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

XXXX ; Experian and XXXX are reporting incorrectly that I am ( 30 ) days late on the XXXX XXXX  XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I had stopped using this XXXX XXXX  XXXX account completely. The only reason I have kept it is because it is one of my older accounts. I thought I had removed the autopay for the car insurance which is usually paid bi-annually from this card. I never received any correspondence that this account was in jeopardy. I was however, receiving numerous SPAM calls from representatives claiming to be from XXXX  XXXX XXXX. There was a clear language barrier from the people making these calls so I am not sure from where the calls were coming from. I didnt think there was any reason for concern so I didnt follow up with XXXX XXXX XXXX to inquire as to whether my credit card account was in jeopardy. I did not know there was a late reporting on this card until I obtained a recent copy of my credit report. I tried contacting XXXX XXXX  XXXX to explain the circumstances of the situation but I was never able to reach a supervisor to assist me. At the time this card was opened my credit limit was {$15000.00} and was then reduced to {$500.00}. I thought this was suspicious as well. I have tried numerous times and have asked XXXX XXXX XXXX to remove this late since clearly it is reporting in error however, I have not been successful. This false reporting of a late 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 but have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

The account from XXXX that is being reported by TransUnion was previously challenged with the CFPB due to the UCC Article 9 violation law. The account was also disputed with XXXX and XXXX credit bureaus. As the attached documentation shows, XXXX recently deleted the account from XXXX. TransUnion was subsequently contacted and asked to also delete the account from all affected credit reports to comply with the FCRA. The request was not granted ; therefore, I hereby challenge TransUnion 's decision and request the CFPB to enforce the FCRA laws and require TransUnion to delete the account from XXXX immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've made several attempts to gain access to my TransUnion credit report to find out why I can not log into my account on the website... They blatently say that the owner of the website has " restricted '' my access! For some reason they're hijacking my account where I can not see what is on my credit report... I have multiple times try to access my credit report online, and it refuses to gain access for me to look at my credit report and to find out if there's any erroneous information that needs to be removed. I just called and they just hang up right after answering the phones... they are not allowing me, access my account for me to review. The fraud alert information they have on my account is incorrect they have my phone number incorrect, therefore I am making attempts to correct their typos. I don't know what else I need to verify so I can go and make the necessary corrections. These credit reporting companies are privately owned companies that report harmful and erroneous information on a regular basis! They need to be removed from the United States of America immediately! As a mortgage banker for over 40 years we never used any credit monitoring system before the XXXX 's!!! People in America bought millions of homes, cars and consumer goods without their bogus services! Eliminate their harmful and discriminatory credit reporting practices! Please BAN their services from doing business in the United States of America!
Product: Credit reporting, credit repair services, or other personal consumer reports

After 2 investigations by the credit bureau 's, the information on my credit report is still incorrect. On the XXXX XXXX XXXX, acct # : XXXX, the close dates are incorrect. Because of this, the account listed above must be deleted. I have enclose supporting documentation.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I commenced a reinvestigation through XXXX. The account came back updated within a relatively short period of time. The same day of XX/XX/year> in fact.
Product: Checking or savings account

An item that I did not purchase for {$170.00}, on XX/XX/XXXX, was charged back to my account on XX/XX/XXXX. I told ( emailed ) XXXX XXXX and Citizensbank several times that I wanted to cancel this purchase on XX/XX/XXXX through XX/XX/XXXX, before the transaction posted to the account. Criminals hacking my phone number, of XXXX, and pretending to work at Citizensbank, refused to cancel the transaction. They told me that I had to let it post to the checking account. That comment did not make sense. There are several convicts copying my phone number, so, they wanted XXXX XXXX to deliver the package and ruin my checking account. I am so frustrated with people copying my phone number and talking to me over the phone. I have contacted and called the local police and the attorney general several instances about this matter. I can not make important calls to banks or creditors.Many of my relatives were XXXX  this year and I rarely got to talk to them because criminals were intercepting the calls. 

XXXX XXXX delivered the package, anyway, causing, my account balance to suffer. After Citizensbank completed the, banking, transaction, I told Lasership delivery service to " please not deliver the package,. " I was dealing with a financial hardship. A criminal pretending to be a representative from XXXX told me that he was not going to deliver the package. 
They delivered the package anyway. Several criminals were lurking near my home, during this time, as my father was sick. The criminals must-have evaded my home, because several items were stolen during XXXX through XXXX. I was saddened and distraught. They took advantage of my father ' s home while he was ill. Recently, on XX/XX/XXXX, the purchase of {$170.00} was returned by Citizensbank. I keep trying to call XXXX XXXX and Citizensbank, however, their are stalkers and criminals at XXXX, XXXX and some other XXXX  speaking countries, intercepting the calls. They are intercepting the calls, so, that I am unable to speak with an, authentic, representative, from Citizensbank, to resolve the issue. I am not certain what is happening with my banking accounts, but, I believe that someone at XXXX, XXXX or XXXX is responsible for these crazy transactions that I am having now. Why they are harassing me? Why are they trying to ruin my life? Why are they stalking me? They might me be XXXX or have a XXXX too.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit reporting act XXXX account # XXXX XXXX XXXX XXXX XXXX  # XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  has violated my rights.

15 u.s.c 1681 section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Vehicle loan or lease

On XX/XX/2019. With little planning no experience in buying/owning a car. I went to a dealership, not knowing that day I would make the biggest mistake of my life so far. I was helped by a XXXX sales representative, but with no talks or reassurance about anything. I basically only remember signing papers, I had nothing explained to me. I understand was the one who signed the paper but still. Nothing was explained, no advice was given to me, nobody explained my credit score. The detail of the car I was buying. I thought it was a nice car but not for the price they gave me. I bought a brand new XXXX XXXX XXXX for XXXX. There's 3 prices on the papers they gave me. Price of the car was XXXX and the amount financed was roughly XXXX. But with the interest for 72 months it skyrockted all the way to XXXX by the end of the term. I don't know if there's anything I can do to get out of it. But I feel like I was set up, with NO guidance from my sales rep.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a personal loan from Patriot finance. They are incorrectly reporting that my loan is a derogatory status and showing as many days late. We have a payment agreement and I am paying as agreed and my account does not reflect this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I never had a collection account with this collector XXXX XXXX. Please delete this account from my credit report and send me an updated copy showing the results. You are also reporting incorrect information. The account was purchased On XX/XX/2021, from XXXX XXXX, XXXX. This was mailed to me on XX/XX/2021. You are reporting that it was opened on XX/XX/2021 which is inaccurate. I am demanding that this account is removed from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is fraudulent information on my credit report that I have been disputing for some time now with each credit bureau and have gotten nowhere. I have sent them each a copy of my FTC report detailing the fraud and they are refusing to remove the inaccurate information from my credit report. It is illegal for a consumer reporting agency to report inaccurate information on a credit report and I am demanding that they remove this fraudulent information. I have attached my FTC report below.
Product: Checking or savings account

On XX/XX/XXXXXXXX  my debt card was stolen from my home while i was XXXX  my family filed a dispute for the charges which were at least {$27000.00}. The bank reimbursed me {$8000.00} in XXXX or XXXX of XXXX  and later credited me {$12000.00}. The difference was not credited to my account.
Product: Credit reporting or other personal consumer reports

SECOND COMPLAINT******I was the victim of identity theft by a former roommate, XXXX XXXX XXXX XXXX The account with BANK OF AMERICA VISA XXXX was opened fraudulently without my permission or knowledge. XXXX used my identity and had the initial card mailed to my home, which he retrieved without my knowledge, used the account, and made payment for a time without my consent or knowledge. I have completed ( attached ) an XXXX XXXX XXXX with the FTC. I have also included copies of my government-issued ID and a recent utility bill for address and identity authentication. 

Bank of America is now reporting that the account is " PAID IN FULL '' TThis is not accurate because I have NEVER paid anything to this tradeline, I HAVE NOT PAID THE ACCOUNT IN FULL. This inaccurate information.
Product: Student loan

On XX/XX/XXXX, I made a {$16000.00} payment to loan ending in # XXXX. The new balance dropped from {$25000.00} to {$9100.00}. My monthly payment was to change from {$160.00} to {$61.00}. The monthly payment has not changed as of XX/XX/2019. I called Navient in XXXX, XXXX and XXXX to ask why the new payment based on the reduced principal amount is not reflected in my account. Every time I have called, the Navient representative misinformed me that the reduced payment would take effect the following month. However, that has not happened, now three months later. I have overpaid {$210.00} towards this loan between XXXX and XX/XX/2019. I would like Navient to reimburse me {$210.00} immediately.
Product: Money transfer, virtual currency, or money service

I used my credit card to send payment through Venmo on XX/XX/XXXX in the amount of {$3600.00}. That payment was returned to my Venmo balance, minus the {$100.00} fee Venmo charged. I then transferred the balance from my Venmo account to my verified bank account but Venmo is not releasing the funds. 

I have used the same Venmo account since XX/XX/XXXX. I have also kept the same email address associated with that account since then. I have also verified my identity, verified my bank account, and sent photo identification when requested by Venmo.
Product: Debt collection

A bill for {$40.00} from XXXX XXXX XXXX XXXX for a clinic visit to refill medications, Service date XX/XX/XXXX ( along with a second XXXX XX/XX/XXXX that has been billed, but not been included in the dispute for some reason by the medical group for another clinic visit for the same amount, same reason and a third one, also not included, for {$480.00} where I was double billed for an office visit ) has been in dispute from the time I received it and the medical billing office has known that. They sent this first {$40.00} charge to collections even though I now have a XXXX XXXX XXXX about it on the XXXX of this month. The collections company is unreachable by phone due to a phone system that is so bad you can't reach anyone. I made several attempts last Friday XX/XX/XXXX when I received the letter. Phone number XXXX XXXX XXXX North American Credit Services XXXX XXXX ) XXXX XXXX XXXX, XXXXXXXX XXXX XXXX. I have constructed a letter that I will be sending tomorrow via a tracking number stating that the bill is in dispute. They need to be reachable by phone.
Product: Debt collection

Phone rings, they leave NO message. I have caller ID so I know the company that is calling me. It is portfolio recovery. Their phone number is XXXX XXXX. I have not talk to anyone as I do not know who this company is. I have no idea why they 're calling.
Product: Vehicle loan or lease

On XX/XX/XXXX I went to XXXX XXXX in XXXX, PA to evaluate my XXXX XXXX XXXX that I am currently leasing it in order to determinate the equity on the car. Due to the maturation of this lease, I was getting ready to replace my ending lease with a new lease ; I choose a XXXX XXXX XXXX XXXX. They did all the paper words, I signed my application and their process begin. I check my credit report and I saw two Hyundai Finance inquiries, on my previous two lease I notice that they uses to do two inquiries, so, didn't surprise me. That day, they couldn't finalize all the paper word with their bank, so, they asked me to come back next day to finish with that and exchange my XXXX XXXX for the XXXX XXXX. On XX/XX/XXXX morning time, I returned a phone call from the dealership ; they stated that I have an outstanding balance with Hyundai from previous lease. I explained to they that I paid the Hyundai Finance already on XX/XX/XXXX. Then they started to question me about a loan that the saw on my credit score. Long store short. They said that they will call Hyundai Finance regarding the outstanding balance. When I hanged out, I did called Hyundai Finance directly. I told them what XXXX XXXX in XXXX told me about my old lease outstanding balance and they said that I was in good standing with previous and actual lease that they don't know where they got that information with an outstanding balance because that not what they see on their end. I asked for a copy of my pay off letter which was sent it to me right away. Once I get out off work, I passed by the dealership, I showed them my payoff letter and let them know I wasn't interesting in the XXXX anymore. They weren't happy about that, specially when I remind them that they are more dealership out there. Next day, XX/XX/XXXX. I received ten new notification from my credit wise about XXXX new inquiries. I thought, It must be a mistake, I called each of those inquiry company which each stated that they received credit application on my behalf from Hyundai auto but it was after I decided to don't go forward with the lease renewal. My understanding, they just want to show their power of making sure I won be able to get a car with another leadership for a while just because this minority old lady refused to take their car after they admitted that they were wrong about an outstanding balance and that annoy them.
Product: Credit reporting or other personal consumer reports

I am unsure I why I am having this consistent problem with XXXX, Transunion, and XXXX XXXX. In XX/XX/2023 I filed a complaint with XXXX reference # XXXX. After a thorough investigation, XXXX deleted XXXX XXXX from my credit report due to lack of verifiable proof, agreement with XXXX XXXX with my signature, and other reasons. I can't understand why XXXX and TransUnion are failing to do a proper and thorough investigation to come to the same conclusion to delete this from my credit report. XXXX, TransUnion, and XXXX XXXX are violating my consumer rights by federal and state law to include but not to FCRA ( 15 U.S.C. 1681s-2 ), FCRA ( 15 U.S.C. 1692g ), and Maryland State Law ( Maryland Consumer Debt Collection Act - Md. Code Ann., Com. Law 14-202 ). The company fails to provide verifiable proof of a signature contract/agreement with me, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX I have attached a letter that explains this in further detail to include a letter for CFPB, XXXX XXXX and a statement from TransUnion.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data on my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Due to the recent Equifax hack, which left over XXXX XXXX people 's personal data exposed and at risk, I have had to freeze my credit report with all three major credit reporting companies. The process of freezing credit reports cost me {$7.00} per company, or {$22.00}. I find it offensive and immoral that I need to pay the company that left my personal information unsecured in order to prevent identity theft, possibly for the rest of my life. Each time I intend to apply for a line of credit I will need to incur costs for each unfreezing and subsequent refreezing of my reports as well. The lifetime cost of this hack may result in loss of hundreds of dollars per individual.
Product: Mortgage

I received this document with some projections from Sortis, unsure of why this projection was sent to me. I signed an agreement with Sortis XX/XX/18, that was signed and notorized by both parties as of XX/XX/18, for a loan modification that started XX/XX/18. The first payment of the new loan amount of {$990.00} was sent electronically on XX/XX/18. However this was not reflected on a statement Sortis sent  me dated XX/XX/18. As of XX/XX/18 XXXXXXXX XXXX XXXX took over the loan. ( Attached is the signed and notorized by both parties loan modification paper for Sortis, the letter sent from Sortis regarding the change to XXXX XXXX  starting XX/XX/18, and the projection document. ) The question is why is Sortis sending a document that was not included in the loan modification.
Product: Credit reporting

I have attempted to dispute through their portal and it will not allow me to dispute inaccuracies on my report. I have evidence to support my claims but they will not allow me to dispute and they refuse to let me in and go through their website. I can only submit it through here so that they may receive my dispute and investigate the inaccuracies.
Product: Credit reporting or other personal consumer reports

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 Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 

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: Checking or savings account

Plenty of time I have sent money through XXXX and the next person didn receive it and the money was never sent back I had a on XXXX the account was suppose to have been closed but XXXX still took the money
Product: Credit reporting or other personal consumer reports

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. 

XXXX : # XXXX, XXXX  : # XXXX, XXXX  : # XXXX, XXXX  : # XXXX, XXXX  : # XXXX. XXXX : # XXXX, XXXX  : # XXXX, XXXX  : # XXXX, XXXX  : # XXXX, XXXX  : # XXXX, XXXX  : # XXXX, XXXX XXXX XXXX  : # XXXX, XXXX XXXX XXXX  : # XXXX, ( Original Creditor : XXXX XXXX XXXX ) : # XXXX, XXXX : # XXXX, has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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, credit repair services, or other personal consumer reports

Loan was forgiven and removed in XXXX now its new as counts open saying XXXX all are incorrect there was never any late payment history Ive lost 125 points in 3 DAYS from XXXX they say its verified but hasnt produced and proof