who and they kept not answering, set up a call back, then when they called back the prompts were in Spanish. However the call back was not set up in Spanish because I do not speak Spanish this happened 4 times. I went down to the bank branch. They say it s the Franchise tax board.Gave me the number. I call California franchise tax board. They tell me the levy was done by the courts but its not the courts its GC services. I call GC services and they lied and they dont have jurisdiction its the Franchise tax board. I went down to the address given XXXX XXXX XXXX XXXX XXXX CA XXXX and they try to tell me what Im looking for is at a different building, its not here I say no it is here and I gave them the case number they didnt want to llok it up but I knew and then they looked into it asking a manager there and the suddnly they knew what I was talking about deceptive practices I know it was done by GC services I submitted the paperwork to dispute the levy according to the Bill of rights GC Services is conducting deceptive collection practices. I ask for the levy info the writ of execution and they say they dont have it I am disputing the issue. They stole this money out of the account. wrote and went to file the documents on XXXX XXXX. I called the number given they told me the bank was supposed to send me the notice of levy and still they havent. GC Services Limited Partnership at the XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX. This levy has caused extreme additional hardships. It violated The context of a Fair Debt Collection Practices Act ( FDCPA ) action. claim by a debtor that a third part debt collector has engaged in prohibited conduct in collecting or attempting to collect a consumer debt. It is required that they return the money to me immediately.
Product: Student loan

The end of the year XX/XX/XXXX was approaching so I called Navient ( student loan servicer ) to discuss repayment options. I was told in XX/XX/XXXX over the phone by a customer representative that my loan would increase from $ XXXX/month on a gross income of XXXX to $ XXXX/month on a gross income of {$100000.00}. However, after speaking with customer representative and filing paperwork a different result was reached on XX/XX/XXXX : I would now be paying $ XXXX/month based on a {$100000.00} gross income for their income based repayment program. How can the results be so drastic?!!!! I can not afford to pay this nor can I afford to go into forbearance as Navient suggested I do. Note this is not the first time I 've had problems with Navient and their varrying degrees of monthly payment changes. Also, I do n't believe it to be fair to base my payments on my gross income, an adjusted gross income would be more fair. Lastly, this system does n't take into account that I have to pay my health insurance which is approximately $ XXXX/month and will spike to approximately $ XXXX/month beginning in XX/XX/XXXX. Most people who have jobs as veterinarians have health insurance paid for as a perk, but not in all cases, hence my case. There has to be a better answer to this horrific trend NAVIENT has had with my loans and a more affordable way to pay this so I do n't have to go into forebearance.
Product: Credit reporting

I get a loan with XXXX who was payoff on XXXX and still open. The company did n't want to closed this account for no reason.
Product: Credit card or prepaid card

I called Navy Federal in XX/XX/2022 and explained to them that I was dealing with a financial hardship. The hardship is due to me paying a mortgage and rent at my apartment. My renter moved out of my condo in XX/XX/2022. In XXXX, it was very difficult for me to maintain both mortgage and apartment rent. 

Navy Federal had me on a payment plan for two years where I was paying {$180.00} a month. I brought my balance down to {$16000.00} in XXXX. However, the new monthly payment increased to {$330.00} a month in XXXX. 

I called the bank to apply to a payment plan. They sent me an email confirmation on XX/XX/XXXX approving the payment plan. However, when I called the bank at XXXX. The representative said that I wasn't approved for the payment plan. Now the bank is requiring me to pay {$330.00} a month, which I can not afford and I've expressed this to them on many occasions. The bank does not care and they continue to report my delinquency to the credit bureau bringing my credit score down.
Product: Credit reporting or other personal consumer reports

I XXXX XXXX have been dealing with XXXX pertaining to a credit card account that is reporting incorrect/inaccurate information on my consumer credit report ( s ) across Experian, XXXX & XXXX. This account was closed after XXXX and it is reporting late ( s ) for XX/XX/XXXX & XXXX XXXX XXXX & XXXX  day consecutively when this account is XXXX balance and it is not even open. Additionally, there is a XXXX  day late in XX/XX/XXXX when this account wasn't even open then as well it was closed in XXXX. I spoke with the company representative ( s ) and they are unable to locate the account and on top of it I received a letter from this corporation on XX/XX/XXXX that said that the account is correctly reporting to the account ending in XXXX that they said is incorrect and not from them the representative on the phone said they do not recognize the tone and context of the letter. This is a very frustrating experience over the last XXXX XXXX months dealing with this as not only is the creditor clueless to the details of the account they are reporting wrong information on my credit bureau which is severely hurting my credit for the worse. My score has dropped over XXXX point ( s ) with the addition of these new wrong late ( s ) and the fact they told me they would look into this and remove these late ( s ) from XXXX, XXXX, XXXX & XXXX however, they can not find the account is frustrating and this financial institution holds on accountability. Reaching out to the CFPB is my last attempt to resolve this with the creditor as I am going to file a suit in my local court and litigate against the credit bureau ( s ) and the creditor as I have notified both of them about the violation ( s ) of their incorrect reporting in which they don't seem to care which has affected me financially and mentally. I am trying to acquire a home and this has severely dropped my score which has affected my personal relationship ( s ) and business relationship ( s ) with this wrong information contained on my consumer credit report.
Product: Checking or savings account

I became a Wells Fargo customer after their acquisition of XXXX. With XXXX I had a savings account. After the transition to Wells Fargo, they begin deducting monthly fees until it put my checking account in overdraft after they depleted my savings of roughly a couple XXXX dollars. I became aware that they had fully depleted my small savings after my checking account went into overdraft. This was in approximately XXXX. I understand that they have been found liable of unscrupulous and unethical charges that violate consumer rights for actions during this period. I closed my bank account with Wells Fargo in roughly XXXX or XXXX, after I discovered what they had done but I still talk to this day about how horrible they are. If I am eligible for compensation for their actions, I want to partake in the class action suit, or be eligible for class action compensation.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX mortgage incorrectly reported the balance of my mortgage account in XXXX by XXXX which negatively impacted my credit score causing it to drop by XXXX points the day after reporting this information as it signifies delinquency on my mortgage payments which is not accurate. 

The balance on my mortgage statement issued by XXXX XXXX is accurate but the balance of the account reported to credit report is incorrect ; I openned dispute with three credit reporting agencies but they referred me to the lender to correct information ; I contacted XXXX XXXX and they openned a case that was supposed to be resolved by XX/XX/XXXX according to them ; then I contacted again after the information on the account was incorrectly reported in XXXX and was told that the case was closed as " XXXX XXXX does not interfere with how credit reporting agencies calculate credit score '' ; they ignored the problem which is incorrectly reporting account balance but focused on the consequences of the problem which is not their responsibility to wash their hands and pass the buck to someone else. 

I had a credit rating of XXXX before that reporting error and it dropped to XXXX the day after ; no other accounts added or changes during the period of their reporting error and my score drop. 

The negative impact of the incorrect account balance has materialized already and I am paying for it in my cost of borrowing. 

I am only requesting that XXXX XXXX correct the account balance reported to credit agencies to match the balance they send me on my mortgage statement and year end tax record.
Product: Credit reporting or other personal consumer reports

This address is incorrect reporting on transunion. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX this is not accurate. I have had it removed from XXXX and XXXX  because they agreed that it was inaccurate. I have also filed a report on identity theft.gov. this is a Violation of 15 U.S.C. 1681i ( 5 ) removal of all inaccurate/invalid credit. Please remove immediately.