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

IVE ATTACHED THE COPY OF THE DIRECT ONLINE UPLOADED DISPUTE THAT     XXXX   'S   SYSTEM WOULD N'T ACCEPT TODAY.THEY HAVE A COMPUTER PROBLEM THAT WO N'T ALLOW ME TO SEND INFORMATION TO SUPPLEMENT MY ONGOING DISPUTE SO I 'M SENDING IT HERE BECAUSE THE CFPB 'S COMPUTERS ARE N'T USUALLY BROKEN AND   XXXX   'S USUALLY ARE BROKEN
Product: Credit reporting or other personal consumer reports

I disputed XXXX XXXX that are required by law to be deleted and they still have not deleted them and updated them
Product: Credit reporting, credit repair services, or other personal consumer reports

The below mentioned collection accounts are reporting as " open '' accounts with XXXX and Transunion. The accounts are reporting incorrectly and inaccurate. I have sent several disputes to XXXX and Transunion regarding this issue. Please have the accounts removed. 

Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681-1681x Federal and state fair credit reporting statutes promote the accuracy and privacy of information kept and distributed by the nations consumer reporting companies by defining how information must be recorded, verified and safeguarded. 

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
Product: Credit reporting or other personal consumer reports

Good evening, I am contacting you today in regards to some inquires on my report that I didn't make, nor did I authorize anyone to make them. I have been trying to call the credit bureau 's, but they are never of any assistance to me. I've not only called a numerous amount of times, but I also mailed them letters. XXXX representative said they'd do it and it'll take XXXX - XXXX hours. once I called again another representative gave me other instructions to follow. I followed the second set of instructions and have yet to see any results.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive filed a identity theft repost and wrote into the XXXX consumer reporting agencies to block and remove information, but they did not do so. 

The following companies reporting to the Consumer Reporting Agencies DID NOT follow the Opt Out guidelines stated in XXXX Form of opt out notice to consumers ; opt out methods. 

With is a violation of my XXXX Rights, Right To Privacy, and private property being used for public use without just compensation The reporting of these accounts have caused credit applications to be denied and low credit limits offered. This resulted in set backs in my personal family and household necessities. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX
Product: Mortgage

I recently attempted to pay an additional payment to the principle balance of my mortgage loan in an attempt to lower future interest payments and reduce the overall balance of my loan. However, the Bank/Servicer ( Mr. Cooper ) did not apply the additional principle payment to the loan. Instead they held the money in an account and are now telling me that they will return the additional payment back to me. However, in doing so, they have guaranteed that I will now be paying at least an additional {$200.00} in interest per month. They are deliberately withholding the funds from being applied to the balance of the loan and costing me extra money. I asked them about the reason behind it and they can not find a specific rule or passage that references why they chose to do that.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and bring to your immediate attention a significant inaccuracy that I have identified in my credit report, as provided by your agency. The discrepancy pertains to the reporting of outdated information related to the following closed credit card accounts : Account 1 : Creditor Name : USAA SVG BK Account Type : Credit Card Status : PAID Opened Date : XX/XX/XXXX Closed Date : XX/XX/XXXX Limit : {$2800.00} Last Reported : XXXX XXXX, XXXX Account 2 : Creditor Name : XXXX XXXX Account Type : Credit Card Status : PAID Opened Date : XX/XX/XXXX Closed Date : XX/XX/XXXX Limit : {$22000.00} Last Reported : XX/XX/XXXX The reporting of these closed accounts with outdated information is not only misleading but also damaging to my creditworthiness. According to the Fair Credit Reporting Act ( FCRA ), I am entitled to accurate and up-to-date reporting of my credit history. I kindly request an immediate and thorough investigation into the following discrepancies : Outdated Last Reported Date : The last reported date for both accounts is outdated and does not accurately reflect the current status of these accounts. The information has not been updated since XXXX XXXX, XXXX, and XX/XX/XXXX, respectively. 
I request that you investigate these discrepancies promptly, verify the accuracy of the information with the relevant creditors and furnishers, and correct any inaccuracies found during your investigation. Additionally, I request that you provide me with a copy of the corrected credit report once the investigation is complete. 

I have enclosed copies of the relevant portions of my credit report, highlighting the discrepancies for your reference. Please consider the supporting documentation attached. 

I am confident that your immediate attention to this matter will lead to the necessary corrections, ensuring that my credit report accurately reflects my current financial history. I anticipate receiving a written response outlining the results of your investigation and the actions taken to rectify these inaccuracies. 

Thank you for your prompt attention to this urgent matter.
Product: Credit reporting or other personal consumer reports

I have been monitoring my credit reports and have noticed a few accounts that I was unsure of. I didn't recall signing any contract agreements with these lenders. I also saw some accounts that seemed to be showing different balances and different payment histories. I requested that these accounts be verified so that I can ensure that they are 100 % accurate and 100 % verified. I sent this letter out on XX/XX/2023. 

Upon completion of this investigation, My credit report is STILL showing inaccurate and unverifiable information. There is No way that these investigations were done properly. All XXXX bureaus are reporting different figures on the same accounts. I asked all XXXX bureaus to verify that this debt is mine and also verify the accuracy of the debt or remove it from my report. 

I am still finding inaccurate information on my report. This is hindering my ability to apply for credit as these accounts should have been corrected or removed as requested! 

The following Accounts are inaccurate : XXXX XXXX XXXX XXXXNo knowledge of this account *Report shows inaccuracies in Account #, Account type, Date opened, Past due, Payment status & payment History. 
PLEASE DELETE THIS ACCOUNT XXXX XXXX XXXX XXXXNo knowledge of this lender *Report shows inaccuracies in Account #, Account type, Date opened, Past due, Payment status & payment History. 
PLEASE DELETE THIS ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXXAccount CHARGED OFF but showing Past due Balance *Report shows inaccuracies in Date opened, High credit limit, Credit limit, Past due, Date of last payment & payment History. 
PLEASE DELETE THIS ACCOUNT XXXX XXXX XXXX XXXX Account CHARGED OFF but showing Past due Balance *Report shows inaccuracies in Date opened, Past due, Payment status & payment History. 
PLEASE DELETE THIS ACCOUNT XXXX XXXX XXXX XXXXReport shows inaccuracies in Date opened, High credit, Last Payment & Payment History. 
PLEASE DELETE THIS ACCOUNT XXXX XXXX XXXX XXXXReport shows inaccuracies in Date opened, High credit, Past due, Last Payment & Payment History. 
PLEASE DELETE THIS ACCOUNT
Product: Checking or savings account

I was a customer with Bank of America deposit {$30000.00} during that time I watch my money coming over away with high cost and high fees by Bank of America I feel I was probably taking forward {$3000.00} of the settlement money that I received
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.

I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : Account NAME/ Account # XXXX XXXX XXXX XXXX XXXX  US DEPT EDXXXX XXXX XXXX XXXX US DEPT EDXXXX US DEPT EDXXXX However, they stated everything was complete and accurate XXXX But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Product: Money transfer, virtual currency, or money service

Few months ago I created an account on www. FINANCE.US for crypto currency exchange. I made a deposit of {$6000.00}. Each time i sign in they require me to sign-in in two steps. after user name and pasword then they require a code from " XXXX authenticator '' app that was installed on my secondary phone. 
after a month i lost access to my " XXXX authenticator app on the phone and can not access my account. ( nor be able to withdraw my funds ) I have contacted Binance.us  customer service for over a month for several times. One time i received an auto response with instructions how to reset 2FA ( two step ) signing. these instructions are already available on help pages. I followed them and submitted all required information ( including photo of id, video of myself and holding id selfle photo ) It seems someone have to manually approve reset process but so far no one responded ( over a month ).

I searched online and found out lots of other people having similar issues ( discussing on XXXX ). One common complain is they can not get a response from Binance.US.

I home hoping through this channel Binance.US customer department would respond or simply return my funds to my bank account
Product: Credit reporting or other personal consumer reports

The inquiries showing in the report of Equifax and XXXX is incorrect and must be deleted accordingly : Equifax : 1. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report. 


XXXX 1. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I.C. SYSTEM, INC has reported a collections account to my credit reports in the amount of {$260.00}. 

They are in direct violation of the Fair Debt Collection Practices Act. 

I have never once received a notice from this company at my address, and I have no idea what this debt is for. Nor a phone call or voicemail from them. They made no real attempt to communicate the debt to me. If they did send a notice they either sent it somewhere incorrectly or sent it with no direct company information on the envelope. Opening random envelopes is not safe for a multitude of reasons, and they did not clearly notate themselves on any potential notices. Aside from that, I have informed delivery from XXXX and can clearly see nothing from IC Systems was ever sent. 

IC Systems has violated articles 807, 808, 809 and 812 to name a few.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I looked at my report. I sent a letter to TransUnion on XX/XX/year> asking them to reinvestigate these accounts : XXXX # XXXX,, and this is my tracking number : XXXX On XX/XX/year> they sent me their investigation and said these accounts were complete and accurate. 
I looked at my report and noticed everything was the same, then on XX/XX/year> I sent another letter with tracking number XXXX, requesting a description of the methods they used to verify the account, which they did not respond to,, and according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( il ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
and according to 15 USC 1681eb they are supposed to ensure this b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

And according to 15 USC 1681s-2 this os suppose to happen ( A ) Reporting information with actual knowledge of errors 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( i ) the information is, in fact, inaccurate. 
Trans Union really did not reinvestigation they lied on an offical document saying they did something they did not do and I have evidence to prove my case
Product: Credit reporting or other personal consumer reports

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies F ) Reporting information during COVID19 pandemic ( i ) Definitions In this subsection : ( I ) Accommodation The term accommodation includes an agreement to defer 1 or more payments, make a partial payment, forbear any delinquent amounts, modify a loan or contract, or any other assistance or relief granted to a consumer who is affected by the coronavirus disease XXXX ( COVID19 ) pandemic during the covered period. 

I am writing this for the 2 late payments that is reporting on my credit report XX/XX/XXXXXXXX  and XX/XX/XXXX. I have tried to get this updated because its affecting my credit.
Product: Checking or savings account

I used mobile app deposited two checks from XXXX XXXX XXXX, each amount is {$850.00}, and the total is {$1700.00}, she is my new roommates and I used XXXX XXXX  to pay my landlord rent. Chase bank restricted my checking account after I deposited the checks and used XXXX XXXX. 

I called the customer service and they wanted me to go to one of the branch offices, I went there yesterday, XX/XX/XXXX, and brought my new roommate XXXX XXXX XXXX there and I showed them the checks I deposit through my mobile app and my ID and they still restricted my checking account event the fund is posted already. After I verified all the information with them, they still restricted my account. 

FYI, the name of the Chase Branch manger is XXXX XXXX. the branch office address is XXXX XXXX XXXX, XXXX XXXX. 

Today, I went to the supermarket and trying to use my debit card, but the card still no good. I called the customer service again, they couldn't figure out why the branch office restricted my checking account, I need to know to use the fund, and I need to solve this problem. 

I am very frustrated, I need to solve this out, I already spent 3 days since I deposit the checks to my account and they assumed I am fraud, that's discrimination. I called, showed up in the branch, the checks are good, I didn't do any wrong, why they restrict my account? I need my money.
Product: Credit reporting or other personal consumer reports

I have discovered that an erroneous report was submitted to the credit bureau, suggesting that I had not met my payment obligations since XXXX. This information is incorrect, as I made payments for both XXXX and XXXX in XXXX, effectively paying in advance for XXXX. Although there was a minor delay in XXXX caused by an accidental charge to my old card, I swiftly rectified the situation on XX/XX/XXXX and promptly made the required payment. 

Regrettably, the bureau was informed that the company had not received payment since XXXX, which is entirely inaccurate. To avoid further complications with the company, I decided to settle the entire loan amount on XX/XX/XXXX. 

As a result of this misinformation, my XXXX XXXX has decreased by XXXX points. This is highly distressing, especially considering my consistent track record of timely payments. In light of this error and its adverse effects on my credit standing, I have chosen to settle the outstanding balance. However, I want to emphasize my dissatisfaction with the lack of regard for accuracy and its impact on customers who fulfill their obligations punctually. 

Moving forward, I have decided not to engage in any future loan agreements with their institution.
Product: Credit reporting or other personal consumer reports

Hello, I recently tried to prequalify for the XXXX Care Credit card through synchrony bank. I filled out my information and got to the last part to submit it, next minute I knew it impacted my credit causing a hard inquiry.. I go back to synchrony to ensure I was on the prequalification application but I was stunned to notice that the prequalify link takes you to the actual application causing the had inquiry on my credit report. Clearly this is a mistake by the bank, and I ask them to remove the hard inquiry as it was meant to be prequalification. I have the video to prove the link is broken for that credit card, and that it works for another credit card on their webpage. This is highly unacceptable. I shouldn't need to be cautious of the links I press to ensure that they aren't going to run my credit.
Product: Debt collection

In XX/XX/XXXX and in XX/XX/XXXX I contacted Sequium Asset Solutions for attempting to collect on a debt that was paid to XXXX XXXX prior to the reporting of this account on all three of my credit reports. I contacted XXXX XXXX to validate that this debt was paid in full and they stated there was no debt owed and they have attempted numerous times to recall the Debt from Sequium Asset Solutions with no response. I contacted them again and spoke to the manager of the customer service section who stated that he refused to acknowledge that the debt was no longer owed and refused to acknowledge, even with proof from XXXX XXXX, that there is no debt owed. I have sent in all correspondence to the debt they are trying to still collect on for XXXX that is not owed ad they have yet to remove this account from my XXXX credit report, falsely reporting a debt that is not owed. I have contacted them in XX/XX/XXXX as well and they still refuse to adhere to the FCRA and negatively reporting an account that is not owed and was paid.
Product: Credit reporting, credit repair services, or other personal consumer reports

Need TransUnion and XXXX to follow suit on item removal
Product: Money transfer, virtual currency, or money service

On XX/XX/2019 XXXX XXXX advertised the sell of a 3-day pass to the XXXX event page for the XXXX XXXX XXXX XXXX in XXXX, GA under the fake account name of XXXX XXXX. I contacted him over XXXX XXXX to purchase the tickets and he offered me the 3-day pass for {XXXX} and gave me his PayPal account information ( XXXX XXXX, XXXX ) to transfer the money and asked to send the transaction as " Family and Friends ''. I sent him the {$80.00} through PayPal and he told me that he would send me the tickets to my email ( XXXX ). After 30 minutes of not receiving the tickets, I messaged him again and he again assured me that the email was still processing since he had to change the ticket holder information before he could transfer them to me. After 45 minutes of asking him for the tickets, he blocked my XXXX account so I could no longer contact him nor see his information. I immediately called PayPal and issued a dispute for the transaction, but on XX/XX/2019 the dispute was denied by PayPal. I never received the tickets and a total of {$82.00} was withdrawn from my account. 
I would like to dispute PayPal 's review of the transaction as I immediately contacted them and issued the dispute for the scam.
Product: Money transfer, virtual currency, or money service

XX/XX/21 I initiated A transfer from my Wells Fargo account to my XXXX account for the amount of {$900.00}. The money was withdrawn from my Wells Fargo account but never appeared in my XXXX account and still hasnt as of today ( XX/XX/21 ). On XX/XX/21 I filed a claim with Wells Fargo and was told that I would be receiving a credit for the amount of money I was missing if nothing was resolved within 10 business days. I called again within the 10 business days to see if any information had been found and was told that nothing had been resolved, but again I would receive a credit for the amount of money I was missing if nothing was resolved within 10 business days. On the 10th business day, upon not receiving the credit for {$900.00} that I was missing, I called Wells Fargo and was told that I had been misinformed by both representatives I spoke to earlier and that I would not be receiving a credit. I was also told that the only inquiries done by Wells Fargo was an attempted phone call to XXXX on the ninth business day. I received a letter in the mail from Wells Fargo stating that my claim has been closed and I am still out of my {$900.00}, over a month later. Today ( XX/XX/21 ) I called Wells Fargo asking for clarification about the closing of my claim and asked if I was just out of the {$900.00} I attempted to transfer and they instructed me to call XXXX and give them a trace Number. When I called XXXX and explain the situation to them and told them that I had a trace number to give them, the lady was confused and said that its some thing that Wells Fargo should be dealing with since it is essentially a missing payment. Nobody can tell me anything about where my money is and I am still out of {$900.00} over a month later. I have had to take out a loan to be able to afford my rent, bills, and everyday necessities due to not having this money. After this is resolved I would like to close my account with dwells Fargo because this is ridiculous and I am never dealing with something like this again. I have been robbed.