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

I am submitting this complaint after noticing unauthorized inquiries on my credit profile XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I have tried several times to resolve an issue where a company with access to my account without my permission charged my card {$950.00} and change. I reached out to the company to XXXX, they did not answer my calls, emails or text messages once they stole the money out of my account. Once I disputed the matter BOA provided a temporary credit. I then received a credit reversal that over drafted my account. I asked for the reason for the reversal and BOA mailed me what appeared to be a fake lease document that they reported as a lease agreement. I immediately reached out to the real company and provided them a copy of the fake documents. The apartments management team provided a letter stating that I do not have a lease agreement nor application on file with their company. BOA stated that they authenticated the document which is obviously fake. BOA has yet to respond to my requests to reopen the case so that I can properly have the case looked into. I was told by a representative that they do not verify information that is sent in by the consumer. I continue to submit documents as requested only to be left holding the bag for criminals who Bank of America has not properly investigated. 

This means that people and defraud innocent people and Bank of America will do nothing to protect their consumers from thieves.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. 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 reflectio
n 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 to be updated.

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 TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( 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 1002 and It was never provided.

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

Update the late payments from my consumer reports
Product: Consumer Loan

CHASE AUTO RUN MY CREDIT WITHOUT MY CONSENT AND MADE XXXX HARD INQUIRES ON M CREDIT REPORTS DATED XX/XX/XXXX AND XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

On Sunday XX/XX/2023 I went to sleep with {$260.00} in my account and woke up to {$12.00} and a text saying my XX/XX/XXXX transaction was updated to {$260.00}. Well, what??! I already paid for that transaction, back on XX/XX/XXXX, have receipts proving that and have never been made aware of any problem with it up until cash app took it on themselves to reach their hand in and take the amount again. Upon some investigating, I see the transaction has been billed not once, not twice but three times, to which they blamed on an internal error saying its been refunded each time and kept saying the amount was double of what I paid and insisting the original charge was for {$530.00}, which now of course it looks completely different just stating there's no problem with the transaction that was " processed in accordance to the payment received and no error occurred so my dispute was denied '', Which is great, glad they finally realized that but then why don't I have my money back they took from me? Once on XX/XX/XXXX and then again on XX/XX/XXXX totaling their {$530.00}? Because {$790.00} was charged to and paid for by me without a word being spoken, an apology given or a refund received. All the photos supporting this will be attached.
Product: Credit reporting or other personal consumer reports

XXXX. XXXX XXXX XXXX  Account number : XXXX - account reported inaccurately, please remove from credit report. 
XXXX. XXXX XXXX Account number : XXXX -account reported inaccurately please update or remove from credit report XXXX. XXXX XXXX XXXX XXXX  Account number : XXXX -account reported inaccurately please update or remove from credit report XXXX. XXXX XXXX XXXX ( XXXX ) Account number : XXXX : Balance : {$950.00} XXXXaccount reported inaccurately please update or remove from credit report XXXX. XXXX XXXX XXXX ( XXXX ) Account number : XXXX : Balance : {$800.00} XXXXaccount reported inaccurately please update or remove from credit report XXXX. XXXX XXXX XXXX XXXX, XXXX Account number : XXXX XXXX reported inaccurately please update or remove from credit report XXXX. XXXX XXXX XXXX Account number : XXXX -account reported inaccurately please update or remove from credit report
Product: Prepaid card

First progress ( FP ) a prepaid credit card company recently rolled out a new paperless billing option. Once I enrolled, I did not receive an email statement for the billing cycle for that month ( i did not realize this at the time ). The following month I received a paperless statement indicating my payment for the previous month ( the month I had enrolled ) was not received. I checked my email and spam and realized the FP had not sent me an electronic statement for the month I had enrolled. I wrote to them explained how they missed sending me the electronic statement for the month I had enrolled but they shrugged it off by writing me a letter that stated that my complaint was " frivolous or irrelevant under the regulation V fair credit reporting. I selected this prepaid to better my credit and this late payment will effect my credit negatively. I hope this can be corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

As a consumer I actually have protection under the law that is delivered for me to keep me from misinformation simply being declared on my credit report. At this moment I would like to have a final request for analysis before I talk with my own legal counsel to get information on how to handle incorrect and also unverifiable items that are on-going to be approved as real. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX Balance Owed : {$400.00} XXXX XXXX XXXX Balance Owed : {$42.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX XXXX Balance Owed : {$88.00} XXXX XXXX Balance Owed : {$1600.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attached 3 FTC reports in which these accounts are not mine, severely outdated in which its later that what the FCRA allows, addresses are not mine, and inquiries in which I did not allow.
Product: Money transfer, virtual currency, or money service

I was scammed out of XXXX dollars. I applied online for a loan and somehow scammers got my information. They deposited money into my account and called me and threatened me that I had to send it back ( through the payment platform XXXX XXXX. The money they sent me disappeared from my account, therefore the money I sent them was mine. I bank with pnc which uses XXXX through there Mobile banking app. Pnc refuses to refund me. I contacted pnc immediately letting them know I was scared and had transferred the money back, and pnc did nothing about it. This all happened on XX/XX/XXXX, I just realized yesterday that the money these people had sent me disappeared from my account and that they stole my own money.
Product: Debt collection

I am being sued for Non-Payment, but all payments have been sent on time as agreed, the payment in XXXX was returned said no such address in XXXX error, I immediately mailed payment back, they acknowledge the received on XX/XX/2017, this was only XXXX business days late, then I received letter impending legal action as well for Non-Payment, the received payment pry to sending letter, I feel this legal action is unnecessary and unwarranted, I am continuing to make payments on time as agreed. I was not properly served, I found the Warrant some distance outside my residence, and mailed from Debt Collector at letter date. When I tried to talk to the Debt Collector after receive letter of impending legal action, she would not or could not stop legal action, and was unwilling to compromise or resolve this issue due to XXXX error, and just wanted to add additional fees, the Debt Collector was unprofessional, insulting, and among other statements said I lack common sense. If they are granted a judgment I will have insufficient funds for housing expenses.
Product: Vehicle loan or lease

On XX/XX/XXXX I tried to register my vehicle in Florida ( the city I always drove it ). When I arrive at the tag agency they tell me that I can't register the vehicle because the financial company ( Westlake financial ) had it registered in their name and that I didn't have authorization!

The people of the tag agency told me the steps to follow and that's when I contacted Westlake on XX/XX/XXXX by call and email. 

They responded to me the next day indicating that the request has already been processed and that I waited for a period of XXXX working days for the response. Until today 's sun I keep waiting, at first they forwarded me the same message to wait the XXXX days but the time passed and I haven't received a response to the emails for more than a month and every time I call they leave me on hold for more than XXXX hours until the call disconnects. This situation is frustrating and I don't know who to go to. I already contacted the dmv, the tag agency and they tell me that they have not received any request and that the best thing I can do is to contact the financial company.

The worst part is that I repossessed the car in XX/XX/XXXX and during all this time I am waiting for them to do that.
Product: Credit reporting or other personal consumer reports

I received an updated credit report on XXXX. Upon reviewing my report I found some negative and inaccurate information on my credit report. I sent multiple letters off on XX/XX/2023 asking for these accounts and my report to be investigated and updated via certified letters and after 90 days they still had not removed or updated the accounts. I then sent out more letters in XXXX, asking for a re-investigation and for inaccurate and unverified accounts to be removed. I don't know if the credit bureaus are working on their jobs, or just blatantly refusing to obey the FCRA, but this is a complete violation of my rights as a consumer. I am by law entitled to a complete and accurate consumer report, and ALL information on my credit report MUST be COMPLETE & ACCURATE. After receiving a new and updated report, I noticed that most of my information is a complete violation of 15 USC 1681 and the credit bureaus have not followed the procedures required by law. I would like this information removed from my credit report immediately. It's clear the investigation took longer than 90 days, or never took place at all. I just want to know how these accounts are verified, updated or accurate if the information is still showing up this way. Please resolve this issue for me. 

Tracking Numbers : XXXX XXXX XXXX XXXX XXXX XXXX Experian- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 wit The Fair Credit Reporting act. The LISt oT accounts below nas violated my Tederally protected consumer Tignts 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.

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.

The following inquiries were opened under my social security number fraudulently.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

After Graduation from University of XXXX in XX/XX/2007, I received a phone call late at night and was advised they were holders of my Student and Private Loans and need to consolidate. ( I do not recall who the company was that said they were the holders of my loan ) They Gave me 2 options for payments, which I didn't really understand what was going on. XXXX and XXXX then started sending me statements and I have since always made a payment of the total payment, if I couldn't pay the amount I have always sent {$100.00} or more to keep in good standings. I have recently found ourselves over extended and other financial occurrences in our life have taken a toll on our finances, in which I am trying to resolve. XXXX options of assistance after forbearance is not something I can financially satisfy at this time. I have continued to send $ 100- $ 200 month. However they have placed my loans in default and now I am being contacted by XXXX XXXX XXXX who tell me they are the collectors for XXXX XXXX XXXX XXXX XXXX XXXX. They too are unwilling to work with me on my payments or accept a minimal monthly payment. I have to pay at least {$2800.00} to get me out of default and then {$880.00} mo. If I could pay that I wouldn't be in this situation. My other options is to pay {$5000.00} down and $ XXXXmo for 60 months and then deal with increase of payment at the end of 60 months. They have denied me origination paperwork of loans being sold to them or my signature of agreement. This company is ridiculous and hounding and no assistance with working with their customers. I had {$100000.00} in loans for my education in XX/XX/2007, I currently have around {$60000.00}. They are threatening me, because it has been 30 days since they have been in contact with me that they are going to garnish my wages.
Product: Credit reporting, credit repair services, or other personal consumer reports

Collection Bureau Hudson Valley , Inc. is attempting to collect a debt that does not belong to me. Collection Bureau Hudson Valley , Inc. is reporting a delinquent collection account to XXXX XXXX  and XXXX that does not belong to me and is reporting incorrectly as if it does. It's hurting my credit score and I need this removed immediately.

I've attempted to resolve this by contacting the company asking for validation of this alleged debt. I sent out correspondence ( debt validation letter ) via USPS mail onXX/XX/2021, as well as faxed them a copy the same day at XXXX ( See attached confirmation ) I have yet to receive any form of sufficient validation of this debt, or any correspondence at all from Collection Bureau Hudson Valley , Inc . I am requesting legal action to terminate this account immediately and have it deleted from all major credit bureaus. Thank you.
Product: Checking or savings account

Good Morning! 
I am reported an ATM/Debit Card Fraud . My ATM Card was about to expired on XX/XX/year>. Bank said that a new card was sent to me but I never received it. On XX/XX/year> while I was @ work, someone had used my card by buying many money orders on XXXX different XXXX locations in XXXX and also on XXXX XXXX different locations. Fraud continued on XX/XX/year>, estimated of {$4700.00}. I went to the bank, to report a Fraud and file a complaint, an agent call the bank headquarter and explained that I never received the card. The bank refund the money to my account. soon after the bank took the money back from my account. I am pleading for help. Bank has been charging me with many overdrafts, I been receiving many : texts, calls & emails. I need to close the account. Would you please help me. 
XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion keeps reporting an account in collections that was settled in XXXX. The creditor has sent letters and they do not delete it. I have the letter they have provided. I have sent the letter with multiple attempts to get it updated with he right information
Product: Credit reporting or other personal consumer reports

Wassup quifax. I reviewed my Consumer Report thru XXXX XXXX since I cant get my credit report from you, and noticed that I had late payments on 2 accounts that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time paid as agreed as they should be as I was NEVER Late. Thanks, Fair Resolution! Update the account to Paid on time and never late. Please see screenshots attached :
Product: Credit reporting, credit repair services, or other personal consumer reports

I have spoke with XXXX  and they said would call Sequium and have them cancel the account and recall it.. Sequium still has not  taking anything off my credit report.
Product: Checking or savings account

I received funds from a friend via ach. Chime bank sent an email stating that my account would be closed effective XX/XX/year> with no explanation as to why. I contacted Chime on XX/XX/year> and after being transferred 4 times no one could help me. Later that day my checking account was overdrawn {$1800.00} ; my credit builder account which held {$550.00} was frozen. My direct deposit of {$1200.00} was taken. I called Chime again on XX/XX/year> and was transferred 5 times. Again, no one could provide an explanation on why my account was being closed, why my money was taken and how I could gain access to my funds. I want my funds to be returned back to me. Chime had no right to withdraw my account, and still my money that I worked hard for.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized use of Credit report and inaccurate information
Product: Credit reporting, credit repair services, or other personal consumer reports

I've reached out previously about inaccuracies on my consumer report. I am completely stressed and physically ill because of it. I havent been able to work and have lost weight and my hair is falling out.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had confidence that my personal credit history and information was protected by Equifax and had to go through the process of freezing all of my credit reports to protect my information. This is what I 'd expect my credit agency to manage and there was no assistance as I had to do the filings myself. I never received a notification and was directed to some web site to find out if I was impacted by the security breach. I do n't trust their site and did not apply for any of their credit protections and handled that process on my own. 

This is a serious matter with my personal information having been obtained through a reckless and unreliable security process on the part of Equifax. It is a serious lack of attention and protection of my financial information and is unacceptable. I will have to monitor when to release the freeze if I need to apply for credit or a loan.
Product: Credit reporting or other personal consumer reports

I disputed inaccurate information on report in XXXX of XXXX. No full investigation was made. I do not have any business or contract with them.
Product: Credit reporting or other personal consumer reports

Account number XXXX XXXX XXXX has reported me late 5 times. Witch I dusputed the late payments on my experion report. Now on my XXXX report it says I was late 2 times and they not the same months as experion report also XXXX XXXX is reporting different months also
Product: Credit card or prepaid card

When I originally opened my chime account I received a credit builder card. A couple months later it was deactivated. No one would tell me why. Months later I closed my chime account after they refused to reverse a payment to XXXX I never received my order and was out {$99.00} after chime denied my dispute. A few weeks ago I reopened my chime account and asking about the credit builder card and now Im being told Im not eligible because I closed the account. 1 I never closed the credit builder card. 2 I did not have a credit builder card when I closed my account.
Product: Credit reporting or other personal consumer reports

I recently checked my credit report and saw reporting that I do not recognize.
Product: Credit reporting or other personal consumer reports

upon reviewing my credit report I noticed several inquiries listed that I did not authorize I need these inquiries be deleted immediately from my credit report.
Product: Credit card or prepaid card

Hello I have emailed grain technology Trygrain.com because they have no agents available to agents to speak to regarding customer service. Back In XXXX XXXX XXXX they wrote my account as charged off because I needed to switch bank accounts. Then after that issue was handled I paid down the total balance of the account on XX/XX/XXXX which now only has a balance of {$10.00} and XXXX percent usage. Well grain hasnt issued me a statement since XXXXXXXX XXXX XXXX it is now XX/XX/2023 and I have yet to receive a current statement and update to my balance Im missing XX/XX/2023 and XX/XX/2023 statement. The reporting closes on the XXXX and I shouldve received current statements on the XXXX. They are also reporting the incorrect balance that Im using XXXX percent of credit and I owe {$250.00} which is incorrect. It is almost next to impossible to get anything resolved with this company and they shouldnt be able to report to any credit bureaus if they dont report information correctly or fix issues within a timely manner.