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

I have disputed these negative items and inquires multiple times. The information is incorrect and not accurate. The dates open and amount are different. All three Bureaus are reporting different information. I contacted the creditors several times. My personal information I provided did not match.
Product: Credit reporting, credit repair services, or other personal consumer reports

My bankruptcy is showing as " Dismissed with TransUnion and XXXX. 

My proof Attached Shows that my bankruptcy was DISCHARGED in 2012! 

This is my second complaint. 

If this is not fixed immediately I will go to the federal Court house and start excercising my right to Sue these credit Bureaus. 

I can not even get approved for a credit card through my bank because it is showing as an Open " dismissed '' bankruptcy
Product: Money transfer, virtual currency, or money service

On my cash app someone got into my account and my bank account they took XXXX $ out of someone else account and sent it to mine then had stolen my debit card and used it after sending money to it. So the person is threatening to press charges on me and I didn't do it.
Product: Checking or savings account

I would like to file a complaint against Laurel Road Online Banking. 

I found two unauthorized charges on my Laurel Road Checking account ( XX/XX/XXXX charge of {$28.00}, XX/XX/XXXX pending charge of {$26.00} ) on Friday night XX/XX/XXXX. Since there was no Laurel Road customer service on Friday night, Saturday or Sunday, I contacted Key Bank Fraud Department ( Laurel Road Online Banking is part of Key Bank ) on Saturday to report these two unauthorized charges. A Key Bank representative told me he could not do anything to stop it. Key Bank could not see any Laurel Road charges. The Key Bank representative advised me to block the debit card online, which I did. 

I called Laurel Road on Monday morning XX/XX/XXXX. Unfortunately, there was a new pending charge of {$27.00} on Monday XXXX, which Laurel Road could not block. 

Below are the three unauthorized charges date, description and amount XX/XX/XXXX XXXX  # XXXX {$28.00} XX/XX/XXXX XXXX XXXX # XXXX {$26.00} XX/XX/XXXX XXXX XXXX XXXX {$27.00} Total {$82.00} I still have my debit card. I have never activated my debit card nor set up a pin. I have still not used my debit card either and I have never been to those three convenience stores. I really don't know how the scammer made those purchases without my debit card. I believe they have my personal information, my debit card information and have made a fake debit card. Looking at these three locations, all being convenience stores which I have never been to, it is very clear that they are all fraud. 

It took Laurel Road three months to investigate the fraud. Today I received a letter. Their investigation result is that these are not unauthorized charges because a physical debit card was present during the charges even though the debit card was still in my possession. Laurel Road requests me to return the provisional credit of {$82.00} on XX/XX/XXXX. 

I am very disappointed at the way Laurel Road has handled the fraud investigation. The fraud happened on Friday. Since Laurel Road does not have customer service XXXX, I tried to report the fraud on Saturday with Key Bank ( Laurel Road is part of Key Bank ) without success. I had to wait until Monday to report the fraud with Laurel Road. Still, it counted as reporting within one business day. 

I am a victim of this fraud and should not be held responsible for these unauthorized charges of {$82.00}. I strongly request that Laurel Road should credit me back {$82.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize Paypal/synb to check my credit. 
XXXX XXXX that they had inquired my credit. I did not apply or buy anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX failed to bill my insurance company for a date of service under which I was covered by insurance, then subsequently reported my non-public personal information to a non-affiliated third party without my authorization. If somehow they did fraudulently obtain authorization, I was never given the option to opt-out of such reporting. They continue to fail to take responsibility for their error. 

I am emotionally anguished and distressed by constantly attempting to have this error corrected to no avail despite clear and blatant violations of my consumer rights. This false negative reporting has caused credit defamation and I have suffered repeated denials of credit, embarrassment and financial strife.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit bureau dispute. False late payment reported by creditor to bureau. Error in their statement and billing cycle. Would like a updated past due history on account. Error by creditor not willing to correct in violation of the FCRA. Effecting loan applications for home purchase. Want removal of late fee from credit report not a request to validate. Have constructive payment history, signed up for auto pay, theyve returned my late fees but wont report to credit bureau of error in system.
Product: Debt collection

The company Radius Global Solutions Inc. has tried to call me every day. They say that I have an outstanding bill from XXXX XXXX XXXX from XXXX of XXXX. I have told them numerous times, I did not have a medical visit to that hospital at all during that time frame. During each phone call, I ask them to send me an itemization of the blll they claim is mine. The only thing they have sent me is their generic bill stating that I owe this bill. I have reached out to the Hospital and they have no record of me visiting their facility at all that year.
Product: Credit card or prepaid card

Im filing this complaint as. In I never asked for outrages and kind gestures saving. It is competitively hard to get a job in a local economy.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit 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 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

I contacted the CEO of XXXX someone called me stating the loans were with the department of education. I callled the department of education and they said the loans were discharged out of their system. Its XXXX thats violating the FCRA
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to TransUnion was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of accounts that are still reporting on my Credit Reports : XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$5300.00} XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$1500.00} XXXX  XXXX Date Opened XX/XX/XXXX Balance {$1700.00}
Product: Credit reporting or other personal consumer reports

I had a representative named XXXX XXXX From XXXX XXXX come by my house about installing solar. I filled out the paperwork and scheduled the initial inspection to see if my house could have the solar installed. There was many questions and issues. After XXXX left, I did research on XXXX XXXX and found out they are basically a scam company with less then reputable service so I canceled the contract on XX/XX/XXXX with XXXX XXXX. I sent in the necessary paperwork and even received a confirmation of the cancelation on XX/XX/XXXX. A few days ago, I received alerts on my credit reports of a new account. I immediately looked into this and noticed that Mosaic was reporting on my XXXX and XXXX credit reports an open account for over {$18000.00}. I contacted both Mosaic and XXXX XXXX. Both said I had never requested the accounts to be closed. I've made several calls to both but they keep giving me the run around. I decided to dispute the credit reports but Mosaic has certified that the reporting is correct.
Product: Credit reporting, credit repair services, or other personal consumer reports

After recently reviewing my credit report, I noticed unauthorized credit inquiries. I did NOT authorize the following inquiries listed below. These were not obtained with my consent. Please delete immediately. 
XXXX / XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX the XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX/ Resident data on XX/XX/XXXX XXXX  on XX/XX/XXXX and XX/XX/XXXX XXXX/XXXX  on XX/XX/XXXX XXXX XXXX XXXX  XXXX  on XX/XX/XXXX XXXX XXXX  on XX/XX/XXXX XXXX XXXXXXXX on XX/XX/XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX  XXXX  on XX/XX/XXXX XXXX on XX/XX/XXXX XXXX on XX/XX/XXXX XXXX on XX/XX/XXXX XXXX XXXX  XXXX on XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX  on XX/XX/XXXX XXXX  XXXX/ XXXX XXXX on XX/XX/XXXX XXXX XXXX  on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX
Product: Mortgage

I have been approved and found a house. Loan depot, the company I am working with, sent the appraiser over to the home. We already knew that the retaining wall outside the home might not pass appraisal. My loan officer said as long as it's not dangerous to the home it will pass. I paid {$470.00} for the appraisal. It did not pass. So when asked what can be done, as we ourselves were willing to help repair it, my loan officer said if we knock the wall down it will pass inspection. We have emails of this conversation. We did as she said and after the wall was knocked down she said that no, it should not have been knocked down, she was mistaken. She was ready to send another appraiser over, that I had to pay for, knowing it would not pass again. Thanks to my real estate agent, this did not happen. Now if I want the home I have to pay over {$1500.00} to rebuild the wall. I have spoken to the branch manager and the loan officer, the both admit to her mistake but say " there is nothing we can do, it's a mistake '' they wont own up to it financially. They have given me false information that is costing me and is prolonging the sale of this home. All I wanted was from them is to help pay for the wall which didnt need to come down down only repaired.
Product: Credit reporting or other personal consumer reports

I sent a dispute letter XXXX/2024 due to inaccurate information on my consumer credit report. The letter will be attached which is dated and time stamped. I have repeatedly asked for evidence to support your reporting, but you have failed to provide me a copy of valid and viable evidence provided by the above-named furnisher ( s ). Furthermore, I have requested your method of verification and you have not complied, which is an additional violation of the Fair Credit Reporting Act 611 ( a ) ( 7 ). In the absence of any such documentation, I demand that this information be immediately removed from the credit file you maintain under my Social Security Number. Should you continue in your non-compliance, the law is very clear as to the civil liability and the remedy available to me for negligent non-compliance. I am maintaining a careful record of my communications with you for the purpose of filing a complaint seeking relief and monetary damages under FCRA Sections 616 and 617.
Product: Credit reporting or other personal consumer reports

I financed a car through Westlake Financial, and was always on time with my payments until COVID-19 restrictions forced me to lose my employment and my car was repossessed. Even after asking for a deferment I was able to recover my vehicle for a modified payoff amount and was told that if I made this, they would remove the late payments from my record and that never happened. My credit report still shows three late payments on this loan.
Product: Credit card or prepaid card

In XX/XX/XXXX, I called XXXX XXXX to provide me the available balance transfer information and it was incorrect therefore when I tried to pay the Chase account credit card off the balance transfer check bounced NSF. I was charged a returned payment fee and late fee which were refunded as a courtesy XX/XX/XXXX. In XX/XX/XXXX, I called XXXX XXXX to inquire why the balance transfer check was returned and they offered to send Chase bank a wire for the payoff. The wire was returned because my account is closed and I was charged another late fee in the amount of {$39.00}. I opted to close the account when they erroneously increased my interest rate for no reason shortly after the financial crisis. In XX/XX/XXXX, I paid the account balance listed on the statement of {$3600.00} ( including the late fee ). I subsequently got charged purchase interest in the amount of XXXX which was paid off today XX/XX/XXXX  This erroneous interest should not be charged on a closed account. I did not make any charges and paid off the account last month. I want a check refund in the amount of the erroneous late charge {$39.00} for the returned wire and {$13.00} in erroneous purchase interest on an account that was closed ( total of {$52.00} ).
Product: Money transfer, virtual currency, or money service

Commencing on or about XXXX to XX/XX/year>, I fell victim to two multi-layered scam operations run by XXXX XXXX XXXXXXXX XXXX  which involved me making deposits for a total amount of XXXX USD from my USAA Bank account to fraudulent investment firm ( s ).
Product: Credit reporting, credit repair services, or other personal consumer reports

has me listed on my credit report as being Late in XX/XX/XXXX. My payment for XX/XX/XXXX, was {$270.00} For my credit card. Which left a {$0.00} balance on the credit card, but yet on all 3 credit reports, it has my XX/XX/XXXX payment for my Credit Card as late forXX/XX/XXXX. I have called the XXXXXXXX XXXX repeatedly, and disputed the error, I have emailed them to their company as requested " and have gotten no response to the emails, and rude, offensive customer service, regarding my complaint. When I call. I have also called, XXXX, Transunion, and XXXX. Neither XXXX XXXX XXXX, Transunion, nor XXXX  have correcited this on my credit report. I have disputed this 5 times with each, with no correction. XXXX XXXX call me on XX/XX/XXXX, and XX/XX/XXXX and both times apologized, and said it would immediately remove the late payment from my credit reports. They have not, and every time I call, they say they see it noted that it should be deleted. They even sent an email which stated they had a computer error in XX/XX/XXXX and would correct everyone 's credit report, because it listed an error of late.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 an inquiry from XXXX XXXX XXXX Services appeared on my credit report. This inquiry was a result of fraud. It was disputed and removed from my credit report on XX/XX/2019. Later that week, XXXX XXXX XXXX Services was reporting a XXXX XXXX XXXX credit account on my credit report. This account was then disputed and now is being reported as valid by experian. XXXX  and XXXX  have resolved the account and removed it. Experian will not properly assist. If the inquiry was disputed as fraud and removed, what makes you think the account is valid? Please assist.
Product: Bank account or service

Approximately XXXX weeks ago, I went into the Bank of America, XXXX MD, branch to make a deposit. Upon making the deposit, a bank executive, XXXX XXXX, gave me a sales pitch that I qualify for free checking accounts, and a visa card. My history with this Bank was for a HELOC which I recently paid off. Now, with no debt, XXXX XXXX advised me that I should take their visa card which would give me XXXX percent interest for 12 months, and up to 3 % cash back on purchases. I agreed, and applied. The next thing I find out that my credit rating dropped XXXX points because of this Banks queries, and the credit they offered was a measly {$2500.00}. Once I received the card, I immediately went into the bank and demanded they withdraw their query - which they did not. I returned the card ( which I never activated ). My complaint is due to the fact that my credit rating dropped XXXX points because of their query. I need they to retract their query, so that my credit rating can return to the XXXX is was before
Product: Credit reporting, credit repair services, or other personal consumer reports

I attempted to freeze my credit with Transunion. Due to misleading information on their website, I ended up signing up for a subscription to their credit protection service. I cancelled as soon as I realized that I was paying for a monthly subscription to a service rather than the credit freeze I thought I was paying for. I chose the cancel reason of I did not know what I was signing up for. They did not refund my payment. It appears that Transunion is trying to make a profit off of people concerned about the XXXX security breech.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XXXX I just got information from XXXX XXXXXXXX XXXX that moving forward, XXXX will be servicing this account. Please Delete the XXXX  XXXX XXXX Account from my profile from my profile. I have not given written permission for this account to be on there. 
According to 15 U.S. Code 1681 - Congressional findings and statement of purpose As A Consumer I have Right to Privacy, ( Accuracy and fairness of credit reporting4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. ) Abusive Practices 15usc1692 ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 
( 15usc1681 A # 2 ) ( 15usc1602 L ) Gramm-Leach-Bliley Act : They never explain this sharing of my information Any Violation under Truth and Lending is double the Finance Charge 1635 the failed to explain which is a Violation. 

I have not done any business with XXXX XXXX XXXX, I have sign any contract with XXXX XXXX XXXX. My Legal name is XXXX XXXX and not XXXX and there is no proof that I XXXX XXXX owe any thing on this account. I have not been provided any validation on this account. 

According to FDCRA, I have a write to privacy and I have not given any one permission to transfer any account of my mine or my personal information to any one. 
( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. 
( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Product: Credit card

I just received the results from the previous case I have reported XXXX. I want to re-open this case because I believe Im not responsible for paying unauthorized transactions with the amount of {$2200.00} that was charged on my credit card. I lost my credit card and someone got a hold of it and was able to use it, Im not responsible for those charges that were made. Ive had this issues with Wells Fargo and they did not believe me just because there was a previous case that happened before.
Product: Credit reporting or other personal consumer reports

on XX/XX/2023 i sent a dispute to Experian to verify a collection account that i have any knowledge in regards to. They have yet to process my request and I have given them different calls. It is past the 30 days that i understand they are allowed to process.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against Bank of America ( BOA ) and their relationship banker, XXXX XXXX, regarding unauthorized hard credit inquiries that were made on my credit report. The details of the incidents are as follows : Incident Details : Date of Inquiry : XX/XX/year> Date of Inquiry : XX/XX/year> Name of XXXX  Banker : XXXX XXXX Location of Branch : XXXX XXXX XXXX On XX/XX/year>, I visited the BOA branch and spoke with XXXX XXXX to discuss refinancing my XXXX  loan. During our conversation, I explicitly asked if the pre approval process would result in a hard inquiry on my credit report. XXXX XXXX assured me XXXX  times that it would not. Despite her assurances, within XXXX  of submitting the form, I received notifications from XXXX and XXXX XXXX XXXX indicating that a hard inquiry had been made by BOA. 

This is the XXXX  time BOA has misled me regarding hard inquiries. The XXXX  incident occurred on XX/XX/year>, under similar circumstances. This pattern of deceptive practices is unacceptable and has caused significant damage to my credit report. 

Consumer Rights and Laws Violated : Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., consumers have the right to accurate and fair credit reporting. The act also mandates that a consumer must provide explicit consent for any hard inquiry to be made on their credit report. BOA 's actions, facilitated by XXXX XXXX, have violated these provisions by conducting unauthorized hard inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

there has been account in my credit bureau for more than 7 years and the credit bureau dont deleted
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. 15 USC 1681i ( a ) ( 1 ) ( A ), Can you reinvestigate the completeness and accuracy of the list of accounts below : IQ DATA INTERNATIONAL ; Account Number. 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.