23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

My identity was stolen and so far has been used to : rent a car and not return it, purchase a motorcycle, open a checking account and bounce checks, try and purchase another vehicle, attempt to open multiple credit cards. I've purchased XXXX, frozen my credit with XXXX, XXXX, TransUnion, and XXXX, filed 3 police reports, a XXXX complaint, an FTC complaint, a XXXX XXXX XXXX complaint, and have contacted and am working with each dealership, bank or credit union affected. I've spent countless hours on the phone and filling out paperwork. 

This complaint is in regards to TransUnion and the motorcycle purchase. The motorcycle was purchased on XX/XX/2023 from XXXX XXXX XXXX XXXXXXXX ( XXXX ) using XXXX XXXX XXXX XXXX XXXX ( XXXX ). I've spoken with the dealership and the financial service, informed them both of the fraud, and am cooperating as requested. A police report was filed with the XXXX XXXX Police Department, Case # XXXX. 

I've disputed the credit report entry with TransUnion three times. All three times they came back with the same results in about a 24 hour period each - investigation completed, account verified, payment information updated. So I ask, what kind of investigation can you complete in 24 hours? Who did the contact? Anyone? What did they do? Nothing. These are the people we depend on the help and fix our credit, and these are the results they produce. It is a joke. I've filed a BBB complaint and now this complaint.
Product: Debt collection

I entered a lease on or around XX/XX/XXXX on the original lease. I state the carpet is already used and has an odor. I noted that the blinds weee broken and mismatching. During my 2 plus years at XXXX XXXX XXXX XXXX XXXX, AZ. XXXX. In fact, fixed a stair rail that kept falling off and had XXXX XXXX XXXX plumbers install a sink I paid for because the one they had was old and fell off the downstairs bathroom. I was an excellent tenant and always paid my rent on time. In XXXX of XXXX XXXX XXXX XXXX, XXXX, came over to reassess the property. He then chose to not charge me a pet deposit, but rather raised my rent {$100.00} a month. He did not ask, request or discuss a pet deposit other than the increase. I then was told by XXXX that the owner was selling the property and that I had 60 days to move. I immediately in XXXX of XXXX began looking and moved out per our agreement on-time despite Covid 19 on XX/XX/XXXX. I asked the XXXX company to come do the walk through, but they - No Showed. I had complaint that the property windows were not secure and they did nothing. I left the house in the best clean and damage free. There was some wear and tare, but the company has an {$800.00} security deposit to cover those costs. However, XXXX lied to me and told me he needed my new address to mail me my deposit. When Im fact he has submitted false information and information that indicates XXXX XXXX XXXX wants me to remodel the unit? I am not responsible for remodeling a unit that I rented that is the owners responsibility. The company they hired is harassing me with calls, letters and reporting false information to the credit bureaus. National Credit Systems is reporting false allegations, pictures and information. I am disputing this at every level to resolve based on facts. It is the landlords responsibility to do a final walk through and if there was graffiti on the wall that is not of my doing? I dont understand why I am being victimized in this situation? Please Help!
Product: Student loan

I recently received XXXX statements and they both stated I have not made any payments since XX/XX/2014 which is completely inaccurate from my understanding and then they stated I owed XXXX XXXX  which I can not afford their payment of XXXX XXXX  a month. 

I will plan to file for total forgiveness and also write a letter to them which I did in the past and never received any response.
Product: Student loan

I have two loans under the same student account with Discover Student Loans. Loan A initially was for {$2000.00}, the second loan, Loan B, was initially for {$10000.00}. I have been repaying these loans + interest since I graduated in XXXX. On XX/XX/XXXX I made a payment of {$15000.00} to both of these loans. This amount should have almost entirely paid off both of these loans. On XX/XX/XXXX the full amount of {$15000.00} was debited from my checking account. On XX/XX/XXXX when checking my Discover Student Loans account I did not see my payment of {$15000.00} reflected on either of my loans. I contacted Discover Student Loans customer support and was told to " wait 3 business days to see the payment reflected. '' On XX/XX/XXXX I saw that my payment was still not reflected on my student loan account. I contacted Discover Student Loans and was told they needed to investigate and it would " take several weeks. '' This payment was made from the same bank account it has been made from for the past several years, by the same person, to the same student loans. Discover Student Loans will not give me a case number for this " investigation. '' When I told Discover Student Loans that these 2 loans are continuing to accrue interest and a payment will be due next month because they are not reflecting my payment and that these loans should be paid off they were unhelpful and repeated they needed several weeks to investigate. When I asked to speak to a supervisor they said that was not possible. They do not care that a payment will be due next month, but if I do not pay I'm sure they will not hesitate to report my payment at delinquent and damage my credit score. Discover Student Loans received by payment of {$15000.00} on XX/XX/XXXX and is refusing to give me an investigation case # about my account not reflecting this large payment. I have no way to verify an investigation is even happening. The full loan balance is still being reported to credit agencies. Discover Student Loans customer service has been entirely unhelpful. I feel like I have nothing to show for my {$15000.00} payment, which should have almost entirely paid off my 2 student loans with Discover Student Loans.
Product: Credit reporting, credit repair services, or other personal consumer reports

MY PERSONAL INFORMATION HAS BEEN COMPROMISED AND THERE ARE FRAUDULENT ACCOUNT ON MY CREDIT REPORTS XXXX TRANSUNION AND XXXX ARE REPORTING INCORRECT DATA AND ACCOUNTS THAT DO NOT BELONG TO ME AND THERE ARE ALSO 2 ADDRESSES ( XXXX XXXX XXXX XXXX, OHIO XXXX ) & ( XXXX XXXX XXXX XXXX XXXX XXXX, OHIO XXXX XXXX ON MY CREDIT REPORT THAT DOES NOT BELONG TO ME WHICH WAS ALSO USED TO OPEN UP FRAUDULENT INSTALLMENT LOAN ACCOUNTS IN MY NAME I HAVE FILED A POLICE REPORT ABOUT THE ACCOUNTS FROM THE FOLLOWING CREDITORS 1.XXXX, XXXX XXXX 2.XXXX XXXX XXXX  XXXX 3.XXXX XXXXXXXX XXXX 4.US DEPT OF ED/XXXX  XXXX I HAVE BEEN DISPUTING THIS MATTER SINCE XXXX  AND THE CREDIT BUREAUS ARE NOT RESPONDING IN A TIMELY MANNER AND THEY ARE REPORTING ACCOUNTS THAT DO NOT BELONG TO ME ALONG WITH THE FACT THIS IS HAMPERING ME FROM HAVING GOOD CREDIT
Product: Mortgage

I am so frustrated. I am also very desperate. I am loosing my home. I am a single parent after loosing my husband to XXXX. He left me with XXXX kids. I had to get jobs, not a job but jobs to sustained my children. I struggle on a daily basis to put food on the table. All I am asking is for Bsi to please consider my request .I need a roof over our heads. This is the only thing both of my kids have to connect to their father. Bsi has refused to review my file and consider my request .Now my home is also worth a lot less than when we bought it. I would not be able to live with myself if I did not fight to keep our home. Please response as soon as possible.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep frustration and dissatisfaction with the repeated unsuccessful attempts I have made to correct late open accounts and remove the public record on my credit report. Despite my persistent efforts and valid claims, these late open accounts have not been rectified, causing considerable harm to my credit profile and financial well-being. 

I first identified late open accounts inaccurately listed on my credit report. These entries do not accurately reflect my financial history and have a detrimental impact on my credit score. 

Upon discovering these late open accounts, I promptly initiated disputes with your organization by following the prescribed dispute resolution process on your website. I provided supporting documentation and requested the correction or removal of these late open accounts. Unfortunately, my initial disputes were not resolved in my favor. 

Frustrated by the lack of resolution, I made multiple follow-up attempts to dispute and correct these late open accounts. I supplied additional evidence and communicated with your customer support, hoping to rectify this situation. 

Despite my continuous efforts to correct these inaccuracies and provide substantiating evidence, I have not received a satisfactory resolution from your organization. The late open accounts continue to adversely affect my credit score, making it difficult for me to access credit and financial opportunities. 

I demand immediate action to correct these inaccuracies on my credit report, specifically by removing the late open accounts and ensuring that my credit history accurately reflects my financial record. I also request written confirmation once these corrections or deletion have been made. 

Failure to address this matter promptly not only undermines my ability to access credit and financial opportunities but also erodes my trust in your organization 's ability to manage accurate credit reporting. I am asking for your assistance to correct these accounts and remove the public record : XXXX XXXX  XXXX Balance Owed : {$2100.00} - Please check the Payment History and Status information on this account and adjust accordingly. 

XXXX XXXX XXXX Balance Owed : {$1000.00} - You are reporting different information from other bureaus. Per FCRA, reporting must be 100 % accurate or the information must be updated. 

XXXX XXXX Bankruptcy Reference # : XXXX - This bankruptcy file date is wrong and this bankruptcy is out of statute for reporting on a credit report. And it should no longer be reported because it is past the 10 years statute of limitations that a credit bureau can report. Please update the filing date and then remove it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to submit a formal complaint against Transunion for violating my FCRA rights and my privacy. They have placed a public record on my consumer report that should not be there : XXXX XXXX - XXXX XXXX XXXX  - XXXX # XXXX. I have sent in several disputes asking for validation of this record and they responded saying it was verified it with the courts. So I reached out to the courts who verified that they do not report bankruptcies to the credit bureaus. I have attached the letter that I received from the court. They are in violation of my rights pursuant 15 usc 1681b under permissible purpose. They never validated nor verified anything with anyone at the courts. Transunion is violating multiple laws including : The reporting requirements do not comply with FCRA 611 ( 15 U.S.C 681I ) and the information must be deleted immediately. The civil liability law which I will sue under is clearly here : 15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting. The Congress makes the following findings : ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Failure to Comply or delete this public record from my report is a clear violation : XXXX XXXX - XXXX XXXX XXXX  - XXXX # XXXX. 
Code 1681n - Civil liability for willful noncompliance ( a ) In general, Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; 15 U.S. Code 1681o Civil liability for negligent noncompliance- ( a ) In general Any person who is negligent in failing to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure ; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. Under 15 US Code 1681a ( 4 ) as a consumer I have right to privacy and these inaccurate items must be deleted from my consumer report. Please help me get this violation removed from my credit report. It is unverifiable with the courts. Please see also the attached dispute which also points out multiple inaccuracies.
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX  account number : XXXX On XX/XX/XXXX I finance two puppies with, XXXX  for {$2500.00} with a ninty  day same as cash and made a payment of {$440.00} on XX/XX/XXXX and XX/XX/XXXX I paid XXXX, XXXX and the final pay was paid on XX/XX/XXXX of {$460.00} which I've paid this account out in full. 

In XXXXXXXX 0f XXXX, XXXX XXXX reported to the credit bureau that my account was delinquent which is very untrue. 

I called XXXX on XX/XX/XXXX and the XXXX and XXXX also XX/XX/XXXX with no avail of them trying to resolve this matter nor did, XXXX or XXXX tried to help me in resolving this issues at hand which has caused my credit score to drop and hardship to my living and for me to get a loan form anyone else due to their misleading fraudulent report of me missing a payment. 

These people at, XXXX XXXX XXXX XXXX are misleading and scammers they're fraudulently mishandling my paid in full never late account with their company! 

XXXX XXXX needs to correct my credit report with all three reporting agecny!
Product: Checking or savings account

I am the XXXX of the XXXX for XXXX XXXXXXXX and XXXX XXXX ( XXXX ) and have a savings and checking account for this organization with Wells Fargo. This account has been with Wells Fargo for at least 11 and likely more than 25 years. Last month, the account 's primary agents were changed to reflect a change in the XXXX   position ( I was newly elected ) and the business office moving to XXXX. So, the operations of this non-profit organization were relocated from XXXX Montana ( home of XXXX XXXX ) to XXXX, Indiana ( home of XXXX XXXX ). 

To conduct the exchange the old and new XXXXr and our accounting staff presented in person to Wells Fargo in downtown XXXX XXXX XXXX, Utah, where we provided identification, and organization documents ( meeting minutes and articles of incorporation, etc. ). This was a very tedious process because we received conflicting instructions in three separate phone calls to Wells Fargo. 

Today ( XX/XX/XXXX ) we received a warning letter that our account was to be closed because a business name mis-match and an unknown 'Certification Regarding Beneficial Owners of Legal Entity Customers form. ' This is an urgent matter, since we were given 20 days to report to a branch ( there are none locally ), to re-provide the information we provided in Utah in XXXX. Calls to the bank proved fruitless. 

So, we are a national organization, chartered in XXXX, who has been a client of Wells Fargo for perhaps decades, and they have threatened to close our account due to their loss of our identification, and/or update their internal banking records.
Product: Credit reporting, credit repair services, or other personal consumer reports

My complaint for today is a follow-up to my previous complaint dated XXXX to dispute these items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$500.00} XXXX XXXX Balance : {$960.00} XXXX XXXX XXXX XXXXXXXX Balance : {$180.00} XXXX  XXXX Balance : {$500.00} XXXX XXXX XXXX Balance : {$8400.00} XXXX XXXX XXXXXXXX Balance : {$430.00} XXXX XXXX XXXX XXXX Balance : {$190.00} XXXX XXXX XXXX XXXX XXXX : {$500.00} XXXX  XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX These items are erroneous and I want them deleted immediately.
Product: Credit card

Pursuant to 18usc 8, I owe no debt, this company is violating my consumer right to privacy persuant to 15 usc 1681 b2 company has also no permission to report anything using my info pursuant to 15 usc 16814. 

I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 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 XXXX and TransUnion 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 correct : DEPT OF ED/XXXX  XXXX Open Date XX/XX/XXXX, XXXX Balance- {$3900.00}, DEPT OF ED/XXXX XXXX Open Date XX/XX/2014 Balance : {$1900.00}
Product: Credit card or prepaid card

When I received the card, I used it and tried to make a payment on the website. The payments did not go through because there is a defect on the website that causes the account number to change when the ACH tries to go through, so the institution that the funds are requested from denies the request. 
I saw that there was an issue and called US Bank. After being on hold for over hour I was treated to a snotty support person who tried to convince me that I was doing something wrong. While on the call we WATCHED the account number change from what I had chosen from the drop down to another number. 
Finally, it looked like we got it to go through. That payment later failed with the same incorrect account number I continued to try to make payments, you can see it in my history. I called again and after being on hold to for over an hour I talked to web support. They told me that yes, there is a defect in the web site that is changing the account number. I was transferred to another agent who confirmed the defect. I asked if I could make a phone payment. This Customer Service Representative ( CSR ) said yes, but I would have to pay {$30.00} to do it. She said that was nuts, and she tried to do a warm hand off to another department where they could reverse the charge, but she did not take the payment from me because she thought it best if the other department took my payment, so they could make sure I wasnt charged. We sat on hold for another hour, then she suggested that I make the call myself, and she gave me the number, saying that it was a 24-hour number. NOPE, not 24 hours. 
I tried again to call the next day. I was on hold for 2 HOURS. Finally got through, to be put back on hold for an additional hour. I was told that it was fixed, and the payment went though my credit union, but did not post in a timely fashion. I was told that the reason for this was that I was late, so they had to wait for it to clear. I could see that the funds had left my Credit Union, and the CSR could see that the funds were indeed at US Bank. I was told that I could send a screen shot of my Credit Union account to an email address, which I did. I was told that to contest any entries to the bureaus I would have to send a letter in writing. The late fee was reversed ; however, I was still charged interest on an amount that should have been less if the website worked properly. 
Please consider this a formal request to have anything negative entered on my bureau reports removed immediately. I will pay off the card and be done with US Bank and any affiliates forever. 
XXXX XXXX
Product: Credit card

American Express recently completed a review of my finances. My credit cards with that bank have been canceled due to what they have said : according to the income that the bank has assessed based on records on file, my income does not support the spending on the accounts. 

I am XXXX and have substantial benefits for myself and all family members. I am the payee for my daughter. My wife 's benefits are listed in our joint tax filings. The bank has assessed our income based solely on line XXXX, total [ taxable ] income, of our 2014 tax filing. Our XXXX benefits, however, are not taxable and so do not figure into line XXXX of our tax filing. 

The bank has assessed our income at less than 5 % of what should be computed in a standard lending procedure. We had only just completed a different financial review to successfully refinance our automobile, justifying our claims that the income we report to lenders is correct. 

Am I correct in my view that the lending practice of American Express is a violation of the XXXX? Is this also a violation of ECOA ( discriminating based on source of income, i.e. some sources of income shall not be considered XXXX? I have tried educating the financial review team of said bank ; they will not budge. I have spoken to XXXX of the American Express financial review team in XXXX. XXXX did most of the work on my financial review by my understanding. I also appealed to XXXX supervisor, XXXX XXXX. Both XXXX and XXXX did read aloud the portion of social security income listed on our tax filings ( my daughter 's income not shown there XXXX. Neither XXXX nor XXXX would reassess our income. According to conversations with the XXXX ladies, they are under instruction to only assess income as what is shown on XXXX filing line XXXX XXXX total taxable income ) or line XXXX XXXX adjusted gross income ) whichever is higher.
Product: Money transfer, virtual currency, or money service

A scammer met me on social media through XXXX and shared his investment gain on Coinbase. He mentioned that Coinbase is one of the most secure crypto storage. I was not aware that my information was compromised. He asked me to download a fraudulent platform called XXXX XXXX ( a stock trade and exchange trade fund app ). This app was created to access victims like me of my personal information such as ( phone number, email, DL, bank information ). The scammer used this method to steal my CoinBase account. I have reported this incident to IC3, the local police department. I contacted Coinbase and they locked my account, but I wasn't able to trace any of my money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 2 Hard Inquiries from XXXX XXXX and JPMCB applying for a credit card in my name on XX/XX/2022. This wasn't me. I called all 3 credit bureau ( XXXX, XXXX, and XXXX. ) I also notified XXXX XXXX to let them know and JPMCB that these applications were not me. I will also be filling a police report which has not happened yet.
Product: Credit reporting, credit repair services, or other personal consumer reports

Nationstar/Mr. Cooper transferred the loan to XXXX when I paid XXXX off in 2017. Nationstar is reporting the loan on XXXX  as an unpaid chargeoff with a balance of {$19000.00} which is incorrect.