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

After Reviewing my Credit Report with TransUnion I noticed Inquiries on my TransUnion Credit Report that I did not Authorize that are not connect to any account on my credit report by these banks of dates listed, XXXX XXXX Inquires Date XXXX, XXXX XXXX Date XXXX, XXXX XXXX XXXXXXXX Date XXXX, XXXX XXXX XXXX  Date XXXX, XXXX XXXX XXXX XXXX XXXX XXXX. According to 15 USC 6802 ( d ) A financial institution shall not disclose, other agency an account number to similar form of access code or transaction of consumer. According to 15 USC 1681 ( b ) I did not give written consent nor instructions for any inquiry to be allowed to report to TransUnion Credit Bureau. Please verify all written letters. 18 USC 1028A Aggravated Identity theft. TransUnion Credit Bureau has committed a crime according to 18 USC 2028A Aggravated Identity Theft. Please remove all inquiries on my credit Report with TransUnion
Product: Debt collection

The original debt is XXXX XXXX. They have called before and I told them not to call. I mailed them a letter telling them to stop, and they still continued to call.
Product: Money transfer, virtual currency, or money service

XX/XX/20 I tried to use XXXX to send {$370.00} to my roommate for rent. However, PNC changed their rules and I can no longer do that.
Product: Credit reporting or other personal consumer reports

I am writing to address the recent reinvestigation conducted by your agency regarding the inaccurate account information on my credit report that was not removed, despite clear evidence of its inaccuracies. This failure to delete the disputed account is a violation of 15 U.S. Code 1681i ( 5 ) under the Fair Credit Reporting Act. 
Account Information : Creditor Name : XXXX Account Number : XXXX Date of Charge Off : XX/XX/year> Amount : [ Amount ] {$4800.00}
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. I have inaccurate information on my credit report that does not belong to me. I sent my letters and the FTC report to the credit bureau, and they do not want to remove the accounts that do not belong to me XXXX 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 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 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 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 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: Debt collection

I had a debt with XXXX XXXX that was paid on XX/XX/XXXX. On XX/XX/XXXX my car was XXXX by Pentagon Federal Credit Union in XXXX XXXX XXXX claiming that they have XXXX on my vehicle. The repossession was illegal since it was paid vehicle and it happened while XXXX pandemic repossession moratorium was in effect. I did not have money for a lawyer and I misplaced my receipt proving my car was paid off. I did not knew my rights so I did not take any action.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX THIS COMPANY IS REPORTING A 30 DAY LATE FOR XX/XX/2018. THIS COMPANY CAN NOT VERIFY THE ITEM. ITEM IS UNVERFIELD ITEM. IN VIOLATION OF 609.
Product: Debt collection

Received repeated phone calls after cease and desist faxed to XXXX and emailed to XXXXXXXXXXXX which is Majestic Lake Financial.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the XXXX credit bureaus was dated XX/XX/23 but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate these accounts, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX Balance : {$440.00} ; XXXX XXXX XXXX Balance : {$510.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I can not access my credit report because it is confusing me with my twin brother. transunion, XXXX, and XXXX have not helped me at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit reporting calculations are a farce and a discredit to those who must endure the financial difficulties due to the inept scoring by Transunion and XXXX  alike. When payments of {$75000.00} - {$100000.00} are reported on my total debt the scoring goes up 2 points. However when a {$19.00} charge is reported on a revolving charge card ( XXXX XXXX ) that is usually paid off before it is even billed the score goes down 2 points! ( All my cards stay at a XXXX Balance due to timely payments before the billing cycle ) This inept scoring is totally unacceptable. It continues apparently unchecked by any governing agency. When I called to report my complaint to Transunion I was ( after several minutes of electronic dialogue and button pushing ) connected a XXXX   voice that was almost unintelligible, He would only repeat some scripted paragraph over and over and could not give reason to my query. These reporting companies continue to affect good peoples potentially good credit with some off-hand form of calculating that has no rhyme or reason and can not or will not be explained by their representatives. It seems they are nearly untouchable and intentionally oblivious to the people whose financial lives are in their hands. It seems like everyday there are new class action suits for many things that go unchecked far too long. Maybe they are next.
Product: Debt collection

XXXX XXXX  -I WAS NEVER LATE ON THIS ACCOUNT AND ITS REPORTING INACCURATE THE COMPANY IS REPORTING 3X LATE THE BUREAU IS REPORTING 30 DAYS LATE.PLEASE REFERENCE FILE # XXXX IS REPORTING CURRENT PAID AS AGREED.ACCORDING TO FCRA THIS IS A VIOLATION.THIS NEEDS TO BE REMOVED.I 'VE CONTACTED XXXX NUMEROUS OF TIMES AND SENT IN AFFADAVITS THEY REFUSE TO INVESTIGATE. THEY ALWAYS SAY VERIFIED, ACCURATE BUT NEVER PROVIDE ME PROOF. 
XXXX XXXX XXXX, LVNV FUNDING, XXXX XXXX THESE ACCOUNTS ARE CLOSED ENDED ACCOUNTS IN COLLECTION MEANING THAT THERE SHOULDN'T BE REPORTING OPEN, HAVE NO LIMIT, NO PAST DUE AND NO PAYMENT STATUS VIOLATION THESE THINGS SHOULD BE REMOVED IMMEDIATELY! 
DATE LAST ACTIVE, DATE OF LAST PAYMENT ALL THIS IS INACCURATE AND AFFECTS YOUR CREDIT
Product: Credit reporting, credit repair services, or other personal consumer reports

SYNCB was supposed to remove a JCPenny account from my credit report including its hard inquiry. This has not been done.
Product: Mortgage

XX/XX/XXXX, my mom passed away, leaving me to deal with the mortgage, on XX/XX/XXXX I noticed that the escrow account was not being properly handled and paid. I requested to cancel the escrow with the lender and proceeded to pay the taxes and insurance on my own. Ocwen " the mortgage company " were still charging me escrow in my payment. therefore over charging me. I called to get things figured out. A man name XXXX who stated to stop making payments until they can figure it out. They have yet to do so, even after months of talking with several different people from Ocwen. So I decided to start paying it for fear of foreclosure and false info from the bank. I mailed a paymant, hoping that would at least get some attention on my account. The bank Mailed it back. Now the bank os refusing to take any payments. They have refused to stop charging me Escorw and now are refusing to talk to me or even transfer me to a supervisor. I need help because they are unfairly handling my mortgage, as well as over charging me in fee 's and escrow. I believe they are taking advantage of me and I do not know where else to turn .Please help me.
Product: Checking or savings account

I recently deposited my money into my savings account and it was moved and I didnt move it because it just happened to be my rent money. Which is due on the XXXX of the month. The people who work for Citibank has a language barrier and they dont know how to talk to customers about their money so I got to wait until a letter comes in the mail because they couldnt identify me because my phone number begins with the pre fix XXXX which is a new area code in California . They are trying to tell me that the only way they can authenticate me! By asking me for a phone number that means anyone can contact them and access my account!
Product: Credit reporting or other personal consumer reports

PLEASE REMOVE THE FOLLOWING INQUIRIES AND ACCOUNTS FROM ALL THREE CREDIT BUREAUS IT DOES NOT BELONG TO ME : 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 

EXPERIAN INQUIRES : 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 

EXPERIAN ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am unable to withdraw my advertising revenue from my XXXX account via Google XXXX because my Google Payments profile is locked. 

Furthermore, my websites are linked to this Google payment profile and I can not transfer them. They are stuck not being renewed until Google releases this obscene lock. 

I have tried MULTIPLE times to have it unlocked, provided Google with all the documents that they ask for in their unlock procedure, yet I am still rejected every time. They refuse to tell me why or what I can do to unlock the account. 

This is unfair and deceptive practices. They applied a permanent ban on me for no reason. I believe it is because of my age or ethnicity and their prejudice.
Product: Debt collection

XXXX sent a past due billing statement to California and replied that this is fraud. I live in California and the day the account was opened I was in California. I requested an investigation. XXXX agreed to remove the debt. Then debt collectors started calling and sending billing statements. 
I replied with the same information I have XXXX however the continue to sell the account to different third party collections agencies. 
PURSUANT TO THE FAIR DEBT COLLECTION PRACTICES ACT 15 U.S CODE 1692 this is illegal
Product: Credit card or prepaid card

Discover closed my credit card without indicating any reason, most likely to avoid having to pay out for the significant amount of rewards I have accumulated. By closing my card before the first year promotion, " We'll match all the Miles you've earned at the end of your first year. ", Discover is avoiding having to pay double the rewards. This is a complete switch and bait scam.
Product: Mortgage

I have submitted a letter of request to attorney ( XXXX XXXX ) representing XXXX XXXX XXXX  as follows : Regarding notice dated XX/XX/year> and received on XX/XX/year>. I am requesting that you prove validation of this debt. I dispute the amount referenced in your letter as it conflicts with my records and the amount servicer/creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for Option One Mortgage XXXX XXXX XXXX XXXX Asset-Backed Certificates, XXXX XXXX who is the Mortgage of the Note and Deed of Trust associated with the above referenced loan and I have agreed upon. 
Servicer : C/O PHH Mortgage Corporation XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX FL XXXX XXXX Phone : XXXX In addition, I am requesting a copy of the original promissory note and an accurate amount necessary to reinstate this account.
Product: Checking or savings account

Starting XX/XX/2022, I deposited my payroll checks as usual which I been doing for past few years with the same bank from same employer, Truist started to hold my checks for no valid reason. Lets say for the sake of argument they want to hold the check until they collect the funds? Or if I had bounced checks in the past? Which make sense, and even if they want to argue that they want to make sure the check clears and then release the funds then still it doesnt satisfy the fact they hold the check about for over 10 days? I have proves that check clear the employer bank the next day but Truist illegally holding the money for over 10 days? This just does not justify there holding. 

The checks I am depositing are my payroll checks and never ever they got bounced, I was SunTrust customer before the merger and this never ever happened to me before, not even once. This only started to happen after the merger and no one not even at the branch willing to help? Who ever you talk to say they cant do anything? Who suppose to help me? Who suppose to figure out at least whats going on?
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}, {$0.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX/XXXX/ with ACCT # XXXX opened on XX/XX/2018 with a balance of {$0.00} -This is not my account. 

2. XXXX XXXX with ACCT # XXXX opened on XX/XX/2018 with a balance of {$0.00} -This is not my account. 


-- XXXX XXXX 3. XXXX XXXX with ACCT # XXXX opened on XX/XX/2018 with a balance of {$0.00} -This is not my account.
Product: Prepaid card

Returned a XX/XX/XXXXorder and XXXX confirmation shows it was delivered. XXXX refused refund despite delivery and now cash app says they don't have to do anything
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; Experian and XXXX  are reporting incorrectly a collection/charge-off in the amount of {$16000.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) The vehicle that was purchased had broken down and was deemed a total loss. I had GAP insurance and the total cost of the vehicle was covered by this insurance. There is no outstanding balance due and consequently nothing to collect or charge-off. This false reporting of a collection/charge-off is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to have this line item removed from my credit report however, I have not been successful.
Product: Vehicle loan or lease

XXXX has been non-compliant with removing the unverified account FMC-XXXX  XXXX XXXX Date opened XX/XX/2008 which has been deleted by XXXX  and XXXX. XXXX   and XXXX  have both completed their research and determined that Date opened XX/XX/2008 was not established by myself but XXXX  keeps verifying this accounts. Also, when I called the company they responded that XXXX  did not send them all of the verifying evidence to confirm each account is unverified.
Product: Debt collection

Received a bill in XXXX from XXXX XXXX  for a supposed visit in XXXX. The address was correct, however my last name wasn't on their invoice. I called the company and talked to XXXX ( ext XXXX ) and said it must be a mistake. I have a different company that installed my Water Heater and services it - since its under warranty. She said she is not changing any records - so I talked to the owner of the company and he said he will get back to me. 6 months later, in XXXX of XXXX I received another invoice with a different visit date, postmarked for XXXX - which I thought was also odd. The amount it {$240.00} dollars. I called to XXXX ( ext XXXX ) and went through same conversation. She said she is not changing anything so I requested any documentation to show that its me they dealt with. A PO, a signed purchase order, anything with my name on it, there was nothing. Then I get a call from Transworld System, a collection agency and they are now inquiring about this debt. So now this somehow spiraled out of control without me being involved. I have never done business with XXXX XXXX, and the fact that they can simply submit me to collections is amazing. With no proof or even my correct last name.
Product: Student loan

Three Original loan amounts were {$9400.00}. Current debt is at {$32000.00}. Multiple issues getting these paid off. I'll use one loan as example for this complaint which the original loan amount was {$3700.00} with a current balance of {$20000.00}, interest is set at 13.75 % and they will not negotiate. In XX/XX/XXXX my payment terms changed and was asking for over {$400.00} per month, I could not afford that and called to make arrangements. I was told I did not qualify for any programs. I made a large payment in XXXX of which {$280.00} went to interest and {$0.00} to principle. XX/XX/XXXX I get hit with {$620.00} of capitalized interest increasing my principle balance for the year by {$260.00}. This type of issue has been going on for multiple years and Navient ( previously under Sallie Mae ) has not been helpful in getting these loans paid down. My account history is likened to loan shark practices as every option offered only gets me farther in debt -- Since XXXX there has been over {$2000.00} in capitalized interest on this one loan ( recall the original principle was {$3700.00} ). I was told during my last call that I can only redo repayment terms twice in a two year period, but the terms are only good for 6 months. This leaves 1 year of time I am unable to pay the minimum payment which only increases the debt and ruins my credit along with any ability to refinance the loan.
Product: Credit reporting or other personal consumer reports

My account payment History reported late I want it to be updated and reported correct
Product: Credit reporting, credit repair services, or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT 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 XXXXXXXX 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. CONGRESS MAKES IT CLEAR THAT I HAVE A RIGHT TO PRIVACY AS A FEDERALLY PROTECTED CONSUMER! YOU CONTINUE TO VIOLATE AND DISRESPECT MY RIGHT TO PRIVACY WHICH IS A DIRECT VIOLATE OF THE FCRA AND THE GRAMM-LEACH BLILEY ACT . I DID NOT CONSENT OR AUTHORIZE FOR YOU, OR THE PEOPLE MENTIONED BELOW TO USE OR SHARE MY NONPUBLIC PERSONAL INFORMATION.
Product: Checking or savings account

Opened a checking account went to close out told me it wasnt any money but in order to keep the account you had to leave at least 20 in theee
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA requires accurate reporting. The account opened date is different on XXXX  and XXXX. The account shows a charged off amount and amount due. The payment history is inconsistently reported as well. The high credit amount is reported differently to both bureaus. Activity dates are also not reported consistently.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep frustration and disappointment with the ongoing issue concerning the removal of fraudulent items from my record, despite my fifth attempt to rectify the situation. Despite providing comprehensive evidence and diligently following the prescribed procedures, it is deeply concerning that the problem persists without resolution. Despite my persistent efforts to address this matter, it is disheartening to encounter continued obstacles and delays in achieving a satisfactory resolution. I urge you to prioritize this matter with the utmost urgency and take immediate steps to remove the fraudulent items from my record. Furthermore, I expect to be kept informed of the progress made in addressing this issue and seek appropriate compensation for any damages or losses incurred as a result of this persistent error. With this, I am asking for your assistance to remove the items : XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

PLEASE SEE ATTACHED DISPUTE DETAILS, AND ALL OTHER FACTUAL DOCUMENTATION, PLEASE NOTE THAT DUE TO BANK ERROR, I DIDI NOT RECEIVED THE MERCHANDISE THAT I HAVE PAID {$3000.00}, I HAVE NOT RECEIVED THE {$3000.00} CREDIT. 

THIS IS UNJUST ENRICHMENT, AND IM DEFRAUDED AS THE BANK WILL NOT CREDIT MY {$3000.00}. 

PLEASE SEE ATTACHED ALL CORRESPONDENCES AND LETTER OF DISPUTE I HAVE SENT CHASE BANK. 

THANK YOU, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX, I reached out to USDA  and requested : I request a goodwill removal of the negative ratings on this account due to XXXX. I enrolled in the XXXX moratorium during that time so the account should not have reported late. Please help me as the XXXX late payments are causing a negative affect. 
USDA did not respond and the credit bureaus are still reporting the inaccurate information even after submitting proof that the information was inaccurate.