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

I have a problem with not changing or updating my documents with XXXX and TransUnion!!! 
Not showing up on the internet screen when companies do an credit report!! 
They see derogatory information when I'm receiving 10 documents being deleted, it's been a long XXXX XXXX and XXXX and TransUnion still hasn't updated, the internet correct updates that deleted all the negative information!! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX CBNA/XXXX  XX/XX/XXXX XXXX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX/XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX These companies have ran my credit forcefully without my consent and it is bringing me down I was going through a divorce and ask them not to run only to find out that they did anyway against my wishes
Product: Payday loan, title loan, or personal loan

I borrowed {$7600.00}. I've made payments totaling {$6500.00} since XX/XX/2019. I've just recently inquired as to my remaining balance. It is {$6800.00}. I re-reviewed my loan contract and the terms are very different from what I signed up for. Here at the listed terms. 


APR 57.81 % Finance Charge {$15000.00} Borrowed amount {$7600.00} Total payments {$23000.00} I reached out with no response.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, there is numerous credit inquires on my Transunion credit report that I did not authorize nor did I apply with those companies listed, I have filed complaints with Transunion directly and their customer service is rude and refuse to help me. I have sent letters to TransUnion Consumer Solutions, XXXX. XXXX XXXX, XXXX, PA XXXX, three times now and have never received any reply back. I am soon going to file a lawsuit if they do not correct my report. Below are a list of inquires that I have never applied or did business. 

XXXX/XXXX - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX/XXXX  - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX
Product: Checking or savings account

I receive regular checks from a person who has a personal checking account with Bank of America. I usually go into Bank of America to cash these checks. Today, XXXX/XXXX/17, I had 2 checks to cash and was told there is now a new Bank of America policy that charges the check holder, me, an {$8.00} fee per check cashed. The check amounts were {$250.00} & {$600.00}. {$16.00} to cash 2 checks? This seems like extortion to me. I find a fee to get money that is yours is not justifiable and should be illegal. Banks can make enough money from all of their deposit accounts and account maintenance fees that they should not legally be able to charge someone for cashing a check drawn upon that financial institution, especially with checks of small amounts like these.
Product: Money transfer, virtual currency, or money service

Hello, I went to deposit USD from my coinbase account from coinbase.com, to my bank account as im low on money. They charged me instead of giving me the XXXX dollars, making me overfraft, and the money that was taken out is not showing up on the app now! Im super frustrated and out of options and I could really use some help. They took my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I pulled my consumer report from Trans Union. I noticed that there is blatant disregard of my personal right to privacy. There are multiple inquiries, accounts, phone numbers and addresses listed. This is evident unauthorized use of my Personally Identifiable Financial Information. I did not give Trans Union authorization or consent to report or publish any of my private Personal Identifiable Financial Information. 

Trans Union LLC v. FTC, 295F.3d 42 - Court of Appeals , Dist. of Columbia circuit 2002.
Product: Debt collection

XXXX XXXX XXXX claims Wells Fargo account ending XXXX was closed and balance in the amount of {$190.00} waved. Previously, XXXX XXXX XXXX advised Wellls Fargo would reach out in re, no one from Wells Fargo reached out, has not indicated balance waved. As stated prior, the account ending in XXXX was opened by Wells Fargo reps which I did not authorize, a debit card purchase in the amount {$290.00} was made from XXXX, purchase was never received, item was shipped via XXXX with a forged signature, signed as XXXX, in which case, I never sign my name like this. Wells Fargo accepts forged signature as true and correct, despite forgery. Two external funds transfers in amount of {$50.00} brought the balance to {$190.00}. XXXX XXXX XXXX claims Wells Fargo waved balance, however, I have no verification of such or refund of difference in amount of {$100.00}.
Product: Credit reporting or other personal consumer reports

I appreciate you trying to update and repair some of the data on my credit report, but some accounts still need to be fixed. The 3 Credit Bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be fixed as soon as possible. 
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 XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 -ACCOUNT NAME : XXXX XXXX XXXX XXXX, Account Number : XXXX -Account Name : XXXX XXXX XXXX, Account Number : XXXX -Account Name : XXXX XXXX XXXX Account Number: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.

15 U.S.C 1681c. ( A ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

My Name is XXXX XXXX, I have been a victim of identity theft. I have dealt with this haunting issue for almost 10 years or so. 
In XXXX my information was breached due to a local medical facility called XXXX not securing medical records in a proper manner. Someone managed to open up a XXXX XXXX account and order phones which was finally Deleted from my credit report about 2 months ago. 
This same person managed to open up a XXXX XXXX credit card ( Account # XXXX ) in XXXX of XXXX and even managed use of it and made payments. I suspect that it was someone in my city because I never received a card or anything related to it. I tried to dispute this with XXXX  XXXX but they kept saying that the card was mine, I filed reports with the FTC and directly with XXXX, XXXX  and XXXX. 

I also had bank accounts that were opened in my name which the banks were able to close once I disputed and provided proof. XXXX XXXX XXXX and XXXX XXXX  and XXXX XXXX XXXX. All of these accounts were deleted successfully from my credit reports except for XXXX which is still on my XXXX. 

I also had a card fraudulently opened from XXXX XXXX XXXX ( Account # XXXX and, one in XX/XX/XXXX and one in XX/XX/XXXX. 

Finally, the most egregious one was opened in XX/XX/XXXX with Barclays ( Account # XXXX ). this card had the highest credit limit. I need these issues resolved because it has lead to all sorts of issues in my life. 
Ive tried to dispute these with the proper authorities and the companies themselves and Im not sure what kind of information they have but I assure you these credit lines are not mine. 

Attached is the report I filed with the FTC Back in XX/XX/XXXX to have these items removed from my credit report. 
I have also attached my Social Security card and Florida Drivers license. 

At this point I am Disputing the following : Barclays XXXX ( XXXX & XXXX ) XXXX XXXX XXXX ( XXXX  & XXXX ) XXXX XXXX XXXX ( XXXX  & XXXX ) XXXX XXXX XXXX ( XXXX  ) Respectfully, XXXX XXXX XXXX XXXX XXXX CT, XXXX XXXX XXXX FL XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am concerned about the validity and accuracy of your recent investigation about the account listed below that is reporting on my credit report. I requested an investigation because I felt the item is not being reported legally. I received a letter stating that your investigation was complete. Please explain to me how you conducted your investigation? 
XXXX XXXX Balance : {$0.00}
Product: Debt collection

XXXX XXXX XXXX is demanding payment of a debt that is not mine [ MONTGOMERY WARD {$2700.00} XXXX XXXX XXXX  ]. The debtor is listed as XXXX XXXX with an address of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Last year XXXX attempted to collect on a medical debt for this same individual. I am not the person responsible for this debt and this debt does not appear on any of my three-bureau credit reports.
Product: Credit card

I received a billing statement from a Concora Credit for an Indigo credit card. The bill reflected that I owed them {$170.00} for an annual fee and an additional {$2.00} for " credit protection fees ( Please note that there were no other charges on the statement and the payment due date was listed as XX/XX/2024 ). The bill reflected an annual rate of XXXX XXXX! However, I never signed up for this credit card nor did I ever receive a credit card in the mail from them. I did call them and tried to get the account closed but they asked for my social security number and I refused to give that to them. They also asked for the account number of the card but that was not on the billing statement so they said that they could not help me. I have since written them and demanded that my account be closed and the account XXXX  out. I also advised them that I would be reporting them to the CFPB- I believe that this firm is scamming innocent consumers and needs to be stopped!
Product: Credit card

XXXX made a purchase at XXXX XXXX XXXX department store in XXXX, mo. Received by XXXX bill. I made a payment from on line banking of {$100.00} to XXXX. Unfortunately I had XXXX accounts with this merchant ; a store card and a Mastercard. XXXX account was closed. The {$100.00} payment was posted to the closed account. In XXXX when I received by bills ( XXXX account had a credit of {$100.00} ) and the other account was delinquent. I immediately called XXXX. They indicated that the seen the issue and they would re-apply the payment to the correct account. I asked if I should make another payment. XXXX replied no. A few days later I received a collection call from XXXX. I explained the issue to the agent, who indicated that the could see what happened, but indicated that there were no notes on the account. They explained that they would re-apply the payment. I asked about my credit and indicated that they would note account and XXXX5 business days, my account she me corrected. A week later I receive an email from indicating by credit had a delinquency reported due to this past due account. I immediately call XXXX again and demand a SupervisorXXXX. XXXX indicates that the notes show me calling in several times and he was unsure why the {$100.00} was not transferred. He removed all the late charges ( so he explains ) and indicates that he will take care of this immediately. He will also make sure by credit is restored. I told him I would like to pay the card in full and close the account. He indicated it would be best to wait until the account is accurate. I agree. He explains that this will be expedited, XXXX5 business days. He also indicated that he will call me when the payment is posted and credit is restored. I requested a letter that would provide me with assurances that this will not affect my credit or me in any way. I am trying to purchase a house and this can effect by interest rate. To date, nothing has happened on my account. I have exhausted every possible means of getting this rectified. I am not sure how to clean up their mistake. I am getting no where. I recently wrote them and was told I need to contact their customer service team .... 120 days and the payment of {$100.00} is still in their possession, sitting in a closed account. I would like XXXX to correct their errors.
Product: Credit reporting, credit repair services, or other personal consumer reports

Currently the FedLoan servicing is reporting two late payments XX/XX/18 and XX/XX/18 for 30 and 60 days past due. I was in a deferment and setting up a repayment plan with them and I have disputed this with them and the credit reporting agencies with no avail. I am trying to purchase a home and these false negative reports are hurting my chance at securing financing
Product: Debt collection

I emailed this company directly on XX/XX/2019 and I already told this company they may not call me or attempt to call me at my work number, yet they did just that on XX/XX/2019 at approximately XXXX a.m.
Product: Credit card

I have a XXXXXXXX XXXX XXXX credit card through wells Fargo. My name is XXXX XXXX XX/XX/, XXXX number XXXX XXXX XXXX XXXX. It was brought to my attention that a checking account which does not belong to me has been being charged. Wells fargo refuses to chargeback that card & allow me to pay back the bank myself. i did not authroize those card payments nor did the person whos account it is. Wells fargo basically told me i have to take it up with my bank but i was never authorizing those charges to be paid with that account since it is not even my account and i never added it to my XXXX credit card. They have not been very helpful and i am open & willing to pay the bank back whatever was charged to this persons account. It has been on going for two months now & i have yet to have a resolution. I tried to be patient but it has been months & they only contact me if i reach out first.
Product: Credit reporting or other personal consumer reports

I XXXX XXXX am a natural person submitting this dispute. This dispute is not being submitted by a third party. I submitted a dispute letter to Experian because they have violated my consumer right to privacy according to the law 15 USC 1681e ( b ) regarding a bankruptcy on file. I submitted a letter addressed from the United States Court that stated that do not report data to the credit bureaus or any third party agencies. Experian has ignored my efforts to remove this information from my credit file. Experian is receiving their information from a third party company ( XXXX XXXX ) and has failed to do their due diligence to make sure my credit report is XXXX percent accurate not negating the fact that they have completely violated my consumer rights to privacy being that Pacer and the United states courts do not verify information and it is the responsibility of the credit bureaus to make sure the information they publish on my credit report isXXXX percent accurate. simply matching a name and part of a social is not verifying information and doing their due diligence..
Product: Credit reporting, credit repair services, or other personal consumer reports

TO WHOM IT MAY CONCERN, XXXX/XXXX/XXXX I SEEM TO HAVE A HUGE PROBLEM WITH PNC MORTGAGE COMPANY. THEY ARE NOT REPORTING TO THE CREDIT BUREAUS OF MY PAYMENTS MADE ON MY HOME AND THIS IS AFFECTING MY CREDIT. I FILIED BANKRUPTCY ON XXXX/XXXX/XXXX AND IT WAS CHARGED OFF ON XXXX XXXX. IN THE BANKRUPTICY IT CLEARLY STATES THAT I WAS KEEPING MY HOUSE AND HAVE BEEN MAKING ONTIME PAYMENTS FOR 3 YEARS AND 6 MONTHS. MY LAST LATE PAYMENT WAS ON XXXX XXXX, XXXX AM DISPUTING THIS. THEY WILL NOT ACCEPT A REAFERMATION AGREEMENT. MY LAWYER DREW UP AN REAFERMATION AGREEMENT AND THEY REJECTED IT BECAUSE IT WASNT DURING THE BANKRUPTYCY TIME PERIOD. I NEVER WAS GIVEN REAFERMATION PAPERS FROM PNC TO SIGN DURING THE BANKRUPTYCY, ENCLOSED ARE THE STATEMENTS FROM PNC MORTGAGE OF MY PAYMENTS MADE. I WANT TO THEM TO REPORT TO THE BUREAUS SO I CAN CONTINUE REESTABLISH MY CREDIT. 
Also. Please check to see if pnc mortgage was charging me interest on my home during this time period during the bankruptcy period! 
Please include credit report if possible!
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive tried to contact XXXX XXXX XXXX ( formally dealer funding ) and they 've denied my request. To Whom It May Concern, Thank you for taking the time out of your day to read this letter. I just pulled my credit report, and discovered that a late payments was reported on XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX for my account [ loan account number XXXX ]. 

During that time, my mother fell XXXX XXXX and I was the only one left to care for her. As such, I had to leave my job, and my savings went toward her healthcare expenses. I fell on very rough times after she XXXX XXXX and was unable to make my car loan payments. 

I realize I made a mistake in falling behind, but up until that point, my payment history with you had been spotless. When I was able to gain employment once again, I quickly resumed paying my student loans, making them a priority. Then i was hospitalized for a few weeks and it cause me to lose another job. 

I 'm not proud of this black marks on my record, its 5 of them, and I would be extremely grateful if you could honor this request to remove the lateness from my credit report. It would help me immensely in securing other lines of credit so that I can further improve my credit score. rebuilding my future. 

If the lateness can not be removed entirely, I would still be appreciative if you could make a goodwill adjustment. 

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

This account was charged off on the following date XX/XX/XXXX XXXX Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : -XXXX XXXX XXXX XXXX XXXXXXXX
Product: Mortgage

The company United Wholesale Mortgage is reporting my private information such as account history to 3rd party agencies, such as the Credit Reporting Agencies XXXX, XXXX, and XXXX which who are all defined as private and not a government agency. I did not receive opt out disclosure or was notified that I can opt out of having my private information shared.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  has been non-compliant with removing the unverified account CAPITAL ONE BANK USA Opened Date XX/XX/2015 which has been deleted by XXXX and XXXX. XXXX and XXXX  have both completed their research and determined that CAPITAL ONE BANK USA was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act the following accounts have violated my rights : XXXX- # XXXX - {$730.00} XXXX XXXX - # XXXX - {$2300.00} XXXX XXXX XXXX - # XXXX - {$3500.00} XXXX XXXX - # XXXX {$3500.00} XXXX- # XXXX - {$1800.00} XXXX # XXXX - Bankruptcy XXXX  XXXX Bankruptcy- Reference # XXXX 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
Product: Credit reporting

This company was contacted twice in writing. Both times they were asked to validate the debt. Specifically they were asked for a copy of the original promissory note, evidence that they are the holders of this promissory note and the identity of the current owner of the account. As they were unable to provide the requested information I requested they delete this account from my XXXX credit report. To date ( nearly 6 months later ), this agency has failed to validate the alleged debt or delete it from my credit report.
Product: Money transfer, virtual currency, or money service

On XX/XX/2022 I see that someone by the name of XXXX was able to send themselves XXXX dollars from my cash app. I inform both cash app and my bank ( XXXX ) about this. Cash App refuses to do anything and my bank, at first, decides to give me the XXXX bucks back. I then receive a letter from my bank on XX/XX/XXXX that they are taking the money back out of my account. After further investigation, Cash App has claimed that I have multiple undisputed transactions with this XXXX person. This is a straight up lie. If you look through my transaction history on Cash App you will find that there is only one transaction with this person. Cash App has lied to my bank during an investigation that resulted in me losing money from a scammer. Multiple attempts at contacting Cash App have been made and they refuse to address the issue
Product: Debt collection

IC systems Inc. is the debt collector Original creditor XXXX XXXX {$4400.00} amount Posted to experian credit report on XX/XX/year> This account is a result of identity theft. 

This account was posted to XXXX and XXXX XXXX XXXX years ago, which I disputed as identity theft and those were removed immediately.
Product: Mortgage

My mortgage bank dose not report every home loan payment I made. I have made 7 payments and they only reported 3 payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting incorrectly that I am ( 120 180 ) days late on the XXXX XXXX - partial account number XXXX. ( Please see pages attached from my credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account that has a {$0.00} balance. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.