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

Hello, On XX/XX/2023 Transunion reported that my account with XXXX was 30 days late and as a result it has tanked my credit score considerably and some other creditors are now lowering or closing my other credit account. This is also messing with my utilization. 

I have disputed this information with Transunion ( which has now spread to the other bureaus XXXX and XXXX ) 6 different times and even confirmed with XXXX and provided documents to Transunion from XXXX and letters that both My husband ( who is a joint owner on the XXXX account ) and I have written and submitted. 

Even after XXXX has confirmed and stated they have no late payments in their system and not sure why Transunion has reported this it is still incorrect and my credit score has not been updated to reflect this correction which is effecting my ability to make any large purchase at this time. 

It seems Transunion is the credit bureau that is mostly inaccurate and doesn't correct errors promptly. 

Below are all of the disputes I have submitted with Transunion and adding another one today : Date Submitted Date Completed XX/XX/2023 XX/XX/2023 XX/XX/2023 XX/XX/2023 XX/XX/2023 XX/XX/2023 XX/XX/2023 XX/XX/2023 XX/XX/2023 XX/XX/2023 XX/XX/2023 XX/XX/2023
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I noticed a collections from " Capio Partners '' in the amount of {$1000.00} that was apparently opened on XXXX. I have no knowledge of this, I do not know who this is, and I should not have any accounts in collections. I am suspecting this is an error or a fraud and I would like this removed from my credit report.
Product: Credit reporting or other personal consumer reports

Over a year ago I was granted a Home Depot Store credit card with a {$2000.00} credit limit. I did not exceed my limit and made all payments on time. Without warning at some point my credit limit was reduced to {$600.00} and then {$500.00}. However, Home Depot never corrected what was considered to be a high balance when the credit limit was {$2000.00}. 
As a result my credit reports show a {$500.00} credit limit with a high credit balance of over {$900.00}. This is not fair because it can be easily be construed that I exceeded my {$500.00} credit limit by {$400.00} dollars and that never happened. There is no history showing that my credit limit was more than {$500.00} at the time I had the $ XXXX due.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian continues to allow these company to put collection in my report They have been removed previously and now they are back the companies are XXXX XXXX XXXX XXXX I do not owe them any money nor have a balance with them please remove from my report once again. 
'Fair collections this account also was removed from my report and now it is back in my report please remove I do not owe them a balance and Experien has not related to me the out come they did remove this account and now it is back I want XXXX in dispute XXXX and XXXX XXXX  should be removed there balance is wrong and the time limit it up for them to be in my report. 

thank you XXXX XXXX
Product: Debt collection

I have no contract or have ever done any business with, FAIR COLLECTIONS & OUTSOURCING ( FCO ) XXXX XXXX XXXX XXXX 
They ( FCO ) have illegally been reporting this debt on my report as charged off every month from XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX 
I Believe I may be a victim of this Company 's illegal practices detailed the CFPB 's recent XXXX lawsuit against Fair Collections & Outsourcing ( FCO ).
Product: Debt collection

I told the creditor that I would get them money when I had money, and they have called up to XXXX times a day while I was trying to sleep. ( I work XXXX shift ) I am trying to figure out a way to take care of the debt, but I am not going to be treated like garbage.
Product: Credit reporting or other personal consumer reports

Here is the list of fraudulent inquiries : XXXXXX/XX/XXXX XX/XX/year>2024 XX/XX/XXXX XX/XX/year>2024 XX/XX/XXXX - XX/XX/year>2024 XXXXXX/XX/XXXX - XX/XX/year>2024 XX/XX/XXXX XXXX/XXXX/2024
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 I applied by phone for a Discover card, I was approved but the credit limit approved unacceptable, compared to my other credit cards. I was on the phone with the rep for discover and told them ( Please I do not wish to take this card ) DO NOT OPEN THIS ACCOUNT Please. I called back at least 20 times and spoke with numerous supervisors including opening a case regarding this credit card. All these notations are on my account. I spent hours and hours trying to fix this. Discover told me do not worry this will not be reported to the credit bureaus. 
Yesterday XX/XX/2023, I received an email from XXXX stating my credit score had dropped from XXXX to XXXX in one day. I logged on and saw the reason for this was Discover reported to the bureau as a closed account. Discover had ruined my credit which is perfect, in ONE DAY! 
I have never had any lates, derogatory credit, all low balances, on all cards, No Public records, all credit scores above XXXX. 
This is totally unfair as I work so hard to make sure my credit is always perfect. Under the FCRA- and the CFPB they need to correct this information as It has hurt my credit substantially. This is Defamation of credit. False information has been reported and is a violation of the FCRA. 
NOTE : I am in the middle of purchasing a home and now because of Discover Card has completely ruined my chances of being able to purchase this. I know you help consumers greatly and would appreciate your help enormously. I need Discover to REMOVE this account from my credit bureas ( Delete this account ) I Never approved this card, received this card, or activated this card. I told them DO NOT open this account. A consumer has the right not to take a credit card. Please Help, thank you, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently looked at my credit report and found that the credit bureau consistently reports accounts with inaccurate information. The Fair Credit Reporting Act has clearly been violated in this case. I've already spoken with them about this matter, but I haven't heard back from them to this point. Please correct this immediately. 
XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX Bankruptcy XXXXXXXX XXXX XXXX Bankruptcy XXXX
Product: Checking or savings account

Dear CFPB I check my account twice a day, in the morning and evening. On Monday XX/XX/XXXX I did have my daughter 's recital and picked up her dress and admittenlty failed to check my account. The {$75.00} overdrew my account less than {$20.00} I immediately deposited XXXX to take the account out of negative but expected a {$35.00} charge. Instead the bank charged me {$70.00}, and then another {$35.00} for a total fee of {$100.00}. They allege my account was negative by a XXXX then there were other fees. That mornng my account was not negative nor was it negative the weekend before. The bank is manipulating transactions so they result in the maximum fee to the customers.
Product: Debt collection

My checking account with XXXX XXXX XXXX was frozen on XX/XX/2022. When I spoke to representative for XXXX XXXX XXXXXXXX I was given very little information as to why my account was frozen. After being transferred several times I was finally advised to contact Blitt and Gaines P.C. when I spoke to the debt collector they informed me that I had a debt of {$4500.00} for a credit card that I did not approve.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix the negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

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

This is the first time I have encountered identity theft. I have no idea who could have done this to me. As I pulled my report, I saw an outrageous amount of accounts under my name that are not mine. Please delete these items from my report. XXXX XXXX  XXXX {$630.00} XXXX/XXXX   XXXX {$310.00} XXXX  XXXX {$8900.00} XXXX/XXXX  XXXX {$670.00}
Product: Credit reporting or other personal consumer reports

Between XX/XX/year> and XX/XX/year>, your FRD MOTOR CR automotive account status changed from " Current '' to " 30 Days Late ''. 

But on my payment history there was a payment recorded for XX/XX/year> and processed on XX/XX/year>. 

This information is incorrect and has negatively effected my credit report and I have disputed this issue several times at this moment with no momentum towards a solution.
Product: Credit reporting or other personal consumer reports

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance Owed : {$840.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Please take into consideration this complaint I am writing to inform you that your information is inaccurate. I do not recall having bankruptcies on the dates you are reporting and there are blank fields making your information incomplete as well. Additionally, this is an attorney error. I had a consultation with a bankruptcy attorney but declined to move forward. The attorney filed without my authorization or expressed permission. I was told this was resolved and then found a bankruptcy on my credit report! I never filed. I never went through bankruptcy. Please remove them immediately. 


XXXX XXXX XXXX Filing Date XX/XX/2016 Docket XXXX
Product: Credit reporting or other personal consumer reports

I noticed unfamiliar inquiries showing on my credit report Navy FCU XX/XX/year> Navy FCU XX/XX/year> Navy FCU XX/XX/year> Navy FCU XX/XX/year> XXXX XXXX XXXXXX/XX/year>
Product: Bank account or service

Found a Hard Inquiry Entry on my consumer credit report for a Discover Personal Loan dates XXXX XXXX 2016. I have not record of requesting either written or verbal for Discover Personal Loan.
Product: Credit reporting

I have had a issue with my account from XXXX XXXX XXXX being removed from my credit file since XX/XX/XXXX. Recently on XX/XX/XXXX XXXX XXXX XXXX submitted a XXXX performance through the XXXX department at Transunion to rectify the situation. I checked my credit report and also spoke with customer service rep and supervisor who were clueless about this information and stated they could not give me any further any further information. I simply would like my account to reflect on my credit report because this is drastically affecting my credit.
Product: Credit card or prepaid card

I paid my credit card on XX/XX/2019 the payment due on XX/XX/2019 I paid this card off in full than I get a notice on XX/XX/2019 that I owe XXXX interest I called on XX/XX/2019 to get this fixed they refused to fix this matter, I paid them all that was owed on this account on XX/XX/2019. This is Capital one bank
Product: Credit reporting, credit repair services, or other personal consumer reports

This credit reporting agency failed to provide proof of their investigation of all inaccurately listed bankruptcy filing. I have not received any bankruptcies petitions showing my signature. 

enclosed is a letter from my court clerk showing that I do not have any bankruptcies filing in their record. 

The FCRA evinces Congress 's intent that consumer reporting agencies, having the opportunity to reap profits through the collection and dissemination of credit information, bear grave responsibilities, 15 U.S.C. 1681 ( a ) ( 4 ), to ensure the accuracy of that information. The grave responsibilit [ y ] imposed by 1681i ( a ) must consist of something more than merely parroting information received from other sources. Therefore, a reinvestigation that merely shifts the burden back to the consumer and the credit grantor can not fulfill the obligations contemplated by the statute.
Product: Credit reporting, credit repair services, or other personal consumer reports

I needed to unlock a credit freeze with all three credit providers for a credit report in support of a mortgage refinance with a limited time rate lock. No problem with XXXX  or XXXX who provided a confirmation number. Impossible with Experian. 

I froze my credit info with Experian after they were hacked in 2017. I still have the letter sent to me with my PIN from XXXX. 

First I tried calling Experian like I did with the othes. After providing sensitive information to an automated system, I was told to press 2 to get to fraud alert/freeze unlock. Every time ( 5-7 attempts ), I got a hangup. Finally, by repeatedly pressing " 0 '' and yelling " customer service '' over and over, I got a person, XXXX. XXXX tells me my PIN somehow is " wrong '' although I read it directly from the letter several times. I then have to go through a series of questions again ( one of these companies actually required me to answer what astrological sign I am ). I am informed that Experian will only confirm by sending a first class letter in about 10 business days. I am in rural NH where mail is slow anyhow and not virtually unreliable due to current events. I ask for any ID eg, employee ID, report ID, phone call ID, anything to show I made the request since I had trouble with them before. My rate lock may expire before I get anything in the mail. I request a supervisor XXXX XXXX XXXX. To everything I say or ask, he repeats like a recording - you have to wait for a letter. I ask for another supervisor ( XXXX XXXX. I am now on the phone for 1-2 hours. As soon as XXXX comes on the line and I ask his name, he hangs up on me. 

I try online. The correct information is rejected repeatedly. I try to request a PIN. Same thing. I try to request a one time unlock for one creditor ( mortgage company ). I then go back to calling. I am locked out. 

Guess I have to sue them since I can't seem to get the freeze off in time for my rate lock.
Product: Mortgage

I have escort account with the company to pay my property tax. The company didnt pay my XXXX XXXX property tax. I called them early XX/XX/XXXX to fix the problem. After this call, I called them three more times in XX/XX/XXXX and try to prevent them missing my XXXX XXXX property tax. Again, they still dont pay my property tax and we already owed property tax for two quarter. Until today, they still cant resolve the problem and they continue collecting my money for escort. If we dont resolve the problem now, I am afraid town might do legal action to my property.
Product: Checking or savings account

This complaint is related to a previously filed complaint against U  SAA. They have reported to the CFPB that they have worked with me to resolve the issue, yet they have not acted in good faith to resolve my issue.
I am looking for copies of all my bank statements to have for my records. USAA bank has terminated my online account access so I am   unable to view those records. When I reach out to the bank, they inform me that since I can not access them online, they will need to charge me {$10.00} per statement copy for them to provide the copies I need. Since I have been a customer since  XXXX  and during that time I 've had multiple accounts, the cost to do this would be astronomical. My calculations are that for them to get me all the records I need, it will cost well over {$7500.00} in fee 's. Yet, they are n't budging. I gave them  XXXX  options.      1 ) To provide me temporary account access so I can log in and download all the statements that I need, or 2 ) Mail me a thumb drive or CD with all the account information I am asking for, or 3 ) Mail me paper copies of all statements that are on my profile.      These are my financial records and I am entitled to them. They provide these records free of charge to their other customers by online delivery. I would happily download these records if they would allow me to.     This problem is now causing  XXXX  other issues that have the potential to cost me a lot of money. I am in the middle of a   XXXX   tax year audit an d USAA ha s records pertinent to proving deductions with the IRS. Second, I am in a dispute with the child support registry in Washington state. There are  XXXX  payments over the course of the past 14 years that have not been correctly applied to the account. I need these records to reconcile my records with theirs. To prove my point, on   XXXX   XXXX   XXXX    USAA  shows a payment in the amount of {$100.00} coming from my account, yet only  XXXX  was credited on the support registry side. These records will assist me in resolving the Washington state matter which is now damaging my credit.     I spoke with  USAA  in late  XXXX  and early   XXXX   and I was assured they would assist me with getting me copies of the bank statements. Instead, they sent over  XXXX  pages of statements for only  XXXX  account - and that only went back to  XXXX   XXXX  - a full 7 years less than what I was promised on the phone.
Product: Credit reporting or other personal consumer reports

The following accounts are fraudulent please remove from credit report. 
XXXX ) XXXX XXXX ( Account # XXXX ) XXXX ) XXXX XXXX XXXX ( Account # XXXX )
Product: Vehicle loan or lease

Ally Subject : Explanation of Inability to Open an Account due to Confinement Dear Ally, I hope this letter finds you well. I am writing to address a recent matter concerning an account application that appears to have been initiated under my name. I would like to clarify that I did not open an account with [ Bank 's Name ] during the specified time frame due to extenuating circumstances that rendered me unable to do so. 

The application in question seems to have been submitted on XX/XX/2016. I must emphasize that during the period surrounding that date, I was in confinement and faced significant limitations in my ability to engage in any activities outside of my immediate living space. 

The nature of my confinement was such that I did not have access to the necessary resources, including internet access and physical documentation, required to open a new account. Moreover, my location was not conducive to such activities, making it logistically impossible for me to initiate any account-related procedures. 

I understand the importance of accurate record-keeping and the need for thorough investigations in matters like these. I kindly request that you conduct a comprehensive review of the application details and consider the circumstances I have outlined. It is my hope that this clarification will allow you to confirm my assertion that I did not open the account mentioned in your records. 

If there are any additional steps or documentation required from my end to support this claim, please do not hesitate to inform me. I am more than willing to cooperate fully to resolve this matter promptly. 

I appreciate your understanding and cooperation in this regard. It is my earnest hope that we can swiftly resolve any discrepancies and rectify the situation.

Thank you for your attention to this matter. I look forward to your response. 

Sincerely, XXXX XXXX
Product: Mortgage

Bank of America 's website did not give me an option to pay my note on the XXXX and XXXX of this month. I have been paying on this bill for around 10 years. I 've never been late.I 've almost always paid my mortgage on the XXXX or XXXX of each month, as this is when I get paid. I make sure not to go over 30 days, however, the month of XXXX had 31 days in it. I went to pay my bill on the XXXX of XXXX, which fell on a Friday and was met with the drop down button not allowing it. I tried on XXXX XXXX, which fell on a Saturday, to make the payment again and was with an error stating that Saturday was not a business day. This forced me to schedule the payment on XXXX XXXX, that Monday. This is online payments and it should n't of mattered if it was a business day or not, as long as the payment was made. I have now been informed that Bank Of America has decided to report on my credit report a late, which will damage me! This is not fair and my records will show that I have paid my bill on the same date of each month. How am I to be penalized because Bank Of America did n't allow me to make an online payment on XXXX of those days, yet the record shows that I scheduled on XXXX XXXX for the XXXX of the month ( the only option )? There was also nobody to speak with over the phone as that department was closed.
Product: Student loan

I recently setup auto payments monthly with Nelnet for {$1200.00}. That first payment went through successfully on XX/XX/year>. Today on XX/XX/year>, I noticed XXXX payment of {$870.00} deducted from my bank account. I called Nelnet who told me they do not see the payment in their system. Informed me to submit proof to them of this. I did via document upload on Nelnet. I called back to ensure it was received. They told me they do not get to review this document for up to 7 days and then if it satisfies their requirement as proof they will initiate a refund that will take up to 90 days to process. They hinted that I am lying regarding this and do not understand the urgency of taking a large unauthorized amount of money from someone's account and holding it for up to 90 days.