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

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and correct from erroneous reporting in my file are listed on my credit report XX/XX/XXXX
Product: Checking or savings account

This is regarding my checking account with PNC bank. I mailed an {$1800.00} dollar rent check in XXXX of XXXX for XX/XX/XXXX rent. The check was lost in the mail. I stopped payment on the check. In XXXX of XXXX, the check was altered to {$4800.00}, the business name who I wrote the check to was scribbled out and an individuals name was written above the scribbled out original name. The dates were altered to as well to XXXX. I immediately contacted PNC to dispute the charge. I eventually spoke with a manager and said the money would be put in my account provisionally after two weeks. After a month of the funds not being returned I called back and was told that they do not put money back provisionally and that they had 4 months to settle the dispute. I asked for some specifics on the status and was told to contact the fraud department for that. I was given their number and was told it would be a voice-mail and to leave the requested information and I would get a call back. I have left XXXX voice-mails and no call back. I was also assured that a hold was on my account as I could not close it because of the fraud investigation. Low and behold another fraudulent transaction hit my account on XX/XX/XXXX. Evidently a hold was never placed. I spoke with another manager and she was able to tell me the original {$4800.00} altered check was fraudulently cashed at Bank XXXX XXXX. I again asked to speak with the fraud department. She said she had the same number as me for them, but she would contact them on my behalf. Today she called me back and said that she has not received a response from the fraud department and could not give me any updates. I have been scammed twice now. Once by a criminal who altered my check and again by my own bank that will not even do the simplest task of calling me back.
Product: Credit reporting or other personal consumer reports

I have filed several disputes with Transunion, and consistently, they responded within 24 hours stating the account is accurate without providing evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Transunion 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report on XX/XX/year> and noticed an account XXXX XXXX XXXX  XXXX that was not reporting accurately. I have XXXX missed payment in XX/XX/year> reporting 30-59 days late that in fact was paid on time and never missed. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments. I'm now requesting you investigate this account and update these payments to never missed and paid on time immediately. Thank you for your understanding and prompt action.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following items continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). I will bring legal action against you if you do not verify these items. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021
Product: Debt collection

I owe no debt and have good credit. For the past two weeks I've been getting calls from some company, Trans World System. They left a voicemail stating, I have some legal documents associated with my name, social security number and theyre coming to my home/work to serve me. If they cant reach me it at either locations consider it as being notified and the filing will continue. 

Again, I've NEVER heard of this company and I do not owe any debt to be sued for. 

Thank You!
Product: Credit reporting or other personal consumer reports

Someone used my information to open this account I have no knowledge of this account
Product: Debt collection

Re : CBE GroupXXXX. They call me at XXXX almost everyday. I have advised that the person they are trying to reach is not me nor at my number. Yet they continue to call. I have tried to block the call but they continue to call me. No sure what else I can do. I have had this same phone number for more than 40-years so I can not figure out why they continue to call. 
XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I submitted a credit rating dispute with XXXX, XXXX XXXX and XXXX   concerning the derogatory rating I received from Greensky Financial Bank ( Greensky ). On XX/XX/XXXX, I appeared in the Superior Court of California , County of XXXX Small Claims Court as the defendant in the case of The Home Depot USA Inc. DBA Home Depot Interiors , case number XXXX, because The Home Depot failed to fulfill a contract as agreed for a bathroom remodel. I had been in dispute with this company since XX/XX/XXXX. The contract for the remodel was financed through Greensky. In XX/XX/XXXX, I notified Greensky that I would no longer make payments on the loan until the work was completed as agreed and provided them with a Home Depot Customer Service Case number. After many months of attempts to resolve the issues, I was forced to file suit. I received the Notice of Entry of Judgment and provided this information to Greensky. While in dispute, Greensky charged the account off, which is a derogatory rating. I have sent a copy of the Notice of Entry to Greensky, as well as disputed the rating with the three credit bureaus, XXXX XXXX, XXXX  and XXXX. Greensky has refused to remove the derogatory rating. On XX/XX/XXXX, I received a check from The Home Depot Legal Division in the amount of {$890.00}, along with a request to file a Satisfaction of Judgement. However, as of this date, the contract has not been cancelled and the balance of the account has not been credited nor the rating removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

my account was was on deferment for the months XXXX and XXXX per agreement with XXXX XXXX. and my account was made current. My next car payment was to start on XX/XX/XXXX. Since then I have not been late on my account. 
I recently checked my credit report and seen there was a 30 day late payment added to my report. please thoroughly investigate this matter and update my credit report with all XXXX XXXX and remove the late payment immediately. or send account ledgers to prove there was a late payment made on my behalf.
Product: Credit reporting or other personal consumer reports

I filed a complaint ad a dispute with the credit bureaus XXXX and Trans union to correct inaccurate information from my report I filed with CFPB also and it has been XXXX days and they have not responded per CFPB the FCRA require the bureaus to respond in XXXX days or remove inaccurate information that I disputed.
Product: Credit reporting, credit repair services, or other personal consumer reports

My transunion credit file is locked to prevent unwanted credit inquires. My data was leaked in all the big leaks XXXXXXXX XXXX XXXX XXXX XXXX and others. I notice even though my file is locked or frozen when a company tries to run my credit report transunion still lowers my credit score for having a new inquiry.

Is freezing your credit file supposed to keep companies from checking your credit? Then why lower my score for an inquiry that led to nothing? 
Unless they still allowed the company to gain my credit report.
Product: Credit reporting

Credit reporting & low score ... .This Bureau is not using my credit repayment history to rate my creditworthiness, but instead is relying on credit inquiries, & credit card usage while overlooking the ( the most important factor ) My repayment history & ability to repay. I seeking a correction, of this ( Poor ) Rating as it has a direct affect on my ability to get low rates which consequently becomes the greatest avenue to ( not only getting good & reasonable rates but indeed making it much easier to repay .... My bills are at 100 % repay & my score should reflect the excellent Payment history & score
Product: Credit reporting or other personal consumer reports

XXXX is reported inaccurately to my credit report wrong bal wrong limits and will not supply me a purchase agreement of this alleged bad debt internet copies are not verified. I dispute this account under 15 usc 1681i a 6 b iii as I want to know how it was legally verified. Not internet copies of the pool of bad debts they bought from the trust who owned them. XXXX XXXX XXXXi sold this bad debt to XXXX which violates the fcra you can not sell personal information by law without the persons consent
Product: Debt collection

XXXX XXXX XXXX in XXXX, Georgia. Need to provide itemized list of charges instead constantly call during work hours demanding money.
Product: Credit reporting, credit repair services, or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : 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 XXXXXX/XX/XXXX
Product: Credit card

I applied for a credit card from capital one and was approved for a credit limit of XXXX dollars under the pretense and not realizing i had entered my drivers license number as my social security number which is still an identifiable form of identification and submitted supporting documents to prove i am myself the company refused to give me the line of credit because they did not want to change the information as requested when it was presented and in other factors its curious because they stated that if they reported to the credit reporting agencies they would not be able to associate me to my credit profile however when their own credit monitoring service showed my credit profile it shows a card linked to myself as an authorized user on a card through XXXX i seek to have this case thoroughly investigated and the company to uphold to the original approval
Product: Debt collection

In accordance with the Fair Credit Reporting act MIDLAND FUNDING Account 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 a account without my written instructions. 

Back in XXXX, and XXXX I sent Midland Funding a letters asking for validation for this Unknown account. through USPS XXXX mail service.
Product: Credit reporting or other personal consumer reports

15 U.S.C. 1692c ( c ) of the Fair Debt Collection Practices Act ( FDCPA ) states that debt collectors must stop contacting a consumer if the consumer requests it in writing.
Product: Mortgage

A few month ago I called You Bank of America to ask if windstorm coverage was necessary, since the loan ( {$220000.00} ) to value ratio was low ( home is appraised over {$2.00} XXXX ). The land value alone is valued at more than tree times the actual loan we hold from you. In any case, the answer I received from your office Was NO, no need for it. We changed our carrier because we found that they would included all of our needs in one policy, ( Cars, Collectibles, Umbrella, Contents, etc. ) Now after all is done, you are requiring us to get windstorm!? We even went trough a mayor Hurricane and nothing happen.. not one claim! The house was build beyond the requirements of the building codes. 

We have been for years very good customers, even through hard times! We have been paying mainly interest with very little principal ( that should be illegal ), without complaining. I have spent TWO hours, mainly on hold try to ask to speak to supervisors ; no help, the answer Ive got was to send a letter, by mail! I asked for a name and email NO there is no such thing
Product: Money transfer, virtual currency, or money service

On XX/XX/2023 XXXX XXXX XXXX called a number from XXXX that I thought was XXXX. The number was a scam. The person told me he was from XXXX and his name was XXXX XXXX. The phone number was XXXX. He told me to download an app on my phone called anydesk to help me with my issue. This guy on the phone spoke good clear english and was very convincing. He accessed my phone and transferred funds from my paypal account to someone I knew and have them send it back. He said it's to verify me. Then he transferred money from my bank account to fraud emails on XXXX. I did not authorize these transactions. I contacted bank accounts, XXXX XXXX, paypal and Venmo due to this scam. I changed password and accounts immediately. I am about XXXX dollars in negative due to the transaction made in my accounts. The amount through Paypal was {$5600.00}. I contacted Paypal and gave them all the information on what happened. They denied my claim. Paypal restricted me from ever using paypal again. I emailed them again to escalate the issue. I lost {$1600.00} from my bank account. The scammer used my Venmo account and did transactions with crypto through my account. I never used of dealt with crypto. I did not authorize any transaction.
Product: Credit reporting or other personal consumer reports

Experian has repeatedly reported a late payment on my credit report. The payment was never late. I contacted Experian and the company ( XXXX XXXX XXXX XXXX ) asking them to correct this, or to show me proof that the account was paid lateXXXX XXXX XXXX XXXXXXXX XXXX ignored me, and Experian just keeps telling me they won't change it. They don't even investigate it. This late payment is hurting my ability to obtain new credit.
Product: Credit card or prepaid card

After a kohl 's account was charged off, because their collector told me I may get sued, I settled the account. I spent many months working on this with a company called XXXX XXXX XXXX. They have failed to update the account as settled, which it is, and they have failed to respond to my disputes. Kohl 's is still reporting the card with a balance, which is clearly inaccurate. They are willfully causing me damage by misrepresenting the facts on the account. Please make them remove the account entirely from my credit report because they have reported it inaccurately
Product: Checking or savings account

My Bank of America was compromised on XXXX XXXX with unemployment benefits from Washington State, and frozen and 2 deposits remain in the account, from the XXXX and confectionery union for my pension salary deposited on XX/XX/20 for XXXX and on XX/XX/20 another deposit for XXXX I received a letter from the attorney General of Washington on XXXX XXXX to file a claim to have my pension salary to be return, for the amount of XXXX I had file the claim and received a phone call from the assistant attorney General and explain that's pension money belonging to me not unemployment benefits money from the state of Washington which was already returned but remains my pension salary the assistant attorney General sent documents signed by the judge in this case my name was removed from the list and my pension should be returned back to me Bank of America refuses to refund my pension money and I have forwarded documents from the court saying I have the right to have my pension money returned back to me
Product: Credit reporting or other personal consumer reports

On XXXX XXXX I received a letter from my Health Insurance Company XXXX who provides services for my health insurance company XXXX XXXX. They informed me that my records have been accessed with all of personal information by an unknown person. When I called and spoke with a rep she informed me that they were caught on XXXX XXXX but they could have had access up to 30 days prior. Below are accounts listed XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Consumer Loan

XXXX APPLIED FOR A LOAN WITH 1St FRANKIN FINANICAL IN XXXX XXXX, XXXX. THEY APPROVED ME FOR THE LOAN OF AROUND {$600.00}. MY FIRST PAYMENT WAS DUE XX/XX/XXXX AND I WAS UNABLE TO MAKE THAT PAYMENT DUE TO JOB LOSS. THE COMPANY THEN STARTED TO MAKE HARRSING PHONE CALLS TO ME, MY FRIENDS, AND FAMILY. WHILE LOOKING FOR A JOB I REVIEWED MY CREDIT REPORT THAT 1ST FINACIAL MADE, XXXX UNAUTHORIZED HARD INQUIRES ON MY CREDIT REPORT. XXXX WAS ON XXXX XXXX, XXXX AND ANOTHER XXXX ON XXXX XXXX, XXXX. THEY DID N'T HAVE THE APPROVAL FROM ME TO PULL MY CREDIT AT THAT TIME. THEY PULLED DOWN MY CREDIT SCORE AND I THINK THAT IS NOT LEGAL TO PULL MY CREDIT WITHOUT MY CONCENT. I 'M STILL WITHOUT EMPLOYENT AND BY THEM PULLING MY CREDIT WHEN THEY WANT TO JUST BECAUSE THEY HAVE MY INFORMATION IS UNFAIR FOR THE CUSTOMER. THEY ARE REALLY LOWERING MY CHANCES FOR ME TO LAND A JOB BY PULLING MY CREDIT AND LOWERING MY SCORE. I 'M SURE I 'M NOT THE ONLY ONE THIS HAPPENED TO. THIS COMPANY NEEDS TO STOP THE UNFAIR COLLECTION PRACTICES.
Product: Checking or savings account

I noticed an unauthorized XXXX contact addition ( XXXX XXXX, phone number : XXXX ) and subsequent unauthorized XXXX payment to that contact in the amount of {$50.00} on XXXX XX/XX/XXXX at XXXX. At this time I was at work with my phone in a locker. I could not have done this. I called Ally bank the next day and alerted them of this so they could secure my account. Representatives confirmed that the addition of this XXXX XXXX to my XXXX contact list was weird because the person also attempted to change my account information ( phone number and email ) to theirs ( XXXX ). Per the representative, the money was sent to a XXXX XXXX  account ending in XXXX. My account was locked so Ally could investigate. I called to regain access to my account and no information was given to me. Representative XXXX called to get more information from me, but could not tell me when I would regain access to my account. She said it may take some time. I called the next day to confirm that XXXX was an Ally representative, and they said yes. This new representative now told me that my account was being closed. She said XXXX told me this the week prior. This was inaccurate. At this point, my salary was still being submitted to that account. I attempted many times to reach Ally 's Fraud department again, and I was left on hold for hours, only for the call to end with a fax dial tone each time. I called again on XX/XX/XXXX and spoke to XXXX who connected me with his team lead XXXX. XXXX confirmed she got the Disputes Department to close, and my case is now being sent for review to the fraud department. It's been nearly 1 month, and my rent is due as is that of my joint account holders. Would be nice to not get evicted because I did the right thing in reporting a fraudulent activity on my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, MI XX/XX/XXXX XXXX Attn. : Consumer Relations XX/XX/XXXX To Whom It May Concern, On XXXX/XXXX/XXXX, I wrote to you requesting an investigation into items that I believed were INNACCURATE, DAMAGING TO MY CHARACTER, and also fraudulent. To date, I have not received results of the requested re-investigation. In my previous request, I listed my reasons for disputing the information. Those reasons included making sure that the information being furnished was accurate. Neither credit reporting agency has been able to prove accuracy and completeness of their reporting on my personal credit reports. 

Since this is my SECOND request, I will also be sending a copy of this letter to the Federal Trade Commission notifying them that I have signed receipts for letters sent to you and you have not complied with my request. I regret that I am being forced to take such action. 

Please see my reasons for dispute below : Account name : XXXX XXXX XXXX Account number : XXXX ; Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX, XXXX Account number : XXXX Account name : XXXX XXXX XXXX  L Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX Account XXXX : XXXX Account name : XXXX XXXX  Account XXXX : XXXX Account name : XXXX XXXX Account number : XXXX All the listed accounts are in violation of my consumer rights with regards to my consumers right to privacy. This harmful public information is placing my life and the lives of my family in danger. Please remove these negative, harmful and fraudulent accounts from my report. I just want to live free as God intended.

Violations so far- 1. 15 usc 1681 ( a ) ( 4 ) Infringed Upon a Consumers right to privacy 2. 15 usc 1681b ( a ) ( 2 ) No Permissible purpose/ No written instruction I also understand that you are required to notify me of your results within 30 days and provide me with an updated copy of my credit report. My contact information is provided below. 


Sincerely, XXXX XXXX
Product: Checking or savings account

I realized recently a fraudulent & sizable ( {$1800.00} ) check was cashed / deposited out of my personal checking account. The check was dated XX/XX/2019 and was completely fake, with a fake signature. I attempted to request my banking institution to look into it and also reimburse my account. They are not willing to do this due to the timing of when it happened being past their grace period.