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

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXXtransunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX XXXX XXXX XXXX XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.
Product: Credit reporting or other personal consumer reports

I recently reviewed my consumer report and I noticed that there were two late payments on my account with that are reporting wrong dates and years. In addition to that, I have also noticed that several of my consumer rights have been violated in the midst of these late payments being added to my credit report. According to the Fair Credit Reporting Act ( FCRA ), as outlined in 15 USC 1681e ( b ), consumer reporting agencies are responsible for providing maximum accuracy when reporting consumer information, however my consumer report has several inaccuracies that I have attached. In addition to that late payments are considered transactions due to the late fees that are associated with credit account. 
XXXX Reporting date Open Date XX/XX/XXXXXXXX  Last Activity XX/XX/XXXXXXXX  Equifax Reporting date Open Date XX/XX/XXXXXXXX  Last Activity XX/XX/XXXXXXXX  XXXX  Reporting date Open date XX/XX/XXXX Last Activity XX/XX/XXXX
Product: Credit card

I have a credit card with Fortiva. I obtained it in XX/XX/2022. I am in the process of rebuilding my credit and was aware of the {$170.00} first year annual fee which would be reduced to {$49.00} for the second year and years thereafter. Looking at my statement today, I discovered Im being charged a monthly {$12.00} account maintenance fee. When I asked why, I was told that when the 2nd year begins, the annual fee drops to {$49.00}, and the monthly account maintenance fee of {$12.00} is charged to provide basic services, such as online chat and other things, to which I pointed out that I have other credit cards that provide such services without charging any fee. Then I did the math- {$49.00} + {$150.00} ( XXXX. for XXXX months ) equals {$190.00}. Thats an extra XXXX XXXX over the first year {$170.00} annual fee! I think this is a major deception by Fortiva to gouge their customers, many who, like me, arent even aware theyre doing it. Fortiva makes it sound so appealing- {$170.00} for the first year, {$49.00} after - and no mention is made of the {$12.00} account maintenance fee that gets charged after year one that puts almost {$25.00} extra per month per customer in Fortivas pockets.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was looking at my credit report and I found some items that where delete from another third party collection have been sold or transferred to XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX .I have requested legal documentation from all the mentioned companies I never received anything. Please delete them at once.
Product: Checking or savings account

Account is in dormant status so I went into branch with 2 Formas of ID and said I want to close account Banker would not allow me to close I said I do not wish to continue to do business and you do not have my concent to keep account open. 


PNC BANK
Product: Student loan

On XX/XX/XXXX I paid off XXXX XXXX XXXX with EdFinancial, my loan service provider. On XX/XX/XXXX I made a payment of {$340.00} to XXXX XXXX XXXX with EdFinancial. The payment was misallocated to XXXX XXXX XXXX by EdFinancial. I did not notice this mistake until XXXX, XXXX. At first I believe I had somehow selected an incorrect loan group while making my payment, but was confused as I didn't believe I'd be able to make a payment to a paid off loan. However, after contacting EdFinancial to receive assistance is correcting the payment, I was told they had a system-wide error in XXXX causing many payments to be misallocated. The agent on the phone told me no attempt to contact me to inform me of the error had been made, because many clients were calling them with the same issue, so they didn't have time to provide a notice. I asked if the error would be corrected before the forbearance period ended on XX/XX/XXXX, they said they were unsure and couldn't provide a resolution timeline. I reached out via email to receive assistance as well and they said they could submit a " request to our Finance Department to review [ the ] account. '' I received an email on XX/XX/XXXX saying they had resolved the issue. However, when I logged into my account to review the correction on XX/XX/XXXX I found that they had not corrected the error. Instead, they had left the payment from XX/XX/XXXX incorrect and moved my pay-off payment from XX/XX/XXXX to another loan group, incorrectly. Now XXXX XXXX XXXX is incorrectly paid off and XXXX XXXX has a remaining balance of {$770.00} instead of being paid off. I called EdFinancial to remedy this on XX/XX/XXXX and they said they'd try to correct it in the next 7-10 business days, but I'd have to be patient as they have hundreds of these corrections to complete. However, this issue is persisting and the Forbearance period is ending soon and I will have to pay a higher interest rate on Loan G instead of Loan C. I've been going back and forth for an error on their part for a month and they seem to be making the initial issue worse rather than resolving. Additionally, when I ask how I can make sure this issue is documented, they say they are unable to provide any documentation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Am a federally protected consumer. XXXX was notified of a dispute of account with XXXX XXXX Account number XXXX pursuant to 15 USC 1681a, ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. XXXX HAS FAILED TO DISCLOSE AND PROVE THEY HAVE HAD PERSONAL INTERVIEWS WITH MY NEIGHBORS OR FAMILY, under 15 USC 1681 ( a ) ( 4 ) i have a right to privacy i ask this account be removed from my consumer report... ACCORDING to 15 USC 1681b ( 2 ) STATES YOU HAVE TO HAVE WRITTEN CONSENT FROM I THE CONSUMER TO EVEN FURNISH SOMETHING ON MY REPORT THAT IS IDENTITY THEFT .... Any Negative marks need to be deleted ACCORDING TO 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) THERE SHOULD BE NO INFORMATION SOLELY AS TO TRANSACTIONS OR EXPERIENCES BETWEEN THE CONSUMER AND THE PERSON MAKING THE REPORT ALL TRANSACTIONS BETWEEN I AND XXXX XXXX SHALL BE DELETED PURSUANT TO 15 USC 1681c-2 I CALL FOR A BLOCK TO ANY INFORMATION ON THIS ACCOUNT WHICH RESULT FROM IDENTITY THEFT
Product: Debt collection

I have previously communicated with this company about these unverified debts that do not belong to me, and they have shown no proof that the alleged debts belong to me. I am tired of them calling my phone communicating about a false debt that isn't mine. I am getting ready to file for ligation, if this happens one more time. If anything comes on my credit report, I will sue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have some account on my credit file that are not my and I have tried to fix the situation back in XXXX as when I first witness it. Accounts such as XXXX XXXX, XXXX XXXX, XXXX, and XXXX XXXX XXXX. I would like this item remove off of Trans union and XXXX.
Product: Credit reporting or other personal consumer reports

Capital One is reporting 'Late Payments '' on my consumer report. I've been writing them for months demanding them to completely remove these late payments. 
I know they're in violation of congress federal law '15 USC 1666B- Timing Of Payments ' and also " 15 USC 1681 S - 2 - Responsibilities Of Furnishers Of Information To Consumer Reporting Agencies ''. 

LATE PAYMENT DATES : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

Capital One also keep ignoring my disputes which I have evidence and tracking numbers as well. 
Capital One doesn't respond within the 30-Day period allowed by law. And when they do respond they completely stall me and ignore me. they tell me that i need to provide them with personal non public information such as my social security number in order for them to proceed with the dispute. 
WHERE IN THE LAW DOES IT STATES THAT I HAVE TO GIVE MY SOCIAL SECURITY NUMBER TO A FINANCIAL INSTITUTION LIKE CAPITAL ONE? 
Capital keep violation my rights as a consumer and also congress federal laws. 
because of Capital One inaccuracies on my consumer reports I'm getting denied and its affecting my life style, mode of living and my general reputation as a consumer. 
If they don't comply with federal laws or my requests and remove the late payments on my consumer report I'm going to take legal action and sue Capital One for damages done to me in the last few years. 
I have all the evidence needed to take down and completely expose Capital One Bank ilegal practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to receive an insurance quote from XXXX on XX/XX/2020 and there were items listed on one of my consumer reports/C.L.U.E/Lexis Nexis reports that are not associated with me or my name or my driving record. I already ordered a hard copy of my CLUE  report and contacted the DMV/MVR and confirmed that these reports are not associated with my name or with my driving record. I have a very common name and I am sick and tired of predatory companies forcing incidents/reports onto my record when in all actuality they are not associated with me at all. I received an email from my insurance company today, XX/XX/2020 stating that they removed the incidents from my record but Lexis Nexis added them back again. My insurance company and Lexis Nexis can clearly see that this is a totally different person. The only explanation that was given to me, is that me and this other person have the same first name ; XXXX. That is an unacceptable explanation. I was also provided with the name of XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. I am not affiliated with any of these people or companies. This lack of proper reporting has impacted me financially and should be illegal. I have been a resident of Wisconsin my entire life. XXXX XXXX XXXX does not even provide services to Wisconsin residents. I have not been able to verify XXXX XXXX XXXX XXXX or find them online. I have personally contacted all parties involved asking for an explanation and dispute the report. XXXX is affiliated with the XXXX XXXX XXXX How can this unfair and unsubstantiated reporting practices happen to people? What is the explanation? This is financially and mentally impacting my livelihood. I am disgusted with Lexis Nexis and there inability to correctly report information. This is fraud and should be illegal. I will be taking additional action based off of my rights as a consumer through the Fair Credit Reporting Act. This type of practice is illegal and only serves the interest of multi-million dollar companies fraudulently reporting to increase their profits at the cost of the consumer. Sad to say ... ..but this is the American Way!
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. 

Account name : XXXX XXXXXXXX XXXX XXXX # XXXX, Account name : 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is regarding Equifax. Because of their breach I was forced to freeze my credit with them as well as XXXX  and XXXX. I signed up with accounts, passwords and PIN numbers which were issued by said companies. Over the past several years I have temporarily lifted the freeze so credit could be pulled. I have had no problems whatsoever with XXXX or XXXX. Their computer systems work beautifully but to date Equifax has been a nightmare. Today I needed to lift the freeze so a local oil company could pull credit. As always I go the " system is temporarily down '' notice so I called the toll free number. One question asked what my payment amount was. A single payment loan does not have payments therefore I answered to what I thought was appropriate. Now my credit is blocked until I send personal information through the XXXX mail or fax ... .ie, copy of DL and copy of social security card. I called Equifax and tried to deal with person who spoke broken XXXX to no avail. 

I can not believe that a company which caused the computer breach that effected millions of people 's credit does not have a computer system that will accommodate consumers. Nor can I believe that through no fault of my own I am now relegated to sending personal documents through the mail which could be another disaster. Equifax has gone from allowing their computer system to be hacked to not having an operational system at all. To compound the problem they employ non English speaking individuals. 

I can not believe that a US company is allowed to operate under these conditions. I am sorely disappointed in this company and unfortunately I can not op out of dealing with them.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. I am writing to request that you block the following inquiries from my credit report. Someone has used my personal information. I also have no knowledge of any suspects, please block.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently obtained a copy of my credit report from the Equifax, XXXX and XXXX. There, I discovered accounts and inquiries that are unauthorized. These are information that should not be on my report. These are inaccurate, outdated and can be considered as fraudulent.
Product: Credit reporting, credit repair services, or other personal consumer reports

This agency is in violation of 15 U.S.C. 1692g. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report.Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company. I will also be seeking litigation and {$1000.00} per violation. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ). 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( XXXX XXXX XXXX XXXX ), you may be liable for your willful non-compliance.
Product: Credit reporting or other personal consumer reports

When the SEC seeks civil penalties against a defendant for securities fraud, the Seventh Amendment entitles the defendant to a jury trial. 
XXXX XXXX XXXXXXXX, XXXX XXXX ___ ( XXXX ) 28 U.S. Code 1691 - Seal and teste of process All writs and process issuing from a court of the United States shall be under the seal of the court and signed by the clerk thereof. 

( XX/XX/XXXX, XXXX. XXXX, XXXX XXXX. XXXX. ) XXXX XXXX  Never Served USM-285 and Violation of Seventh Amendment Jury Trial.

Writs never signed by Court Clerks
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I am having problems with two of the three credit reporting agencies ignoring my justified request to remove a 10 year old mistake, XXXX XXXX and Experian not only refuse to remove the item but refuse to even discuss its possible removal because the issuer is saying that its a valid claim still Just reiterate 10 years, California I think its three years but even if it wasnt theres a 7 year maximum. Additionally, XXXX immediately removed the item upon my request years ago. I have written both of them many many times over the years with no response and no have reached the point of contacting whoever I can for whatever assistance I can get to get this blight off of my credit. Thank you in advance for whatever assistance you can yield. 

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

I need your assistance with this incorrect account listed on my credit report. It has harmed my reputation, and I require your help to resolve it.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress the issue
Product: Credit reporting, credit repair services, or other personal consumer reports

Investigation took more than 30 days, and no results.
Product: Credit reporting or other personal consumer reports

Dear Transunion, This Collections Account Status is Open. How is this even possible? Collections are Closed accounts by default. Transunion is very unreliable ; you guys need to provide 100 % Accuracy. 15 USC 1681e ( 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. 

TRANSUNION ISNT ABIDING BY THIS LAW, FIX OR REMOVE THIS ACCOUNT XXXX XXXX Account # : XXXX XXXX XXXX IS A COLLECTIONS ACCOUNT. ALL COLLECTIONS ARE CLOSED ACOUNTS BY DEFAULT, WHY IS THIS ACCOUNT STATUS EVEN OPEN.THIS IS VERY IMPORTANT, THIS IS NOT MAXIMUM ACCURACY PLEASE REMOVE THIS ACCOUNT.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my XXXX XXXX. 

This account is reporting late as reported in XXXX and XXXX. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXX and 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ever 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! 

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

ALL 3 CREDIT AGENCIES CONTINUE TO VIOLATE " FCRA '' SECTIONS 604,605A, 605B, 607, 611, 623A... WITH REPORTING OUTDATED SINCE 2014 INCORRECT " PACER '' DATA OF PUBLIC RECORDS NOT MY ACCOUNT AND NEVER HAD ANY CH XXXX  BANKRUPTCY
Product: Credit reporting, credit repair services, or other personal consumer reports

I obtained a copy of my credit report a month and found some incorrect items. I contacted the credit bureaus via mail. According to the law they are suppose to reply within 30 days. I have not heard anything back from them. This incorrect reporting has harmed my financials, my ability to get credit, sba loan and even a new job.