23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

The two instances of XXXX past due reports on my credit report ( XXXXXXXX XXXX  data report as of XX/XX/XXXX ). Also attached is a copy of two successful payments on XX/XX/XXXX, and XX/XX/XXXX ( XXXX Account History XX/XX/XXXX to XX/XX/XXXX ). Additionally, I was granted financial hardship assistance on XX/XX/XXXX ( XXXX  ). I kindly request your assistance in rectifying this discrepancy in my credit report. I am a dedicated XXXX XXXX who has consistently made payments since XXXX. I also provide sole financial support for my mother and special needs brother without additional assistance from the state or military. Lastly, please let me know if you need any further information from me. Thank you.
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint against TransUnion for failure to investigate and address my disputes concerning my credit report, thereby violating the Fair Credit Reporting Act ( FCRA ). 

On XX/XX/2023, I mailed a dispute letter via USPS certified mail with tracking number XXXX, which was confirmed delivered on XX/XX/2023. Per the FCRA guidelines, TransUnion had until XX/XX/2023, to respond to my dispute. However, on XX/XX/2023, I received a response from TransUnion stating they believed the dispute did not originate from me or was initiated by an unauthorized third party, hence they refused to investigate the matter. 

Subsequently, I made numerous attempts to resolve the issues with TransUnion by submitting additional disputes on XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023, and XX/XX/2023. Unfortunately, the response I received on XX/XX/2023, mirrored the initial denial. TransUnion once again claimed they believed the dispute was not initiated by me or authorized by me, neglecting their obligation to investigate and address the inaccuracies in my credit report. 

The specific issues I sought to rectify concern an account reported by XXXX XXXX XXXX and a XXXX XXXX bankruptcy entry. TransUnion 's refusal to investigate these matters is not only a violation of my rights but a blatant disregard for their legal obligations under the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

My wife and I went to XXXX XXXX to see about trading in our XXXX XXXX so they ran out credit way to many times even though they said they only ran it once
Product: Credit card

I was looking to book a flight and I was pressured by the agent at the airport to get the XXXX credit card in order to get 15 % off my flight. All the marketing states that you get 15 % off the flight and does not mention anything about requiring to have enough points to be eligible. I had to wait until my card arrived to book the flight, only to find that information out. At this point, the cost of the flight was also double the price than when I was looking at it.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts, I feel, are having a negative impact on my credit score and costing me thousands of dollars in interest each year. This is not a regular dispute ; in addition, I have filed a complaint with the Federal Trade Commission and the XXXX XXXX XXXX  since I am not aware of any of these accounts. I need this problem resolved as soon as possible ; I will not wait another 35 days for no response because you are clearly ignoring me. I demand that these accounts be removed immediately, or I will file for litigation as a result of the anxiety you have caused me. It is clearly stated in Section 611 ( a ) that failing to investigate these matters within 30 days gives a reason to immediately remove these things off my credit report immediately. It has been 35 days, so they should be erased immediately.
Product: Credit card

There were several XXXX bookings and Hotel bookings are completed in the United States but Bank of America charged foreign transactions fees on these transactions. Having contacted their agents, they had refused to remove them and they also refused to disclose reasons why these fees were wrongfully imposed.
Product: Credit reporting, credit repair services, or other personal consumer reports

There was an auto payment setup by a BOA agent which did not process therefore causing a payment to be missed. They reported to the credit agency that the payment was late even though it was a technical error on made by them in setting up the auto-pay.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that these accounts are late though your company claims to have verified these. 
Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in Cushman v TransUnion, Stevenson v. TRW ( XXXX ), and Richardson v. Fleet, Equifax, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the XXXX in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

ACCOUNTS : XXXX XXXX XXXX and XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Hi my name is XXXX! Im new to credit world i got XXXX credit card and my score is above good score! Recently i got recommendation from XXXX XXXX app that says i got pre approved for XXXX XXXX XXXX XXXX XXXX  and i thought if app recommending me this then i should have no problems with getting approved and i applied then i got denied! I was shocked now i got hard inquiry report on my credit score without my mistake! Pls if u guys can remove that i would be so appreciated
Product: Credit reporting or other personal consumer reports

As a federally protected consumer, I exercised my right to opt-out of any written, verbal or implied authorization for XXXX XXXX XXXX XXXX to share or publish my personal information pursuant to 15 U.S.C. 6802 and The Privacy Act of 1974. I wrote a letter to XXXX XXXX XXXX XXXX 30 days ago and exercised my right to opt-out of any/all authorizations regarding sharing any of my personal information and they have refused to comply with my written instructions.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the presence of a fraudulent accounts on my credit report, which is currently being reported by Experian. Despite my earlier submission of a dispute letter and the required documentation to the Federal Trade Commission ( FTC ), as per your protocol, these accounts remains on my Experian credit report. 
Upon discovering these fraudulent accounts, I contacted the associated company, which has confirmed the fraudulent nature of the following accounts and assured me of its removal from their records. Subsequently, the other major credit bureaus, namely XXXX and XXXX, have removed these accounts from their records after recognizing its fraudulent nature. 

I am perplexed as to why these fraudulent accounts continues to be reported by Experian despite being removed by the other credit bureaus. I have fulfilled all necessary requirements and provided all relevant documentation to support my claim of identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

ServiceMac LLC has not paid any property taxes from my escrow upon an earlier transfer of my mortgage from XXXX ( who also failed to pay my city taxes ). The mortgager has however steadily increased my payments to address overages in the escrow account relevant to the property taxes. They are withholding the taxes from the mortgage payments as indicated in the escrow analysis and billing HOWEVER all of the information pertinent to property taxes is not consistent with the XXXX of XXXX 's tax assessors/collections office. The taxes are assigned and paid based on the parcel # XXXX, yet XXXX has come up with some absurd excuse stating that the taxes were misapplied by the City to a different property based on the name of that mortgagee. Again taxes are assessed and identified by parcel #, that said this Servicer and the one before it that they transferred the mortgage from are providing disingenuous accounting information on the billing and the projected escrow analysis as they are not even paying any of the taxes. I have asked for proof of remittance to the city however have not received it. I have however received notices of delinquencies from the city and a tax lien notification due to none disbursement of the amounts withheld in escrow. Now ServiceMac has the gall to tell me that my mortgage is being raised yet again for property taxes-that they arent even pay! Its as if I have an adjustable rate as the mortgage is steadily increasing without any confirmation that they servicer is distributing the funds as contractually agreed upon. I have also told them that they need to cross-check whatever they are quoting to me with the prior Servicer as they too have falsely reported remittance to the City of XXXX. Im reporting so that a regulator can track and check this servicer for fraud. I cant tell whether its incompetence or intentional but this servicer is miscommunicating and not following servicing rules.
Product: Debt collection

In  XXXX   XXXX   2017  i finished pay the full amount of {$330.00} wi th Diversified Consultants Inc. Cred itor :  XXXX  and the debt is continuing in my credit report like collection debt. I sent the proof to  XXXX  that i paid this debt and they didnt take out to my credit report like collection. Also i summited an dispute without positive result.
Product: Credit card or prepaid card

In XX/XX/XXXX I had to take long-term XXXX from my job. As a consequence, I submitted the application and supporting documents to Capital One for my account ( s ) to be covered under the Payment Protection Plan that I had on my account ( s ).  ***This is the same Protection Plans that Capital One settled in class action lawsuit for failing to properly apply/apply at all Payment Protection for consumers when consumers applied***. 

After battling with Capital One who claimed I did not submit the paperwork, I retained an attorney in XX/XX/XXXXwho was able to get Capital One to apply the payment protection coverage on my account which covered my account balances in full, remove the fees they applied and correct my credit report accordingly. 

Initially, Capital One corrected my credit report to reflect that the account ( ENDING IN XXXX ) to reflect these corrections. 

However, over the past couple years Capital One has been reporting that the account was late and over the balance limit, which is not the case. The account has never been late and the over the limit balance was a result of the fees Capital One applied when they did n't property process/apply the Payment Protection Plan, which was resolved by the attorney in XXXX. 

I have tried multiple times to resolve this with the credit bureaus, but they now will not allow me to dispute what Capital One is reporting because they claim I have already disputed the issue which is not the case. 

True I did dispute before retaining the attorney, but it is only in the fast 2/3 years that Capital One is reporting the account incorrectly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I logged onto credit karma and noticed in my hard inquiry report that there was a mark for national credit card airlines. Unaware of what this could be because I have no credit cards and I do not open any I decided I needed to call them. When I called national credit card airlines they then informed me that credit karma has put this mark in error on many peoples reports and I am another victim of credit karma doing this. They also informed me I have no account with them and that I needed to dispute this with credit karma. After realizing there is no phone number for them to speak to a actual agent I then researched other people who have became a victim to this and they informed me to contact consumer financial protection bureau to get it solved, there is no reason why there should be a hard inquiry involving national credit card airlines on  my account or on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Company : XXXX XXXX XXXX Mortgage ( XXXX  ) XXXX  XXXX XXXX Mortgage is maliciously and fraudulently reporting a 90 day on all three credit bureaus. I opened a mortgage in XXXX with XXXX and paid in in full in XXXX of XXXX. The account has been closed for nearly 6 years. My XXXX, XXXX, and XXXX  reports all show a 90 day late entry for XX/XX/XXXX. 

I have written several letters to XXXX and the Credit Bureaus disputing this 90 day entry. Letter correspondence was sent in XX/XX/XXXX, again 90 days later XX/XX/XXXX regarding this inaccuracy and no response was received. 

on XX/XX/XXXX I opened a complain with XXXX XXXX directly which has not been assigned to any one in the mortgage division to investigate. They told me it would be 10 more days before someone would be assigned. 

XXXX XXXX is in violation of the following sections and subsections of the Fair Credit Reporting Act. 
PART 1022FAIR CREDIT REPORTING ( REGULATION V ) Subpart EDuties of Furnishers of Information. XXXX Reasonable policies and procedures concerning the accuracy and integrity of furnished information. XXXX ( e ) Duty of furnisher after receiving a direct dispute notice. 
List of violations and reference to codes 1. Supplying information to a CRA that it knows XXXX or should know ) is inaccurate ( XXXX ) 2. Failure to conduct a reasonable investigation of a dispute ( XXXX ) 3. Failure to notify you when it supplies negative credit information to a CRA XXXX XXXX ) 4. Failure to notify you of your right to dispute inaccurate credit information ( XXXX ) 5. Failure to correct or delete any inaccurate, incomplete, or unverifiable information within 30 days XXXX or 45 days in some cases XXXX of receiving notice of your dispute ( XXXX ) These violations of the provisions of the FCRA, caused financial harm to me as it has caused denial of credit and higher interest rates. Attached is a copy of a summary report showing all three bureaus reporting the 90 days late in XXXX, and that the account was closed and paid in full in XXXX. There is also a note that shows the account was in dispute in the attachment and that the dispute was resolved by furnisher which further proves violation of Regulation V, E, 1022.42 and 1022.43
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 ( 1 ) SunTrust Bank XXXX LightStream pulled my credit for no reason, and I've never contacted, nor ever conducted business with this company and never authorized them to pull my credit. 

On XX/XX/2021 two other companies ( XXXX ) XXXX XXXX and ( XXXX ) XXXX XXXX also pulled hard inquires. I never provided any of these XXXX companies permission to pull my credit. 

After noticing these unauthorized credit pulls, I immediately locked my credit report with XXXX XXXX and XXXX. I also contacted SunTrust/Light Stream and XXXX XXXX both stated that I would need to contact the credit bureaus and dispute it with them. There was no phone number or contact information on my credit report for XXXX XXXX. 

When I called XXXX XXXX to dispute these inquiry 's they said to ( a ) obtain a copy of my Federal Trade Commission Report ( which directed me to this website for CFPB, ( b ) and mail them a letter stating what happened. 

Please contact these companies and realize I never spoke to them directly, nor online, nor provided my info, nor gave permission to pull my credit for any reason, and please REMOVE those XXXX unauthorized hard credit inquiries from my credit report. 

I understand some companies may use other names of companies when seeking financing, but I don't need more credit at this time and the last time I authorized my credit was to purchase a house a few months ago and then was going to finance a bed that I just paid cash for. Those last three credit pulls were not authorized by me. 

Thank you.
Product: Credit reporting or other personal consumer reports

Account Name : XXXX XXXX Account Number : XXXX Reason : I don't recognize this account Account Name : XXXX XXXX Account Number : XXXX Reason : I don't recognize this account Account Name : XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Reason : I don't recognize this account Account Name : XXXX XXXX Account Number : XXXX Reason : I don't recognize this account Account Name : XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Reason : I don't recognize this account Also, please remove all non-account holding inquiries over 30 days old and add a Promotional Suppression to my credit file. 

Thanks, XXXX XXXX
Product: Debt collection

This complaint is against Portfolio Recovery Associates LLC. They failed to send me a validation letter as required by law. They are also false or misleading representations as I have no agreement with this company.
Product: Credit reporting or other personal consumer reports

I am victim of the XXXX Databreach and several fraudulent accounts are appearing on credit report that I did not authorize and have no idea how the accounts were opened. I would like the accounts removed due to identity theft. I also did not authorize several fraudulent inquiries on my credit report 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. There is an account reporting fraudulently as well : XXXX XXXX Bankruptcy Case Number XXXX XXXXThis is not mine. I have included my FTC Report Number:XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Account Number : XXXX, has violated my rights. 

XXXX5 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit score went down from XXXX to XXXX. In a day. When I contacted XXXX for an explanation they could not give me one. They said that nothing had changed on my report to warrant the big drop. I spoke with a supervisor as well. He also could not advise me on what happen or why. He saw no reason however he stated that they could not fix it. That they are not the ones who handle credit scores. I also submitted a dispute for something on my report that had already been deleted off other credit bureau reports back in XXXX of 2017. I asked for papers with my signature on them as per the FCRA. Those were never supplied to me. Per the FCRA if they can not supply me with the info I requested within the 30 day time from then the things that I disputed have to be removed by law. They did not follow the law as required. This is XXXX, experian and XXXX. 
They are not following the laws they are supposed to be. They do not understand that not doing their job correctly affects peoples lives in a terrible manner. Some people like me I can not even get a place to live now.
Product: Credit reporting, credit repair services, or other personal consumer reports

The vehicle is a XXXX XXXX with vin XXXX and the account number XXXX. 

I paid a Volvo lease in full and returned the vehicle in pristine condition, and well under the mileage limit allowed from XXXX XXXX to XXXX XXXX. 

I was told that there may or may not be an additional payment depending on Volvo 's  final evaluation of the vehicle. I was in the process of moving from XXXX to XXXX  in XXXX and lost track and contact with the company through time. 

The account was showing a status of " Paid, closed '' previously but ended up going in to a collection status for {$380.00}. I thought there was a mistake so I disputed it and around that time my credit score decreased by 100 points. 

There was a lot of confusion so I payed the additional payment but the account status is now showing up as 24 Charge off 's. This is frustrating because its derogatory and looks bad after I paid in full as agreed for {$17000.00} plus the exiting {$380.00}, and is obviously affecting my score negatively. 

I tried contacting Volvo several times to try and come to terms on this, but I keep getting shifted around, or I need to set up a new account but don't have information to start an account etc.. They're very difficult to work with, and to get in touch with the right people seems nearly impossible.
Product: Checking or savings account

I am writing regarding unauthorized ACH transactions with Bank of America on my business checking account. The charges were made to the company " XXXX XXXX, '' which I understand to be an online gambling site. The unauthorized charges were made between the dates of XX/XX/XXXX and XX/XX/XXXX. 

I contacted Bank of America and XXXX on XX/XX/XXXX after becoming aware of the problem. I became aware of the situation after multiple other accounts with Bank of America, XXXX XXXX, and XXXX XXXX 's ( XXXX XXXX ) were compromised similarly. I called XXXX on XX/XX/XXXX to report the problem and emailed their legal department. I called Bank of America on XX/XX/XXXX and again on XX/XX/XXXX to report fraud and asked them to put a hold on my account. 

Bank of America assured me they would investigate the claim and asked me to complete a form documenting the unauthorized ACH transfers. I emailed these documents on the evening of XX/XX/XXXX to the address listed on the form. 

I called Bank of America to follow up on my claim on Wednesday, XX/XX/XXXX, and was assured by the fraud representative that they were looking into it. 

After not hearing anything from Bank of America for over a week, I called again on Monday, XX/XX/XXXX. At this time, I found out that the claim had been denied or, as the phone representative told me, " not found in my favor. '' I asked if she could explain why it was denied, but she could not. She agreed to re-open my claim and asked me to fax a letter of appeal to the bank, which I did that evening. 

I still have not received any correspondence from the bank. My bank account remains frozen. My phone line has been disconnected, my website is at risk of being shut down, and I am losing money due to this problem. Not to mention I still have {$6000.00} missing from my bank account, and nobody seems to be able to do anything to help me. I never received a claim number ; I did not receive any letters or explanation regarding my claim, nor did I get any sort of temporary credits to my account while the claim was investigated. 

I plan on continuing to pursue this claim to the fullest extent. I have been a loyal customer of Bank of America since XXXX and trusted them to keep my money secure. I did not authorize these charges. This is an account used for business purposes and business purposes only. I am writing because I need help to understand my rights and what I need to do next to get my hard-earned money back.