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

Transunion not being equitable and fair. See attached.
Product: Credit reporting or other personal consumer reports

Under FCRA XXXX, you are obligated to remove any mistaken accounts from my credit report. Could you please review the documents? Some of the accounts listed have incorrect reporting, amounts, and dates.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : 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
Product: Credit reporting

I am filing this complaint because my requests have been ignored by TransUnion. As my requests to be provided with documents that their company has on file that was used to authenticate and verify these accounts has been ignored, these accounts should be deleted immediately, under Section 611 ( 5 ) ( A ) ( i ) of the FCRA - " they are required to promptly delete all information which can not be verified with accuracy ''. I have requested an investigation and re-investigation on XXXX XXXX, 2016, XXXX XXXX, 2016 and again on XXXX XXXX, 2016.
Product: Checking or savings account

I have had a Wells Fargo account for a few years now. In the last year I have noticed what I feel to be an intentional holding of debits or online payments until there was no money in my account to clear my debit charges causing abundant overdraft charges to my account. I have disputed with Wells Fargo and granted, they did partially refund 9 of the charges in the last year but I feel that they held on to some charges until I had no funds to clear. This lead to us not having ANY money in our accounts some weeks after my husband getting paid because his whole check would be gone. I have pulled 12 months and realized that a total of {$3600.00} are in Overdraft fees alone! I have tried to work this out with the bank and all I get is their generic " overseas '' response like they 're reading off a scripts and I feel really ripped off. They should have just changed our account to not be able to overdraft or something ... I am a mother and a grandmother, I have school age children and 1 in college, I can not afford to be treated in this manner..
Product: Debt collection

I disputed and requested a validation of the debt Rash Curtis and Associates claimed I owed. Consumers have the right to request a validation of debt to ensure that the company collecting the debt has not made an error. Sending me notice of the amount I supposedly owe does not prove that I owe the debt ; it merely proves that their company seeks to collect the specified amount. In response to my request, I received a letter from Rash Curtis noting the amount I allegedly owe which was incorrect ( such as the location I received treatment ) and a copy of an outdated patient ledger/statement. In addition, the statement copy sent merely illustrates that I was properly insured at the time services were incurred and their client, XXXX XXXX, was negligent in billing my insurance provider within the required time limit. Therefore, neither Rash Curtis nor their client have properly substantiated their claims that I owe this debt and as such, it has nothing to do with me. 

In addition, I have provided significant evidence disproving Rash Curtis 's claim that I owe this debt and I have made several attempts to resolve this issue with both parties ( see attached ). My insurance provider at the time ( XXXX ) also attempted to contact both companies to resolve the issue and provided documentation showing I am not responsible for this debt as XXXX XXXX was contracted with them at the time of my services. Yet, Rash Curtis still reported inaccurate and invalidated information to my credit report over 5 months ago and despite receiving information from me disproving their claims shortly thereafter, Rash Curtis has not removed the debt from credit report. This action constitutes fraud under both Federal and State Laws and the negative marks found on my credit report are in violation of the Fair Debt Collection Practices Act and is Defamation of Character.
Product: Debt collection

XXXX XXXX XXXX ( XXXX ) failed to honor a reaffirmation on my auto loan following aXX/XX/XXXXbankruptcy filing ( dischargedXX/XX/XXXX). I continued to pay {$310.00} to XXXX via automatic payments from my checking account without interruption. I later found XXXX had closed my account, and had not been reporting my timely payments to the Bureaus ( XXXX ). Between the time of the bankruptcy filing and my finding XXXX had not been counting and/or reporting my payments, I had paid them at total of {$1800.00}. Their report to the Credit Bureau reflects XXXX ofXX/XX/XXXX. I had absolutely NO default at this point, and had continued to make timely payments through XX/XX/XXXX. Following the discovery, I contacted XXXX and voluntarily surrendered the vehicle ; however, they are reporting it as an involuntary repossession. XXXX is now attempting to litigate against me in Civil claims court for the vehicle despite their having closed my account and kept my payments without reporting them.
Product: Bank account or service

On XXXX XXXX, 2015 i had reserved a vehicle from XXXX XXXX XXXX for a wedding. To reserve the vehicle i had to provide a debt card along with D/L information. I authorized XXXX XXXX XXXX to charge me for the amount of {$200.00} that was for the deposit for booking the vehicles. Next day we noticed XXXX additional charges for {$74.00} and the following day another XXXX additional charges for {$220.00} and another XXXX for {$100.00} on the same day and these charges were NOT authorized or notified of. Since it was a weekend we were unable to get in touch with bank of america because they have certain working hours and are closed on weekends, with no customer service on weekends what so ever. The following Monday we called Bank Of America to dispute the charges made to my account. They told me that they will reverse the charges and do a investigation on the matter. On XXXX XXXX, 2015 we received a report from Bank of America with all the backups and stating that there were no errors in those transactions and rejected our request for the dispute. When reviewing the transactions which we know that we did not authorize any of them. We noticed that the documents submitted by XXXX XXXX XXXX that summarizes the job for the day had a forged signature on the document. We tried to get into contact with Bank of America to notify them that the signatures were forged and that we did not authorize the charges and bank of america insisted that the signatures are ok and that the transactions are true. We again explained to Bank of America that the charges are not true and we did not authorize them. After going back and forth with bank of america for about a week being passed to different representatives we reopened the dispute and sent a rebuttal documents. After a few days of waiting for Bank of America to contact me, i called to get a status on the issue. Bank of america again stated that they will be rejecting the dispute and that there is nothing they can do about the issue. I requested to speak with the investigator that was taking care of my dispute to clarify the errors. Until now XXXX/XXXX/2015 i still have not heard back from bank of america regarding my dispute. On XXXX XXXX, 2015 there were XXXX un-authorized charges for {$220.00}, {$100.00}, and {$100.00}. On XXXX XXXX, 2015 there were XXXX more unauthorized charges for {$74.00} and another {$74.00}. The total amount is {$570.00} that was taken from my account by Bank Of America without my authorization and agreement.
Product: Money transfer, virtual currency, or money service

Dates : XX/XX/2022 Amounts : {$110.00} or XXXX Actions : Money on Hold
Product: Checking or savings account

I received email that account was closed but when I logged in on XX/XX/XXXX I saw a balance of {$.00}. I received a email on XX/XX/XXXX indicating account was closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are credit inquiries listed on my report that I did not authorize XXXX XXXX XXXX XXXX Inquired on XX/XX/2021 XXXX XXXX XXXX XXXX XXXX FL, XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2021 XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the reinsertion of a previously removed item on my credit report. This dispute pertains to which was previously resolved and removed from my credit report. 

I received notification that this item was deleted from my credit report. However, I have recently discovered that the item has been reinserted as of XXXXXXXX XXXX 

According to the Fair Credit Reporting Act ( FCRA ), any information that is removed from a credit report must not be reinserted unless the reporting agency has verified the accuracy of the information and has provided me with a notice regarding the reinsertion. I have not received any such notice. 

I hereby request that you conduct a thorough investigation into this matter, as I believe the reinsertion of this item is inaccurate. Please provide me with documentation that verifies the reinserted item and confirms compliance with the FCRA. 

In addition, I request that you remove this item from my credit report immediately if it can not be verified. 

Enclosed are copies of my credit report highlighting the reinserted item, as well as any relevant documentation regarding the prior removal of this debt. 

Please respond to my request within 30 days, as required by law. Thank you for your prompt attention to this matter. 

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

I recently applied for credit and was denied, upon receiving a copy of my report I found the following errors. I contacted each bureau and received no response at all which makes my situation even harder because I need to move forward with things including my credit and if this is not fixed I will continuously be denied! 
XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX, IL XXXX. 

XXXX. The following personal information is incorrect Account Number : Employers : XXXX XXXX XXXX. 15 U.S Code 1605 ( a ) XXXX XXXX XXXX Account Number : XXXX There are finance charges that are the sum of all payments. There should be no late payments on this account, especially between the year of XXXX through XXXX. They also have a repossession for this account that is not accurate at all that needs to be removed I have never lost possession of my vehicle, it is outside my house as I Type. 

XXXX. Under 15 USC 1666B this is a billing error. This always paid as agreed ON TIME. This is an error. 
XXXX XXXX XXXX Account Number : XXXX Remove these inaccurate reported late payments. 

XXXX. Under 15 US Code 1681a ( 3 ) this medical collection is in violation and cant be on my credit. 
XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report.
Product: Credit card or prepaid card

Informed on or about XX/XX/XXXX XXXX credit cards were attempted to be opened in my name using my SSN with Bank of America. Notified BoA XX/XX/XXXX of attempted fraud and requested cancellation of cards/accounts. Filed police report for same. 

Contacted via phone BoA a week later for followup, informed either investigation was not opened or was lost, reopened investigation. 

Informed by BoA XX/XX/XXXX that investigation was refused. 

Know my SSN identity was stolen via XXXX breech several years ago. Have filed fraud reports against same.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, 2020, XXXX XXXX XXXX add a hard inquiries on my credit reports per XXXX  and XXXX. 
On XXXX XXXX, 2020, XXXX XXXX add a hard inquiriy on my credit report per XXXX. 
On XXXX XXXX, 2020, GLOBAL LENDING SERVICES, INC. add a hard inquiries on my credit reports per XXXX  and XXXX. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Debt collection

During COVID-19 I was XXXX for couple of weeks. And my job shut down I'm a XXXX so every hotel 's and every restaurant was down.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have communicated with XXXX, XXXX, and XXXX, many times in recent months via, mail and telephone, to have so errant accounts removed from my credit report. After checking the reports on XX/XX/2022, it came to my notice that the Company, Capital One STILL has an account furnished on my report. 

I am sick of this because it has lead to me being denied housing opportunities. My current lease ends in 12 days and I have nowhere to go because I keep getting denied ( PAID ) rental applications due to low credit score. 

Today along with this complaint, I am hereby providing you formal notice to cease any further communication regarding this account immediately, pursuant to my rights as per 15 USC 1692c ( c ). This includes but is not limited to telephone calls, emails, social media, or any XXXX XXXX XXXX.
Product: Credit card or prepaid card

I opened a Chase XXXX card with an annual fee of {$140.00} that lists 4 upgraded boardings as a benefit. I called Chase and asked how I use this benefit BEFORE I used it. I was told to just put the upgraded boarding on the card and it would be refunded the next month. I purchased my XXXX tickets for {$1200.00} and added early bird check in on XX/XX/2022. I was billed {$50.00} extra for the early bird check in. The next month the charge had not been removed. I called Chase and the first customer service person did not understand why it was not being removed so she transferred me to a supervisor. The supervisor read for a long time and then said there was some distinction between early bird check in and upgraded boarding. He said that I do have the benefit of upgraded boarding but not early bird check in, but even he didn't know the difference until he read in his manual. If I had a cheaper credit card with a lower annual fee, then I would have early bird check in. He agreed that the terms were confusing but said he had no power to reverse the charge or apply the upgraded boarding credits to the early bird check in. He said he would send the request to a person that could refund the {$50.00}. About 10 days later, on XX/XX/2022, I got a letter in the mail saying Chase was doing nothing. I tried to call Chase two more times on XX/XX/2022, was put on hold for over an hour, and ultimately disconnected. The terms for the benefits on this card are confusing. No employee at Chase even understands the difference in the two programs yet they continue to push these cards and take advantage of consumers. They force the customer to pay for the benefit, promise a refund, and then say, no, that wasn't the right program, even though their terms cause the confusion and their own employees don't understand the program or benefits. It is a complete bate and switch.
Product: Checking or savings account

Several times I was charged for overdraft fees even though I corrected the issue of my balance. I also had outsider where they let debit cards transactions go through when I had an affirmative draft then would charge for each transaction {$29.00}.
Product: Checking or savings account

I opened a checking account XX/XX/ 2022 and deposited {$75000.00} for 3 months. I was supposed to receive a {$1000.00} promotional offer but was never received. I called mid-XXXX, they informed me that the terms were met but it could take an additional month. Mid-XXXX came around and have not received the bonus. I call again and now they tell me it could take an additional month. I explained to them that the last representative assured me that I would receive it in XXXX. I feel that the representatives are not adequately trained because I would get different information from them.
Product: Debt collection

The account is no longer active and has a balance of XXXX dollars. i've contacted the company about removing it from my consumer report because its showing negative, which is a defamation of character, and there is no debt validated. JJ Marshal is violation of 15 USC 1692f " Unfair Practices '', 15 USC 1692g " Failure to properly validate debt '', 15 USC 1681b ( a ) ( 2 ), not having a permissible purpose nor did the have written instruction.
Product: Debt collection

Pursuant to 18 USC 8, I owe no-debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681b 2. They also have no permission to report anything using my information pursuant to 15 USC 1681 4.
Product: Vehicle loan or lease

Due to losing my job I was unable to make payments on time, however I always contacted the company to set up a payment arrangement. Last month they took the car and I called and made a payment arrangement of {$250.00} on XX/XX/XXXX and {$430.00} on XX/XX/XXXX. On XX/XX/XXXX I called to make the payment on to find out where I could go to retrieve the car. This is when I was told the car was sold on XX/XX/XXXX, they said they were gon na try to find out why it was sold. On the XXXX they said nothing could be done because they sold it at an auction, that they were sorry because it was a mistake on their side and that we were gon na get the {$250.00} back from the first payment. We've been paying the car since XX/XX/2017, with really high interest. A car that was worth {$14000.00}, was financed for {$31000.00} and was sold for {$11000.00}.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Dispute Regarding Inaccurate Late Payments XXXX XXXX Dear CFPB, I am writing to dispute inaccuracies in the reporting of the XXXX XXXX XXXX XXXX XXXX  ) on my credit report. Upon review, I identified erroneous late payments reported for XX/XX/XXXX ( 30 days late ) on Equifax and XX/XX/XXXX ( 30 days late ) on both XXXXXXXX XXXX XXXX. These reports are incorrect, as my payments for these periods were made on time. 
It is essential under the Fair Credit Reporting Act ( FCRA ) that consumer data be accurate and verifiable. These inaccuracies are unjustified and have negatively impacted my credit report and financial reputation. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax ) XXXX XXXX XXXX XXXX XXXX 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 Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Equifax XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Attached, I have provided evidence demonstrating timely payments during the months in question, including bank statements and payment receipts. These documents clearly show that my payments were made as agreed and on time. 
Request for Action : Immediate Correction : Update the account 's payment history to reflect a status of " Paid As Agreed Never Late '' for the disputed months. 
Investigation Procedures : Provide a detailed description of the process followed to verify the late payment claims, as required by FCRA 15 USC 1681i ( a ) ( 7 ). 
Proof of Late Payments : Submit documented evidence supporting the reported late payments, including specific dates, amounts, and communication indicating delinquency. 
If no verifiable proof can be provided, I expect these inaccurate late payments to be promptly removed from my credit report. 
Reference to PAANL ( Paid As Agreed Never Late ) : The terms of my agreement with XXXX have been strictly adhered to, and this account has always been paid on time. Per 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), my credit report should not reflect information that inaccurately describes my transactions or experiences with this account. 
Supporting Documentation : Highlighted copy of my credit report showing the discrepancies I trust you will handle this dispute with urgency and professionalism. I expect a written response to this dispute within the timeframe outlined by the FCRA ( 30 days from the receipt of this letter ). Failure to provide a timely and accurate resolution will be considered a violation of my consumer rights. 
Thank you for your prompt attention to this matter. If additional information is required, please do not hesitate to contact me. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I made this voluntary delivery of this car for reasons that I became ill with XXXX, and I was in the battle against this XXXX, after the delivery I reached an agreement with Credit Acceptance to pay XXXX and they would close this case, which I complied with and here I attach the evidence of the letter and my canceled check, apart from via telephone they agreed with me that when that payment was collected they would remove this from my credit which they did NOT do, nor did they send me a letter with the information of when they XXXX  the car and how much they sold it, much less The more they took out the XXXX that information I never obtained and I understand that it is illegal that they had not done it, I only ask that that collection that is already closed be deleted from my credit history.
Product: Student loan

I am not sure if anyone can help me with my student loan situation, but I have been battling everyone for the last 3 years and I am getting nowhere ; I need guidance. I am a government employee & almost everyone in my ofc had their loans forgiven through the XXXX program. I have made over 20 years of payments, so I know that I would qualify for the loan forgiveness program. 

During XXXX, I paid off my student loans on XX/XX/year> in the amt of {$29000.00}. I am a single mom & I did not know what the pandemic & mounting bills would be ; I wanted to pay down my bills as much as possible. I work for the Department XXXX XXXX and some of my co-workers were able to get back the loans they paid off during the pandemic, however, I have been getting the run around for the past 3 years. 

I used NelNet & my loans were Direct Loans. I spoke with NelNet & they stated that my loans were commercial b/c they were sold at some point from XXXX & did not qualify ; however, I was told that Dept of XXXX XXXX XXXX the loan back to the Direct Loan that it previously was. The longer I get the run around, the shorter my time frame becomes. I have sent msgs to XXXX XXXX XXXX, XXXX XXXX and XXXX. All have said they are " looking into the matter '' but later I get emails that the matter was " closed ''. Is there anything that I can do to get the money I paid during COVID back?
Product: Consumer Loan

I purchased a 2007 XXXX XXXX nearly 4 years ago for {$10000.00} with $ XXXX down. My payments are {$340.00} per month. I just called to see what my payoff was and they told me it was nearly {$14000.00} This seems like unfair lending practice. How can I have paid on a used car this long an owe more than I purchased the car for. What are my options in getting out of this without messing up my credit? Thank you!