23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

XXXX {$300.00} XXXX {$1000.00} I have more missing money but its been so long my accounts were foreclosed
Product: Vehicle loan or lease

This reporting is in error. Yamaha never serviced this account but instead had a 3rd party processor who was never disclosed. Over the life of the loan, which has been paid off as of XX/XX/2020, I never received a single notice of past due or late payments via any means. After calling Yamaha when this was reported to my bureau they said the balance was in fact XXXX  and showed no outstanding balance or delinquent balance. Further, they issued me a refund check in XXXX for an over-payment of {$15.00} on XX/XX/XXXX. How could I have a past due, outstanding balance when they issued the payoff value, never notified me of any payment issue and sent me a refund? The payoff was made, in full, back in XX/XX/2020. My bureau shows all payments in green status of paid since the servicing was changed in XX/XX/2020. This is an unfair credit reporting act and there is no data to substantiate a late pay or past due balance at any time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a XXXX  service member and I am currently trying to get approved for a home loan. It has been put on hold due to some information that XXXXComenity Bank sent to the credit bureau. I have been a loyal customer & made sure to make my payments on time. I have not fallen into collections at any time. I paid my credit card bill & the company reported to a credit bureau that I had not made the payments for XXXX of 2020. I have proof that I was not late or behind. In fact, the account is at a {$0.00} balance out of {$5500.00}. I did not serve my country for this to interfere with me getting a home for my family and I. I have asked a customer service representative if there was a way that the company could help & the representative told me no. I just really want this taken care of. I will be submitting bank account information with dates & amounts in the attachments below.
Product: Credit reporting, credit repair services, or other personal consumer reports

ON XXXX XX/XX/07, I SENT IN LETTERS REGARDING INACCURATE REPORTING FALSE ITEMS ON MY CREDIT REPORT. THERE ARE STILL ITEMS THAT ARE PRESENT THERE ON WHICH I FEEL LIKE THEY WANTED IT TO STAY THAT WAY. I FEEL LIKE IM BEING IGNORED OF MY DISPUTES. THIS IS DECEPTIVE PRACTICES BY THE BUREAUS.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Equifax : I recently reviewed my credit report and found unauthorized inquiries. 
I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 
According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer.

Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following inquiries are unauthorized : 1. XXXX XXXX  on 01/27/2021 2. XXXX  XXXX  XXXX  XXXX  on 12/10/2020 3. Credit Information S on XX/XX/XXXX 4. XXXX XXXX XXXX XXXX on XX/XX/XXXX 5. XXXX XXXX XXXX XXXX  on XX/XX/XXXX 6. XXXX on XX/XX/XXXX 7. XXXX XXXX on XX/XX/XXXX 8. XXXX XXXX XXXX  XXXX on XX/XX/XXXX I understand that per the Fair Credit Reporting Act, you are required to notify me of your investigation results within 30 days. My contact information is provided below and I have included proof of my social security and current address to avoid any delays in your response time. 
I look forward to receiving an updated copy of my credit report reflecting the above correction. Thanking you in advance.
Product: Debt collection

On XXXX XXXX, 2016 at XXXX cdt Springleaf collections phoned and left a message that XXXX XXXX wanted me to return her call about a debt. This was a robo call. 
On XXXX XXXX, 2016 I wrote to Springleaf on their internet portal. I told them that I do not have a business relationship them and never have. I then demanded that they cease and desist from contacting me. They called my phone and did not leave a message. 
Today, XXXX XXXX, 2016 at XXXX cdt the same robo call from XXXX XXXX left a message for me. I want them to remove my phone number from their call list.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX # XXXX is reporting a late in XXXX that I shouldn't have. I was not late and didn't even know I had a balance nor did I get a bill. The moment I found out about it I paid it.
Product: Checking or savings account

During the withdrawal process at a drive through ATM on XX/XX/22 at XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX, I forgot to get the dispensed money from the ATM. I returned a couple of minutes and reported to banker at XXXX location for assistance. I was advised to call a toll free number and report the incident immediately which I did. I received notification later the next week that a credit would be allocated to me while this was investigated. 
On XX/XX/22, I received notification that this credit had been awarded in error and would be reversed on XX/XX/22. I contacted the claims department immediately to discuss this incident and ask for assistance confirming that I hadn't infact received the money I intended to withdraw. The department reps stated that unfortunately they couldn't assist me as these investigations had been concluded and this reversed credit would be in effect as of XX/XX/22. 

I didn't receive this withdrawal and have requested the bank to review their XXXX XXXX to investigate this matter and return my money ( {$200.00} ) and haven't received any response back. 
Any assistance in this matter would be greatly appreciated.
Product: Credit reporting or other personal consumer reports

I have never opened or authorized these accounts and believe it has been reported in error or as a result of fraud. This unauthorized debt has negatively impacted my credit score and financial standing. 

I immediately disputed this debt with XXXX but the bureau has not removed the account. I also contacted Creditors/Companies to request verification of the debt, but they did not respond/provided insufficient proof. 


XX/XX/XXXX {$20000.00} Disputed but company would not remove or show documentation. 

XX/XX/XXXX {$12000.00} Disputed but company would not remove or show documentation. 

XX/XX/XXXX {$2200.00} Disputed but company would not remove or show documentation. 

XX/XX/XXXX {$2800.00} Disputed but company would not remove or show documentation. 

XX/XX/XXXX {$320.00} Disputed but company would not remove or show documentation. 

XX/XX/XXXX {$470.00} Disputed but company would not remove or show documentation Multiple inquires
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance to the Fair Credit Reporting Act 15 U.S.C 1681 Fair Debt Collection Practices Act 15 U.S.C 1692 Consumer Collection MN XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX5 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 states a consumer reporting agency can not furnish without my written consent 15 U.S.C 1692C without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.at any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer. a debt collector may not communicate, in connection with the collection of any debt 15 U.S.C 1692 806 ( 5 ) Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have asked for help more than 15 times and Transunion continues to refuse to assist me, instead choosing to harass and mistreat me, mostly by talking over me constantly, but also by asking me questions I am unable to answer, and refusing to answer any of my questions. 
I simply wish to resolve whatever issue prevents me from filing disputes online so that I can handle this business online, and not be subjected to the harassment and abuse of their telephone reps.
Product: Credit card or prepaid card

This is still an ongoing issue from my last complaint with Card.com ( complaint # XXXX ). For other consumers reading this, you will see that when I file these disputes against these companies, I can't make this stuff up or lie!! The previous amount that was stolen was refunded back to my account. Card.com I want to thank you for admitting that you guys made a mistake, and worked to get my {$51.00} that was stolen, back into my account. However, I AM HAVING THE SAME ISSUE ONCE AGAIN. I still have 2 fraudulent charges still on my account, that have been in pending status for 30+ days. The fact that a pending charge is taking 30 days to post, should be a red flag for any bank to say this is a fraudulent charge. I spoke with an agent today ( XX/XX/18 ) at Card.com, and he stated that I would have to contact the two merchants to get them to release the charges. I have spoken to both companies .... XXXX XXXX ( Branch ) in XXXX PA for {$22.00} and XXXX XXXX XXXX XXXX in XXXX WA for {$29.00}. XXXX XXXX  said I need to contact my bank, and I have left messages to XXXX XXXX XXXX XXXX, who has not returned any of my phone calls. A few weeks ago I contacted Card.com and asked them when would I be able to dispute the pending transactions, and a female agent told me I would have to wait a total of 30 days before I can dispute. So again, I am being told two different things by their customer service. I can dispute after 30 days while in pending status, or I have to contact the merchants directly to get them to release the funds. I have tried both, and I still don't have my funds back into my account. 

Also, luckily I took screen shots last month of the fraudulent charges showing on my online statement. Because as of today, they are miraculously missing from my current online statement. ( ( ( ( ( ( I AM ATTACHING 2 STATEMENTS SHOWING THEM THERE AND THEM MISSING CURRENTLY ) ) ) ) ) If I didn't have the proof from last time, I may be out of luck disputing them. 

I don't understand how a bank that knows clearly that a transaction is a fraudulent charge, would not fight for their customer to reach out to the merchant and reverse the charges. Pending charges for 30+ days!!!! And that's not a red flag?
Product: Mortgage

XX/XX/XXXX XXXX XXXX XXXX XXXX Filed a Report And Took Me To court Because I was unable to make payments, also paying the back time along with work orders. My concerns where no XXXX contacted me to help with resources to be able to pay my rent .its also on my record that I have been unemployed, since I have renew the lease from the move in date that I was a XXXX individual unemployed. I have been seeking help to get my XXXX that I was born with to be able to get the help I need to have income to be able to pay the Bill 's I am currently homeless. I have been evicted My last day in housing was XX/XX/year> and the housing gave me 10days to move witch I feel was not enough time to get the help I need to pay the back time off. I really need help and I have no help my mother is helping me with my XXXX kids I live with my mom and she does not have enough space in her home to house me an my kids for to much longer I have looked for resources in my area an I yet to find the help I need
Product: Credit reporting, credit repair services, or other personal consumer reports

Under 15 U.S. Code 1681b ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) Responsibilities of furnishers information to consumer reporting agencies. I did not consent to unauthorized inquiry. ( XXXX XX/XX/2021 ) I demand it be removed immediately. I have filed several disputes and the inquiry is still being reported on my credit report. I feel I'm being taken advantage of and being ignored of my disputes. You are in violation reporting misleading, false reporting. Delete this inquiry immediately!
Product: Debt collection

Ocwen Loan Servicing, LLC was the servicer on my mortgage loan. They self identify themselves as a debt collector. In New York State, the Statute of Limitation on collecting a mortgage loan on real property is six years from the last payment made. Ocwen knows, or should have known, that my last payment was made years before foreclosure papers were served on me, in XX/XX/XXXX, yet they continue their attempts to collect on the debt. I recently received a Mortgage Account Statement from them dated XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

Please correct my address information. TransUnion lists XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NJ XXXX, but my correct address is XXXX XXXX XXXX, XXXX, NJ XXXX. This inaccurate information violates the FCRA 's requirements for maximum possible accuracy under 15 USC 1681e ( b ) and could also violate the permissible purpose rule under 15 USC 1681b. Inaccurate personal information on my credit report can create confusion, harm my creditworthiness, and raise concerns about how securely my data is being handled. I rely on my credit report for important financial decisions, and errors like these make it unnecessarily difficult to maintain a clear and accurate profile. I'm asking for this to be corrected quickly, and I'd appreciate your help in ensuring my report is accurate and up-to-date. If this inaccuracy isn't resolved, it may qualify as willful noncompliance, which could lead to a penalty of no less than {$1000.00} under 15 USC 1681n. Please also confirm in writing once the correction has been made and provide me with an updated copy of my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I been reaching out to the company regarding a late payment from 2017 and was told by XXXX XXXX that paperwork will be sent out regarding removal. I never received paperwork so I sent a letter to the complaint department twice via certified mail and of course I got no response. I tried disputing it through the credit bureau and it just stay in pending and then a letter come out saying unable to remove.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I issued a Letter of DIspute to XXXX, XXXX, and Transunion via the C.F.P.B, outlining issues of incorrect information they were reporting about me. As per the Fair Credit Reporting Act and the F.T.C, XXXX had 15-30 days in order to respond to my Letter of Dispute, failing to do so required the to delete ALL erroneous items which I had disputed to them. 
XXXX did not respond to my Letter of Dispute untill XXXX, therefore failing to respond in the time frame allotted to them by Fair Credit Reporting Act and the F.T.C. 
It is without a doubt that XXXX, XXXX, and Transunion are certain of these laws which they must abide by, however this case is a prime example of XXXX 's clear and blatant disregard of the Laws set forth in the Fair Credit Reporting Act and the F.T.C, and proves how they actively work to undermine the Laws and Regulations set forth upon them by their XXXX 's. 
I will attempt to yet again contact XXXX, XXXX, and Transunion via the C.F.P.B in hopes of having this matter resolved the way the Law writes that it should, however if i find that this does not solve the issue which i have i spelled out in our prior correspondence, then i will have no choice but to obtain Legal Counsel and seek damages for this continued injustice. It is my hopes that XXXX will not force me to tie up unnecessary time and resources of our Courts in order to have this wrong righted. 

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

All of these hard inquiries on my report were fraud and unauthorized by me and want them removed from my credit report asap please XXXX  ( Finance ) XX/XX/XXXX XXXX ( Finance ) XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXXXXXX XXXX XXXX ( Finance ) XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX ( Auto ) XX/XX/XXXXXXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX  ( Bank ) XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXXXXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX ( Auto ) XX/XX/XXXXXXXX XXXX
Product: Consumer Loan

Bill for services provided by XXXX ; toal of XXXX, apid XXXX. Third party lender ( Monterey Financial Services ) financed a remaining balance of XXXX on bill. After 4 payments of XXXX ( total of XXXX ) paid so far, called for payoff amount and was told it was XXXX! Nearly 200 % profit on a 14 month loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian & XXXX XXXX continues to publish two fraudulent accounts alleged by the company XXXX XXXX XXXX. I have reported numerous times I have never agreed to any account for any amount with the company XXXX, therefore any accounts alleged by XXXX would be fraudulent. Experian has reported they did an investigation, however Experian is wrong and I will continue to dispute these accounts and have the law make Experian use their assets to explain until Experian removes these fraudulent accounts. I have requested an agreement from XXXX and they have been unable to provide any agreement between myself and XXXX, yet Experian says they have seen it. So I am requesting Experian to provide me a copy of the alleged agreement between myself and XXXX. I have also requested proof from XXXX and they have not been able to provide me detailed proof within the last nine months. I believe nine months is more than an adequate amount of time to come up with detailed proof of these alleged accounts. XXXX  has decided since XXXX can not come up with proof, and because these accounts are clearly fraudulent, to remove them from their credit reporting and I believe that XXXX  removal of these accounts is proof these accounts are fraudulent. XXXX has sent me what they believe is proof and its a letter that is addressed to an address that is not mine nor was mine at the time of the dated letter, that alone should add enough weight to my statement that these accounts are not mine and would make the probability of these accounts being fraudulent more likely than not, thus a removal from credit reporting and would override any data furnisher.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not understand why my XXXX credit card shows an Experian Fico XXXX Score drop from XXXX to XXXX, ( dated XX/XX/XXXX ). My score should move UP not DOWN. 

XXXX on my XXXX card currently raised my score to XXXX on XX/XX/XXXX, and XXXX XXXX on my XXXX  XXXX XXXX card raised my score to XXXX on XX/XX/XXXX. My Experian Fico score should also go UP, not DOWN. 

Previously : Experian showed an erroneous late payment for XXXX XXXX credit card on XXXX, XXXX, ( which they corrected ), and two late payments for XXXX credit card on XXXX, XXXX, and XXXX, XXXX ( which they also corrected ). I have a 100 % perfect payment history and I expected a rise in my credit score, not a drop. 

I attached the XXXX XXXX XXXX XXXX XXXX credit score, and my XXXX card credit score so you can see that they appropriately raised my score on those credit cards.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried for several years to access my Equifax credit report from XXXX XXXX and I can not pass ore screen
questions. 1. I dont have mortgage 2.dont have auto loan 3.dont know amount of said auto loan 4.no bank account with those shown.
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 XXXX XXXX report is NOT included on the consumer reports. Yet XXXX, 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 XXXX compliance. Provide me with the XXXX 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 XXXX Cancellation XXXX Debt. XXXX, XXXX, Equifax and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of XXXX XXXX ss XXXX Returns Relating to XXXX 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 XXXX : XXXX XXXX AND IRS form XXXX. Application For Award Original Information Overview with the Internal Revenue Service against ALL entities involved.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : late payment : XXXX XXXX XXXX XX/XX/2022 {$2.00} XXXX XXXX XXXX XX/XX/2022 {$0.00} XXXX XXXX XXXX XX/XX/2022 {$0.00} XXXX XXXX XXXX {$75.00} Personal Info : Employers : XXXX EMP Employers : XXXX XXXX XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my Experian credit report I found that a debt collection company ( XXXX XXXX ) located at XXXX XXXX XXXX XXXX, XXXX XXXX, CA had pulled my report on two separate  occasions : XXXX XXXX, XXXX and XXXX XXXX, XXXX. <P/>Both times without my consent or knowledge. I sent a letter to the company notifying them of the issue.