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

TRANSWORLD SYSTEM INC is reporting inaccurate information on my credit report. Not only that, but they are refusing to provide proper validation to this alledged debt and several violations are reporting on this account. i have tried to resolve this issue for months and the company has not been helpful at all.
Product: Mortgage

On XX/XX/2021, I applied for a home mortgage with Truist Bank. 
Truist provided a Loan Estimate on XX/XX/2021, with Estimated Closing Costs of {$13000.00}. 
On XX/XX/2021, Truist notified me that I was required to complete and pay for septic repairs as estimated by XXXX XXXX XXXX in the amount of {$7700.00}. 
Truist provided a Closing Disclosure on XX/XX/2021, with Closing Costs of {$11000.00}. These closing costs included my payment of {$7700.00} to XXXX XXXX XXXX, and a credit of {$7400.00} for increase of Closing Costs above legal limit. 
I contracted with XXXX XXXX XXXX to complete the septic repairs, the repairs were completed and I paid {$7700.00} to XXXX XXXX XXXX by XX/XX/2021. 
We settled the mortgage and purchase of the home on XX/XX/2021. At settlement, Truist did not include my payment to XXXX XXXX XXXX as part of my closing costs. By doing so, Truist increased my closing costs above the legal limit, did not account for it, and avoided giving me the required credit of {$7400.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent Transunion copies of my Driver Licences and social security card, I am not sure why they won't remove the wrong name on my account, This is terrible that I even have to go through any of this. I don't care what anyone else have reported to them. it's not the correct spelling of my name, and I want it removed.
Product: Debt collection

XXXX is reporting false information and has not been updated since 2018. This debt is not owed and is not reported on either of the other credit bureaus.
Product: Credit reporting or other personal consumer reports

I have sent numerous letters to your office about my situation as an identity theft victim, but my concerns remain unresolved. I am once again contesting the fraudulent information damaging my credit file. Despite my submission of the required FTC complaint, your bureau continues to report these fraudulent accounts on my credit report. I want to emphasize that I have already contacted the banks associated with these accounts, submitted the necessary documents, and had the accounts promptly deleted from their records. 

Moreover, other credit bureaus have already removed these accounts from their records following the submission of the FTC complaint. Therefore, I am curious about the verification process your bureau employed to continue reporting these fraudulent accounts. 

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

I have been a victim of fraud on XX/XX/XXXX, there has been a discover credit card opened with my name and SSN for {$1500.00} and I was never aware of it until XXXX of XXXX and I contacted discover several times to dispute this credit card that I have no affiliation with but they still report as I'm responsible for it please contact discover bank and dispute this account
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2017, I was stated to have missed 11 student loan payments because I had 11 different student loans from them at the time. It was stated that all 11 payments were 90-119 days late. This is not true. XXXX operates in a way that you pay a certain amount each month which THEY, not the individual making the payment, spread across the various loans that you have. That means that I only missed the 1 payment and not 11 separate payments. It also does not add up that the " 11 payments '' were all that late considering that every months payment after that was perfectly on time so I would not have had anything left to catch up on. I have contacted XXXX and they had me file a dispute but the dispute simply said that they found nothing incorrect. After calling them multiple other times, they then said that the issue was with the credit reporting agencies. I tried to contact XXXX, Transunion, and XXXX  to see what they can do but I have yet to get any answers about what can be done.
Product: Money transfer, virtual currency, or money service

I have recently been trying to send a bill payment via western union for the last 3 months and have had the same issue with failed response from all agents at XXXX, including closing my case number without resolve. The service worked fine for over a year for me but recently has failed. My last case # was XXXX. XXXX XXXX XXXX are my identifying profile items. 
Every time I go to pay the bill the code of XXXX or XXXX show sup with comment " change can not be processed '' I have gone to over a 8 locations with the same result on the vendors screen. I than call XXXX and they tell me its a vendor issue. The vendor calls them and than XXXX tells me to call them. The circle never stops which is why I opened a case number. I would like this issue resolved so that I can continue to pay my chase bills at the grocery store with XXXX. I have even tried to the XXXX app with the same result.
Product: Checking or savings account

I opened a Wells Fargo personal savings account on XX/XX/XXXX with a cashiers check in the amount of {$240000.00}. I took this action because the bank offered a savings rate of 2.08 which was much higher than other banks. About a month after I opened the account I stopped in the branch where the account was opened because I had not received my first statement. I received a statement from branch personnel and noted that I was credited with interest in the amount of {$210.00} for the period from XX/XX/XXXX to XXXX. To confirm that the interest calculation was correct I did my own calculation which was as follows : {$240000.00} X 2.08 which results with the amount of {$4900.00}. Then dividing that amount by 365 days I derived a daily amount of {$13.00}. I then multiplied that amount by 17 days ( XX/XX/XXXX to XXXX  and the result was {$230.00}. My calculation is {$13.00} less than Wells. I have had several conversation with Wells branch mgmt. and personnel with no resolution. And two weeks ago this matter was referred to the corporate Resolution team and have heard nothing from them either. My greatest concern is how many other new Wells Fargo customers are being affected. Given Wells recent reputation anything is possible.
Product: Credit card

Dear Golmad sachs bank usa I, the consumer and natural person, was denied credit by Golmad Sachs bank USA when I applied for a credit card Adverse action against a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act which is codified in 15 U.S.C 1691c and is pursuant to civil liability under 15 U.S.C 1692k.

You are subject to criminally liability for violating 15 U.S.C 1691 as I have proof that i was discriminated against by Golmad sachs bank usa due to the response I received.

Golmad sachs bank usa is in violation of 15 U.S. Code 1642, U.S.C 1681m and 12 cfr 1002 because I, the consumer, made an application in good faith, but credit was not issued.

Furthermore, because my social security number ( credit card ) was used and i received NO benefit. This is proof of fraudulent activity ( unauthorized use of credit card ) on behalf of Golmad sachs bank usa If Golmad sachs bank usa fails to make any reasonable procedures to resolve this matter and compensate me for the use of my credit card I will indeed make Golmad sachs bank usa criminally and civilly liable for all actual damages pursuant to 15 USC 1681n and 15 USC 1681o.

I will also follow up with an invoice for said violations ( { {$10000.00} } per violation ). 
Thank you, XXXX : XXXX XXXX XXXX Agent/Beneficiary ] Without Prejudice, All Natural Inalienable Rights Reserved
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX and TransUnion to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXX  XXXXXXXX XXXX Balance {$0.00} ; XXXX XXXX XXXX XXXX Balance {$0.00}.
Product: Credit reporting or other personal consumer reports

It has been 30 days from the time of my complaint number XXXX and I have not received any written communication from this agency.
Product: Credit card or prepaid card

I applied for a preferred master card with citi bank. And was denied based on my XXXX  credit report. And I don't agree with there decision. My report look good and I was denied based on my race. The application number is XXXX I have a XXXX credit sore and I owe XXXX on a store card. I would like a better redecision with pull my credit fie. Best XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This account was current and resolved and was supposed to be deleted over 30 days ago please delete this account the XXXX XXXX XXXX # XXXX it is not accurate. 
I have request the company send out the XXXX  FORM to remove this account asap.
Product: Credit card

I wrote XXXX XXXX XXXX about how every penny of my {$180.00} Balance is Fees, after our full payment was credited JUST 6 HOURS LATE in XXXX as we made our payment at XXXX on it's due date. This is so unnecessarily stressful and a very punitive business and trade practice. 

As a result we were charged a Late Fee of {$29.00}, then {$31.00}, then {$40.00}, and then another {$40.00}, and then another {$40.00}, and then another {$40.00}, while we made many calls and e-mails over time to try to clear this up. So now every penny of our outstanding balance is Not for purchases owed, but instead for just these Late Fees, and interest on top of those -- every penny. We shouldn't have to pay the current total of {$180.00} because we were just 6 hours late on our XXXX payment. Please Help. Thank You.
Product: Credit reporting or other personal consumer reports

I am reporting an issue regarding my auto loan account with Credit Acceptance Corp, account number XXXX. 

Date Opened : XX/XX/XXXX Last Payment Date : XX/XX/XXXX Status : Paid, Closed ( as of XX/XX/XXXX ) I paid off the loan in full in XX/XX/XXXX. Despite this, Credit Acceptance Corp has been inaccurately reporting a repossession on my credit report for 52 consecutive months, which has significantly harmed my creditworthiness. The account was marked as paid and closed in XX/XX/XXXX, but the derogatory marks continue to appear monthly, impacting my ability to obtain credit. 
I have contacted Credit Acceptance Corp multiple times regarding this issue, requesting the removal of the inaccurate reporting. However, they have failed to take any corrective action. The continued reporting of this repossession is not only inaccurate but also violates the Fair Credit Reporting Act ( FCRA ), specifically Section 605 ( b ) and Section 623 ( a ) ( 1 ) ( A ), which mandate that only accurate information should be reported. 
I am seeking your assistance in resolving this matter and ensuring that Credit Acceptance Corp corrects the inaccurate information on my credit report.
Product: Vehicle loan or lease

Hi my name is XXXX XXXX, I purchase a used XXXX XXXX from a Dealer and the Financial institution that I use for the lease is MotoLease I was already approve for other motorcycle but end up finding a one of my dreams so I decide to ask Motolease to finance the XXXX. i contact them with the owner of the XXXX who has a dealer. I give the dealer {$1500.00} cash because they where selling me the XXXX for {$9600.00} and with the dealer fee, registration and plate well they say the you will finance {$9000.00} and the contract that I saw and sing was for 3 years or payoff {$9000.00}. OK, like a week ago I received a notification about my credit report when I look up its says New MotoLease auto loan well I fallow the steps and when in to that exact report and read that MotoLease Loan is for {$18000.00} the double of the price and the contract that i sign. i call them they says they have the contract sign but Im sure I read what the dealer guy print and there was nothing about % 100 interest and the lady who answer my call say that it was base on my credit and my credit by the time was XXXX fico score. I tell her no body will accept that deal if knowing that the bike worth half of the loan they make. So what I want here that they do a fair deal because these is abusive and {$18000.00} 5yrs is ridicules fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Midland Credit Management is a debt collection agency which appears to have purchased a debt ( with my name on it ) where the last date of activity on the original account has been more than 7 years ago. There has been no verbal activity, like a payment arrangement or acknowledgment of the original debt, They ( XXXX XXXX XXXX ) are now illegally reporting negative information to credit reporting agency ( e.g., XXXX, XXXX XXXX, XXXX, or XXXX ),
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, Upon looking at my credit report i see an inquiry was made on XX/XX/2018 and XX/XX/2018 from XXXX XXXX XXXX I did not authorize this inquiry and don't recognize or have any relationship with discover. I Have a security freeze on all my credit report which require anyone to verify with me with me if anyone is attempting to use my Social security before opening any new account. I am asking that this inquiry be removed from my report immediately. Thank you.
Product: Checking or savings account

On XX/XX/XXXX I placed an order for rallys on XXXX. Got my order and half of it was missing or made wrong. XXXX wouldnt credit me even tho I sent them pics of my food and message them as soon as it was delivered. I disputed with my bank and they credited me on XX/XX/XXXX for {$11.00}. today now they are saying its valid even though I didnt receive all my order and the part I did get it was wrong. I have sent them the chats between me and XXXX  so they could see that I did report it and my issue and that XXXX wouldnt credited me. I should not have to pay for something that I didnt receive all of and wasnt even made right.
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 U.S.C 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has XXXX my rights! 15 U.S.C 1681 section 602A. States I have to right to privacy. 15 U.S.C 1681 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 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

This is my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. 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. 
The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NY XXXX, XXXX XXXX XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have previously disputed with the credit bureaus to delete inaccurate information that is reflected on my credit reports. To date, to no avail. The following information should be deleted from my credit reports : XXXX : Delete Also Known As : XXXX XXXX Delete Addresses : XXXX XXXX XXXX, XXXX XXXX, TX XXXX & XXXX XXXX XXXX. XXXX . XXXX, XXXX, TX XXXX XXXX : Delete : XXXX XXXX XXXX, XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX De XXXX, TX XXXX XXXX XXXX  XXXX XXXX , XXXX  XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX XXXX XXXX XXXX, XXXX, TX XXXX Transunion : Delete : XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX. # XXXX, XXXX XXXX, TX XXXX
Product: Credit card or prepaid card

On XX/XX/20, I received a text message from Peoples United Bank asking me if I had tried to use my debit card for a purchase at a XXXX XXXX station. While I had not used the card at that station, I occasionally give the card to my son for car maintenance or gas purchases and thought this was a purchase made by him with my card. The aforementioned text message from the bank DID NOT indicate the location of the purchase - a very important fact in my situation. On XX/XX/20, I noticed a charge of {$100.00} on my card at a XXXX XXXX in XXXX, Indiana. Another charge of {$100.00} at the same XXXX XXXX station appeared while I was trying to reach the Customer Service line for Peoples United Bank. I finally got through to the customer service line and talked to a lady named XXXX. I explained the situation to her in detail and while I was talking to her another charge for {$100.00} appeared on my account from the same XXXX XXXX station. At the time of that conversation all three charges were listed on my account as pending. She indicated the charges would be blocked and that the card had already been blocked. Subsequent to my conversation with XXXX, I filled out a claim form and submitted the information according to the procedure stipulated in the form. On XX/XX/20, I received a form letter from the bank indicating they were denying my claim and were considering the charges 'authorized '. Somewhat in disbelief, I called the Customer Service line again, this time speaking to a lady named XXXX and she indicated she would ask her 'team ' to review the file again. On XX/XX/20, I got another form letter stating that they considered the charges 'authorized '. It is incomprehensible to me that this bank could under any form of logic or reason, consider THREE charges for {$100.00} each on the same day at a station in XXXX, Indiana ( a place to which I have never been ) could be 'authorized '. In considering these charges authorized, the bank is insinuating that I have made a fraudulent claim - and I take offense to that!
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit Bureaus stated XXXX XXXX XXXX, was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal. They also violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish an account without my written instructions.

I havent given these accounts written permission to furnish these accounts on my credit report.
Product: Money transfer, virtual currency, or money service

In USA the transfer fees is {$15.00} This XXXX bank abuse the system and each month I pay 11 % or Euro XXXX and this is an abuse after colecting another Euro XXXX in XXXX So far the own me over Euro XXXX Deutsche Bank that now is involved in laundering money legal cases try to recuperate the penalties fees with massive transfer fees and very low excenge rate. My name is XXXX XXXX and since XX/XX/XXXX I am collecting my pension from a XXXX Company XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( XXXX ) My pension from XXXX is Euro XXXX. In XXXX there is collected a commission of Euro XXXX. Deutsche Bank XXXX transfer to NY Euro XXXX. Deutsche Bank will take in NY another commission of Euro XXXX so the amount received is only Euro XXXX. The rate used to exchange it in US is XXXXEuro = {>= $1,000,000} so for Euro XXXX I got {$270.00}. In XX/XX/XXXX the payment is very late and I can never count on it but there is an exchange rate of XXXX Euro = {$0.00} OR 26 % COMMISSION. For XX/XX/XXXX the real and official exchange rate was Euro XXXX = {$1.00}. The rate used by Deutsche Bank NY is Euro XXXX = {$0.00} and this is another abuse. Today XX/XX/XXXX the rate is Euro - {$1.00} and the rate used for my transfer after all fees taken is XXXX   Euro - {$0.00}!!!!!!! I consider that the abuses of Deutsche bank with no respect for the fact that operate inside USA. collects illegal In my situation Euro XXXX that is a lot of money taken from my pension. Now a commission of 26 % of my monthly payments of Euro XXXX taken by Deutsche Bank XXXX and Deutsche Bank USA!!!!!. If all banks in USA used only a flat fees of {$15.00} why Deutsche Bank NY is allow to abuse people from XXXX. When you call them they ignore you. When my banks called them they ignore them too. Deutsche Bank abuse inside USA the transfers to American People by charging 11 % commission for international transfer fees. Since they take a commission in XXXX of Euro XXXX and another one in USA. of Euro XXXX for each XXXX   International Transfer. In USA the legal transfer fees commission is {$15.00} for all Institution except for Deutsche Bank NY that collect 11 % commission which is illegal and abusive. What is interesting is the fact that the XXXX regulator XXXX has released a damming report into regulatory and compliance failures regarding benchmark rate rigging. Also it is not clear if this Abuse has anything to do with Deutsche Bank scaling back US operation???? Also is not clear if this is in retaliation to Department of Justice seeking a XXXX XXXX settlement amount that is bigger then Deutsche Bank market capitalization???? Lets take a transaction from XX/XX/XXXX and I will explain what is going on. XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX : DEUTSCHE BANK XXXX, XXXX XXXX XXXX XXXX : XXXX XXXX , XXXX XXXX NY XXXX XXXX US*XXXX : XXXX/XXXX. XXXX USDXXXX : /XXXX/XXXX   IXXXXTIME:XXXXXXXX REF : XXXX REF :XXXX On the US {$290.00} and on top there is another {$15.00} and the left over amount is only {$270.00}. This extra commission of Euro XXXX started on XX/XX/XXXX.