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

Trans Union as ofXX/XX/2019 reduce my credit score by 37 points for a auto lease loan Thats my Daughters Auto Lease Loan Not mine Now as Im in the process of moving my realtor tells me the mim score has to be 640 I said yes I'm over that but after checking Trans Union lowered my score 37 points making it impossible for me to move as needed for health reasons Because if a Auto Lease Loan thats my Daughter XXXX XXXX Not mine
Product: Debt collection

This Account Was Paid FULL but Continues in my Credit as GARNISHMENT I Demand that it be Eliminated Immediately this is Harming me Morally
Product: Credit reporting, credit repair services, or other personal consumer reports

I have refinanced my auto loan from XXXX XXXX in the amount of XXXX and it 's still showing on my credit report. I have refinanced the vehicle through XXXX in order to get a lower interest rate in the amount of XXXX and with this taking place it has lowered my credit store drastically of about 100 points because it 's saying I have roughly XXXX in auto loans which is not true because I just refinanced and I was wanting to know how to fix this and get my credit score back to what it was
Product: Credit reporting, credit repair services, or other personal consumer reports

I have looked over my credit report several times and in accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting

XXXX has reported a fraudulent debt, they allege I owe to their collection agency, XXXX XXXX Phone number : XXXX, Account : XXXX. This collection agency, XXXX, has reported this fraudulent debt to the credit bureaus ( XXXX, Equifax , XXXX ). The alleged debt was disputed with all XXXX credit bureaus. XXXX is the only Credit Bureau that responded appropriately, via removing the fraudulent alleged debt away from my credit report. Equifax and XXXX need to do the same especially while the investigation is in place. Via Federal Law, once a debt is disputed with the credit bureaus, if the financial institution does not provide proper documentation to prove the alleged debt is mine, the alleged debt must be removed from my credit report via the credit bureau. The proper documentation in this specific case is a judgment awarding XXXX XXXX the alleged debt. They do not have such a judgment because I do not not owe them anything. XXXX XXXX are affecting my credit and my livelihood. The presumed account with XXXX XXXX and alleged debt has not been verified or validated. I am requesting the assistance of The Federal Trade Commission, to assist Equifax and XXXX credit bureau to remove the fraudulent activity off of my credit report immediately as it is negatively affecting me. 

Please help XXXX XXXX better understand The Law, and the proper venues to pursue fraudulent debt they alleged I owe when, in fact, I do not owe them anything. For some reason, they believe they are special and can harass individuals whom have proceed forward, and do not want to be harassed by them-XXXX. 

I do not owe XXXX XXXX any money. XXXX XXXX owes me, XXXX XXXX XXXX. In reality, the company, received an ill got eviction without ever providing me with a summons or complaint. According to the law, the judgment of possession should have been vacated but they refused to acknowledge The Law. They then burglarized me despite me providing written and verbal notification within the required time frame of I was not abandoning my property. I then sued them, and the property they allegedly was 'disposed of '' was now being negotiated back to me, in an attempt to extort approximately {$2700.00}. They negotiated to return my " disposed '' now confirmed " wrongfully distrained '' ( WHICH IS ILLEGAL ) property back to me, and not to report any eviction or alleged debt to credit bureaus. They continue to lie, and disregard highly esteemed Laws, Codes, Statutes, and Court Rules. Please help them realize they are not special and they too must obey The Laws, Codes, Statutes, and Court Rules. The proper venue for this issue is the Court sytem within their jurisdiction not the credit bureau. Please have the fraudulent account and fraudulent debt they alleged I, XXXX XXXX XXXX, owe removed from credit bureaus. Thank you. 

The attached documentation is inaccurate information sent to me from collection agency, XXXX. The information is inaccurate and reports a fraudulent lease agreement amount I did not agree with, and a ledger displaying fraudulent inaccurate account activity. The lease and ledger do not belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the 2nd time I am filing an Identity theft Police Report. The first time was in XX/XX/XXXX, but I lost the report since it was a little while ago. At the time, I filed the report with an  officer over the phone. Also, the accounts I am listing in this report had not appeared in my credit file at the time of my previous report. These accounts were just recently reported. There are a total of 3 accounts which includes 2 collections accounts and also 1 Inquiry. I have  never authorized anyone to use my name or personal information and I have never received any money, goods or services from any of these companies listed below. They are a result of Identity Theft. 
Account : Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Collections : Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Name : XXXX/XXXX   Inquiry Date : XX/XX/XXXX XXXX
Product: Debt collection

I work for this company. I am filing this complaint on behalf of the customers with Merchants Preferred and XXXX. These companies are violating several laws. Merchants Preferred is taking payments days early without letting the consumer know. And XXXX has customer calling about unlawful acts that their workers are doing to the consumer. I don't know who to contact to try to stop these unfair acts. What needs to be done so that these customers are treated fairly.
Product: Debt collection

Ive contact the company who is reporting this debt on my credit they agreed to remove this this debt isnt mines Im not aware of this I dont owe any money this is hurting my credit and Ive ask for this to be removed Im also looking to get attorney because Ive been fighting this over a year nothing have been done about this this is false I went to that company that says I owe them and everytime I request for my paperwork they say tell whoever needs it to call them they want give me my own information so I had to call corporate on that office Im really fighting and now someone needs to do something this isnt my info this isnt my debt I really want this off my credit by law if nothing is proven it have to be removed from my credit report and they cant prove it nor do they supposed to sale my personal information I can get my lawyer involved and this is reporting inaccurate
Product: Consumer Loan

XXXX. XXXX purchased a XXXX from a XXXX in XXXX XXXX North Carolina. The truck at purchased had the check engine light was on they fixed it there at their mechanic shop said it was a coil pack that was out and they also put XXXX brand new tires on the truck I purchased. I also purchased a student warranty 12 months or XXXX miles warranty on the powertrain motor and transmission coverage. I purchase the warranty through the finance company Westlake Financial Service LLC out of XXXX XXXX California. As of XXXX XXXX 2016 the XXXX XXXX XXXX XXXX that I purchase from XXXX due to the fact of the murder tearing up I went ahead and paid XXXX 's truck payment that was {$550.00} I sent Westlake Financial Service {$600.00} on XXXX XXXX 2016 and then I send them additional XXXX more dollars on XXXX XXXX 2016 I 've also called the warranty company and they denied the claim due to pre-existing conditions the dealership will not own up to selling me a lemon for a vehicle and I 've also spoke with Westlake Financial Service warranty claims department what a gentleman named XXXX I made a deal that if Westlake Financial Service will pay 50 % I will pay the ditional 50 % to have the motor Replaced they denied paying 50 % .. so is playing to Westlake that I will not be paying any more payments on this truck until something is done to the truck they have already came and pick the truck up I have no idea where the truck is located they also sent me a letter stating that they 're going to auction the truck off and I 'm responsible for the remaining balance on the truck right now it is {$17000.00} out on the truck. They are hounding me for money but do not want to own up to fix the truck
Product: Credit card or prepaid card

I finally received a child support payment from the State of Michigan after 9 years and it was deposited onto a Way2Go prepaid card. I was able to use the card for 24 hours then every single transaction for the next 3 days was declined. I have not been able to get anyone to resolve my issue. After 9 years I still am not able to use these funds for my children and apparently no one that works for this company can figure out the issue either. After 3 days of calling the 24/7 number listed on the back, I STILL can not use the card and the issuing bank says the card was white listed and no locks are seen on their end. Idk why the State would use such a shotty financial institution but Im sure its to inconvenience anyone involved in their system. Im not sure why the company can falsely advertise availability but I have numerous calls to the company recorded where they just hang up or the number on the card that has absolutely NO ONE to talk to as far as a human being. The State of Michigan is not answering the phone where the card was issued and I dont think people should have to wait weeks to use their own money. A class action suit is definitely needed to compensate all the consumers with lost time and frustration. This service is an absolute joke.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this complaint against Transunion for reporting inaccurate information on the listed accounts below. I believe the bureau is violating Section 611 of the FCRA for reporting false information which is damaging my credit and causing me XXXX XXXX XXXX XXXX  I need TRANSUNION to provide me with verifiable proof or documentation demonstrating that the information they have is accurate. Failure to comply with the request should result in the correction of the items. 

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

XXXX XXXX XXXX XX/XX/XXXX Re : Identity Theft Notification To Whom It May Concern, This certified letter is to notify you that I believe I have been a victim of identity theft. Please VERIFY the following accounts, THOSE following items do not belong to me and is a result of fraud XXXX  XXXX Credit limit {$300.00} Opened XX/XX/XXXX XXXX XXXX  Last reported XX/XX/XXXX {$2200.00} Opened XX/XX/XXXX XXXX XXXX XXXX  Last reported XX/XX/XXXX {$16000.00} Highest balance {$21000.00} Monthly payment {$650.00} Opened XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX ( 2 yrs, 2 mos ) Amount past due {$0.00} XXXX XXXX XXXX  Account Number XXXX Account Type Individual Date Opened XX/XX/XXXX Status Closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and recognized an unauthorized inquiry reporting
Product: Credit reporting or other personal consumer reports

for the company to do what is fair and equitable to me as a consumer by removing and deleting items identified as identity theft accounts to be removed : Account info Account number XXXX Date opened XX/XX/XXXX Account type Collection Status Collection account. {$1000.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Account number XXXX  Date opened XX/XX/XXXX Account type Collection Status Collection account. {$1600.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Account number XXXX  Date opened XX/XX/XXXX Account type Debt Buyer Status Collection account. {$640.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Account info Account number XXXX  Open/closed Closed Date opened XX/XX/XXXX Account type Credit card Account number XXXX  Open/closed Closed Date opened XX/XX/XXXX Account type Credit card Account number XXXX  Open/closed Closed Date opened XX/XX/XXXX Account type Charge Card Account number XXXX  Open/closed Closed Date opened XX/XX/XXXX Account type Credit card
Product: Credit reporting, credit repair services, or other personal consumer reports

the following accounts that appear on my credit report are not mine and are hurting me Identity Theft US DEPT ED Account Number : XXXX This is not mine. 

8. Identity Theft US DEPT ED Account Number : XXXX This is not mine. 

9. Identity Theft DEPTEDXXXX Account Number : XXXX This is not mine. 

10. Identity Theft DEPTEDXXXX Account Number : XXXX This is not mine. 

11. Identity Theft TD BANK N.A. 
Account Number : XXXX This is not mine. 

12. Identity Theft CHILD SUPPORT ENFORCEM Account Number : XXXX This is not mine. 

13. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.
Product: Prepaid card

Dear Consumer Financial Protection Bureau, I hope this message finds you well. 

I am writing to urgently bring to your attention a serious issue involving fraudulent activity on my Money Network account, which is owned by Fiserv Inc. As a federally insured banking institution overseen by the FDIC , I am reaching out to request a thorough investigation into the actions of Money Network, as they are unlawfully withdrawing funds from their customers ' accounts. 

On XX/XX/2024, I discovered that funds were fraudulently wired out of my Money Network account shortly after a deposit from EDD was loaded onto the card. It appears that someone gained unauthorized access to my account and transferred funds to an unknown destination. Given that I did not authorize this transaction, I strongly believe that Money Network is responsible for this fraudulent activity. 

This incident has caused me significant financial hardship, as I am unable to access the funds that were stolen from my account. Despite submitting a dispute with Money Network, I have been informed that it could take up to 45 business days to resolve the issue. Unfortunately, I can not afford to wait this long, as I am currently unable to pay my bills and meet my financial obligations. 

I believe that Money Network 's actions constitute a serious breach of trust and raise concerns about the safety and security of customer accounts. As a federally insured banking institution, it is imperative that Money Network adhere to the highest standards of integrity and accountability. Therefore, I urge the Consumer Financial Protection Bureau to conduct a thorough investigation into Money Network 's practices and take appropriate action to protect the interests of its customers. 

Thank you for your attention to this urgent matter. I am available to provide any additional information or documentation that may be required for the investigation. 

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

15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the XXXX making the report is NOT included on the consumer reports. Yet XXXX, XXXX & Equifax is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX, XXXX, Equifax and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entities involved.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has supplied ( via Chase.com ) a proprietary XXXX XXXX ( SM ) report about my credit score and other information ( available credit, utilization, etc. ). I have attached a copy of this webpage report to this complaint. See Page 2 of the attached PDF. 

One of these variables is " Depth of Credit. '' This portion of my report should state a number. For example " 10 years. '' However, it says " NaN years '' which is not a number. In fact, it is likely an arithmetic error in computer programming. 

I have called Chase multiple times and they have forwarded my complaints to XXXX. I called XXXX  multiple times at XXXX or XXXX without resolution. I even reached a person named " XXXX '' in XXXX and was told I would receive a swift resolution but I did not.
Product: Credit card or prepaid card

On XX/XX/XXXX I personally went into HomeDepot and applied for credit. I XXXX XXXX was present with my ID and social security card and number. No one tried to verify my identity. I know my credit is good because I just purchased a home on XX/XX/XXXX, which is why I applied for the card. I received a letter in the mail saying that my application was denied do to a Security Alert. This is wrong and it feels like its illegal. Because theyre saying they couldnt verify me or for one strange reason I have inquiries on my personal credit
Product: Credit reporting or other personal consumer reports

This account is reporting with a past due balance. Its also reporting as charged off every single month. The date of last payment is being reported on XX/XX/XXXX. However with XXXX, its reported as XX/XX/XXXX. A well as the date of last activity is reported as XX/XX/XXXX with Transunion its reported XX/XX/XXXX, and XX/XX/XXXX with XXXX. They are updating the BALANCE on my account every month, causing this account to be on my credit longer. This is violating my FCRA rights, as this is not a fair and accurate depiction of my creditworthiness. They are also reporting prior months inaccurately.
Product: Credit reporting, credit repair services, or other personal consumer reports

*****THIS IS NOT A DUPLICATE COMPLAINT- I HAVE ADDED NEW INFORMATION REGARDING AFFIRMS ILLEGAL REPORTING PRACTICES AND FOR FALSELY STATING ONLINE THAT IF THEY REPORT TO CREDIT THAT THE FULL PAYMENT HISTORY WOULD BE REPORTED - AFFIRM CAN'T JUST PICK AND CHOOSE WHO XXXX  XXXX IT WANTS TO REPORT AND WHEN. ********* Affirm is currently reporting ONLY after a late payment was made on an account that wasn't ever late - and they only reported the " late payment '' month and going forward on my credit, in spite of having these loans for quite a long time, which was never reported until I was supposedly late on a payment, which I absolutely was NOT late, period. Additionally, one of the accounts in question was fully refunded back to me and was on two week payment terms, not month to month, yet they reported it as a month to month payment. 

**PLEASE SEE THE ATTACHED SCREENSHOT OF AFFIRM 'S WEBSITE- IT CLEARLY STATES THE FOLLOWING : " Reporting to credit bureaus Affirm currently reports some loans to XXXX and XXXX report to other credit bureaus in the future. Please note that this can include loans with delinquent payments, which XXXX impact your credit. If your loan repayment activity is reported to a credit bureau, the entire loan history will be reported. 

Please refer to the " Credit Reports and Monitoring '' section of your loan agreement for more details. Your loan agreement can be found by selecting Loan terms under the Details section of your loan in the Affirm app. '' LIE # 1 : " If your loan repayment activity is reported to a credit bureau, the entire loan history will be reported. '' LIE # 2 : " Affirm currently reports some loans to XXXX. ''
Product: Mortgage

The Mortgage company has not paid my Property taxes and holds excessive dollars in the impound account. There is 2.5 times the the tax bill in the escrow account. I have call the Mortgage company and uploaded the most recent tax bill to XXXX  as per instructions from the Mortgage servicer. The dollars still sit in the escrow account.
Product: Credit reporting or other personal consumer reports

I am formally request and I alleged that Credit Bureaus have violated the Fair Credit Reporting Act by inaccurately reporting information on my credit report, resulting in significant harm to my financial standing and reputation. I demand an immediate deletion and appropriate remedies as per the law. I demand that they rectify these violations and provide me with an accurate and updated credit report immediately. I have taken immediate steps to address this situation, including filing a police report and notifying the relevant authorities.I request your urgent assistance in investigating and rectifying this fraudulent activity on my credit report, in accordance with the Fair Credit Reporting Act. The following items should be deleted as they are fraud in my credit file : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Bank account or service

My issue is that there are no regulations for how electronic checks should be processed. We used to have a checking account with XXXX and when we would make electronic payments through our bank checking account money would be debited on the date that the payment was being made XXXX if it was electronic XXXX or XXXX days prior ( if a physical check was being mailed ). All that sounds reasonable. When XXXX was purchased by Wells Fargo they changed the terms so that electronic payments were debited several days earlier ( 3 days ) and physical checks were debited XXXX days before they were to have been received. We complained to Wells Fargo as it was outrageous : They were taking money out of my account early and then earning interest on it for a few days before they sent it off. I might be willing to give them a little bit of slack if it was only for physical checks, but it makes no sense for electronic payments to be debited days before Wells Fargo was actually paying the bill. We switched our checking account to XXXX. They do n't do this. At least not right now. This behavior should be regulated.