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

I have reached out to the XXXX credit bureaus about derogatory issues on my account. 

There are XXXX accounts that XXXX, TransUnion, XXXX show I have reached out to them numerous times its been about 5 months but the accounts are still on my report which is brining my credit score down.
Product: Money transfer, virtual currency, or money service

On the XXXX of XX/XX/XXXX ( XXXX YEARS AGO ), I Got an email telling me that my account was permanently limited and that I would be unable to do business with PayPal anymore ( Ref id - XXXX ), I was told to wait for XXXX days of which I diligently waited, then on the XXXX of XX/XX/XXXX, I got another email stating that I am eligible for withdrawal. I tried adding a bank account and a debit card to my account but I have been unable to add it, I proceeded to call the agents, and I spoke to the first agent on that same day, and I was told that I should wait for XXXX hours of which I waited, after the XXXX hours I proceeded to add my bank account again but was faced with the same error, so I called again and the agent said my account was still under review and I will get another email from them, after XXXX days and over XXXX calls to PayPal customer care, I still haven't received my {$22000.00}. I need PayPal to release my funds with immediate effect.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




UNAUTHORIZED INQUIRIES : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 of 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

NMAC reported a 30-Day late payment to the credit bureaus on XX/XX/2021. It is Nissans own fault that this payment is being reported late, and they refuse to take any responsibility for it. I was given a COVID-19 extension, and this negative reporting could have been avoided because Nissan could have received the signed extension form back before the payment due date ( XXXX XXXX ) if they had given me accurate information when I inquired about an extension in midXXXXXXXX XXXX. They told me that the extension form had to be mailed, and it could not be emailed or faxed to me. I never received the extension form from Nissan in the mail. So, I contacted Nissan again, and the representative emailed the form to me immediately. 

He told me the form could not be emailed back, it had to be faxed. But when I received the form in the email, it listed an email address for the form to be sent back to. I returned the signed form, and the extension was granted. Therefore, the payment that was extended should Not have been reported late. The extension was already in the works, and it was just tacked on to the end of the loan. When you look at the before and after extension screen-prints I have, you can see that the Past Due amount changed to ZERO after the extension was granted/applied. 

I have the Extension Form. and this is all the documentation that I have since I can not show the telephone conversation where your representative misled me and said he could not fax or email the extension form to me ( which would have saved a lot of time and avoided this problem ), but it had to be mailed. 

So you can see that this 30-Day late payment was not due to any fault of mine. If NISSAN would have just told me that with the extension, they were going to flagged it as a late payment, I would have borrowed the money and made the payment on time. I told this to one of your online chat representatives and he said he would note this on the account. 

So, I dont understand whats going on here, but something is not right. Im being treated unfairly, and it is NOT RIGHT.
Product: Credit reporting or other personal consumer reports

on XX/XX/2024 i sent a dispute to transunion, to investigate unauthorized inquries on my credit report. today is XX/XX/2024 the only responce i got was they are not processing the dispute which is also considered violating Compliance Procedures 15 USC 1681e. Under this law the credit bureau has to complete an investigation whenever the consumer notifies the bureau in writing that they dispute an account, however they wrote you and said they are taking no action.
Product: Debt collection

On XXXX XXXX, 2015 we became aware of problem with our bank account. We were in the process of moving during this time and found that our account that had more than {$2500.00} in it had been seized. According to the documents that our bank provided us two weeks later, there was a summons of garnishment issued to them by Magistrate Court in XXXX County Georgia.The attorney listed on the summons was McCullough, Payne & Hann in XXXX, GA. I am unfamiliar with the Plaintiff who was listed as XXXX XXXX/XXXX XXXX XXXX We also have never lived in XXXX County so I 'm unsure as to why this was filed there. The garnishment seized funds in a joint account so I am unsure who they were trying to garnish, myself or my husband. Bottom line is this company has taken all of the money that we had to our names and I would like some answers as to why our bank, without having proper definite information that this is even our debt, attached the garnishment without confirmation of ownership.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made MULTIPLE DISPUTES WITH YOU ALL THROUGH XXXX  AND YOU ALL HAVE YET TO REMIVE THE ACCOUNT OF MY REPORT. I have contacted you all on several occasions advising you to send debt validation or remove item from my credit. This is hindering my score and the debt is not mines. If you all can not and will not provide the REQUESTED INFORMATION remove it from my report or I will now start to take further legal action for incorrect reporting as it is stopping me from what I have planned for my future. REMOVE THIS DEBT IF YOU DO NOT HAVE VALIDATION MEANING SIGNED PAPERS WITH MY SIGNATURE!!!!
Product: Money transfer, virtual currency, or money service

I have the dates starting from back in XXXX at XXXX amount of money was moved without my permission and the company did nothing about it and I would like a refund. Thanks in advance.
Product: Credit reporting or other personal consumer reports

I submitted the front of my id, a utility bill and my social security card to transunion credit reporting agency in my defensf of trafficking. I provided documentation to prove Ive received couseling from the givernmnet official agency about my situation. Transunion has not responded nor remove blocked and deleted the debts from my credit report. I provided all documentation as well as a self attestment validated by a court appointed rep. from the courts with the time stamp and dates on it. I am 8n compliance with the final rule which establishes me as a victim of debt bomage. Can you please block this information from my cra reprot immediately within 4 business days as stated in the fcra 605c. I have included all the items that were asked to be blocked and delete but nothing as happened and it has been well over 30 days. Ive included the certified mail to provve that this dispute was sent and received as well as ignored. 

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

I had done an investigation on my credit report which caused me severe XXXX to me due to me finding inaccurate, unverifiable, questionable, predatory and fraudulent even. 

The item on my report is the following : Account name : XXXX XXXX Account Type : Charge off ( closed account ) Amount due : {$500.00} Date placed on my report : XXXX Your agency did not make sure it was reporting as 100 % correct. 

In ordinance with the Fair Credit Reporting Act, everything has to me 100 % accurate on my credit report, and under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these account ( s ) are in violation not reporting 100 % accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcy. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. 

XXXX  XXXX  XXXX {$190.00} XXXX XXXX XXXX {$230.00} XXXX-XXXX  XXXX {$1400.00} XXXX  XXXX  XXXX {$0.00} XXXX  XXXX {$20000.00} XXXX/XXXX   XXXX {$83.00} XXXX  XXXX {$130.00} XXXX XXXX XXXX {$0.00} XXXX XXXX {$330.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00}
Product: Debt collection

For the past several yrs.i have been receiving letters, and phone calls concerning a debt that i never owed, i have advised Credit Control LLC. each, and ever time when they call me i have no ideal what there talking about as to the mention debt, and to stop calling me, and sending me letters. but Credit Control LLC. continues to harass me.by sending letters, and calling my home a few times a week. i sent CREDIT CONTROL LLC a letter about a year ago, and another letter two months ago. advise them do not ever contact me again as to a debt that i never owed but CREDIT CONTROL LLC continues to harass me. the last call i received was on XXXX/XXXX/2016 last Friday. also when i sent out the two letters i advised CREDIT CONTROL LLC they are in violation of the fair debt collection practices act. pursuit to 15 USCA Section 1692c. but CREDIT CONTROL LLC continues to ignore my request.
Product: Credit reporting or other personal consumer reports

I looked at my report back on XX/XX/XXXX, and noticed some things are incomplete and not accurate. I sent a letter to Experian XX/XX/year>, and asked them to investigate the completeness and accuracy. I received the results and noticed they did not fix anything. THEY ARE BREAKING FEDERAL LAW. 

According to 15 USC 1681 e ( b ) it states this ( 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.

According to 15 USC 1681 ( 5 ) it states this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) in general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) Promptly delete that item of information from the file of the file of the consumer, or modify that item of information as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of the information has been modified or deleted from the file of the consumer. 

According to 15 USC 1681 S-2 it states this ( A ) Reporting information with actual knowledge of errors a person shall not furnish any information relating to a consumer to any consumer reporting agency if that person knows of has reasonable cause to believe that the information is inaccurate. ( B ) Reporting information after notice and confirmation of errors a person shall not furnish information relating to aa consumer reporting agency if - ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) The information is, in fact, Inaccurate This is unfair and if the are doing this to me imagine who else they are doing this to. 
CAN YOU FIX IT
Product: Debt collection

They go by the name of CBE, located out of XXXX XXXX, IA. They repeatedly call me even though I have absolutely no unpaid debt. The have called on XXXX XXXX XXXX XXXX and XXXX ( XXXX, XXXX, XXXX, XXXX, XXXX, XXXX ) all using different numbers and I had to pay for a call filter just to get some sleep.
Product: Credit reporting, credit repair services, or other personal consumer reports

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. 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 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. In accordance with FCRA, I am requesting these items to be reviewed for completeness and accuracy, and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit card

I recently reviewed a copy of my XXXX and XXXX XXXX XXXX report and noticed a fraudulent JPMCB CARD account opened on XX/XX/2021 under the account XXXX that i now believe is due to Identity Theft. I have noticed JPMCB NOTICE and as they appear to think i owe them money, i am happy to pay, but first i need some verification before payment is made. First, there is a need to verify the debt, so please send me a bill with a human signature on it. Also, i need to see the lawful, two-party contract supporting the bill with the wet ink signatures of both parties, if you refuse to either supply those things, then stop bothering me and delete this from my consumer XXXX report. You always have the option of dragging these conditions into the court of law or arbitration only to be told that my request for the two-party contract are, indeed, lawful. That is, of course always your prerogative should you decide to waste your time.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX neglected to adequately investigate my claim regarding inaccurate information on my c edit report from XXXX collection and data collection and credit protection.
Product: Credit reporting, credit repair services, or other personal consumer reports

on Tuesday, XX/XX/2020 Sent via USPSCMR : XXXX XXXX XXXX XXXX XXXX i contacted the reporting agency to remove some inaccurate data on my report. 
instead of credit reporting agency taking the incorrect items off they verify the items without proper procedure
Product: Credit card

I am trying to close my business credit card ( XXXX XXXX XXXX ). The business is not active. I had closed the business banking account but the credit card did not get cancelled. I am being charged fees. I have the Citi app and tried to find the procedure or link or contact info to close account - NONE available on the App. I called the general Citi account number today, XXXX XXXX 2025. After getting through the automated process, I spoke to a representative and gave my ID information which was all verified and asked to close the credit card but the person said they could not and forwarded me to " customer service ''. The person transferred to asked all the same verification information and again stated that they could not and forwarded me to " customer service ''. Unfortunately, I kept going in circles on the phone with having spoken to XXXX representatives, all of whom said the same and transferred the call only to go to another rep. The line was also not clear, as if from overseas with static. The last person who answered, said I can't hear you and said call again and hung up before I could say anything. This phone transfer fiasco took half-an-hour without having spoken to anyone who could assist. I searched online and on my online account with there being no clear process or contact available for credit card account closure. This is extremely fraudulent and time-consuming.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent law enforcement report, ID, and utility bill to EquifaxXXXX XXXX XXXX XXXX so that they could block the fraudulent charges appearing on my credit report. I received communication via letters and over the phone that they ignored my dispute because they didn't think I sent it. So I have hand written my dispute and attached the previous dispute. The bureaus failed to respond to investigate the initial dispute within 30 days and are in violation of FDCPA. The items contain fraudulent charges and they were required to remove the items within 4 days.
Product: Debt collection

I discovered a negative mark ( rental history collection in the amount of {$3100.00} ) on my credit score as inaccurate because I satisfied the requests by then XXXX XXXX XXXX. I was asked to provide a 60-day notice ( to be notarized by a state certified individual ) and pay a reletting fee equal to XX/XX/XXXX rent due in order to relocate for work and school. I requested XXXX, leasing agent from XXXX XXXX XXXX XXXX, to confirm the original collections agency the alleged debt was sent to. She confirmed collection was sent to XXXX XXXX XXXX XXXX ( phone number XXXX XXXX ) XX/XX/XXXX. I reached out to XXXX XXXX to verify the information provided to me and a representative confirmed the alleged debt and information related to my file was never received. 

I followed up with NCC Business Services ( the reported agency reflected on my report ) to  verify they received the collection as reflected on my credit report. I spoke with a representative who alleged the debt was received between XX/XX/XXXX and XX/XX/XXXX, no specific date provided. I requested NCC Business Services provide all  documents pertaining to my file ( invoice, breakdown of costs/fees incurred, proof of receipt of reletting fee paid, copy of lease agreement and copy of 60-day notice ) via email by XX/XX/XXXX and never received the requested documents. Because of their unresponsiveness and inability to provide the documents needed to dispute the alleged debt to the major credit bureaus, I am filing a complaint to the CFPB to mediate the removal of this item from my XXXX credit report in order to accurately reflect my true credit history.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX  # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

So I recently leased a vehicle with XXXX XXXX and wanted to possibly see if I had any positivity equity. So I contacted the company XXXX to help me through the process. I got in contact with them through phone call and messages. After a while we kept in contact for a couple days and as we went on, I noticed I received an inquiry from ally financial I immediately got in contact with XXXX and asked if it was from them and ask them why I wasnt notified or how the process works with them. I then immediately backed out form their services and asked them to remove the inquiry and one of their representatives told me, he couldnt do anything about it. I want this inquiry removed, I had no knowledge of nor approved of it. Also to add the fact that I opted out of the service before I proceeded to using them for my lease.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; XXXX  and Transunion are reporting incorrectly that I am ( 30 ) days late on the XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion LLC Credit Reporting Company, TransUnion is listing a paid and closed account from 2013 ; the name of the account is XXXX/XXXX  ; this account requires Deletion from my TransUnion Credit Profile because it is older than seven ( 7 ) years.
Product: Credit reporting or other personal consumer reports

I co-signed a car loan with consumer portfolio services. I listed this car loan on my bankruptcy that was discharged in 2024. The company has not updated this information and every time I dispute it, they report that their info is accurate. 

I sent in my bankruptcy discharge paperwork to them as they request months ago.
Product: Checking or savings account

On XX/XX/XXXX I received a call from Wells Fargo Bank XXXX. to finish up the process of opening a checking account for mine and my wife 's business. We are currently XXXX  due to our last landlord in XXXX, New Mexico being Condemned by the City of XXXX on XX/XX/XXXX due to the landlord neglecting to keep up with city codes and regulations for buildings by maintaining the maintainence on our apartment and there was a hole in the ceiling and floor as well as XXXX all over the place and we won't have another place to live until XX/XX/XXXX so we live in a XXXX XXXX day to day until then. Well we gave the bank our mailing address due to that as our address because it is our only address right now. We told the bank that our mailing address is our only address right now due to the reason we mentioned above in this complaint and they flat out told us " XXXX  shouldn't be allowed to own a business & definitely shouldn't be allowed to have a bank account let alone a business banking account. And it's bank policy if you don't have a home address we can refuse to open an account coz you have to have a home address not a XXXX XXXX period so because your XXXX  we are denying your application for a business bank account and your barred from getting an account from Wells Fargo ever again due to you being XXXX We will be deciding to close out yours and your wife 's personal accounts as well coz your XXXX isn't welcome to bank with us.