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

I have reached out to TransUnion XXXX and XXXX and have disputed items with them informing them that it was identity theft. They did not send me any information informing me that anything was accurate and things remain on my consumer report. They refuse to delete it. According to 15 US Code 1681 I did not give permissible purpose or for any of the following to be reported on my report. I have the right to privacy. I have not signed anything giving anyone the ok to publish my information on my credit report. This needs to be deleted at once. 
XXXX XXXX XXXX who claims they do not report to the credit bureaus. 
XXXX XXXX XXXX XXXX XXXX XXXX  and XXXX XXXXXXXX XXXX XXXX  and XXXX XXXX XXXX XXXX  these items need to be removed at once
Product: Vehicle loan or lease

My vehicle was repossessed on XX/XX/year> After multiple notices to company that vehicle has been paid in full! Company failed to provide written notice that vehicle will be repossessed!
Product: Mortgage

After purchasing my home, for over two years I was with my original mortgage company, and was not late one time in payments due to being able to use automated payments with online banking. In the XX/XX/2016, I received notice my mortgage was purchased by LoanCare LLC. When the time was right, I changed the payment address through online banking and paid XXXX payment. Seeing that this went through just fine, I had not seen there was an issue, and when XXXX payment came due, it was paid via online banking automatically. This payment was made XXXX/XXXX/16. It was n't until the first week of XXXX, well past the due date, that I became aware the XXXX payment was not accepted. Rather than notifying me of this, they returned the payment to my bank account XXXX/XXXX/16, and stated I was late for XXXX. I was given no reason, and had to reach out to them to find out. In order to be sure the payment was made, I used LoanCare 's online payment to pay XXXX. I received notice that my account number had changed which is why it was not accepted. Oddly, it was accepted for XXXX payment but not XXXX with no fair warning as to why, and no help notifying me to be sure to change my account number if paying by check. That being said, I changed the account number with my banks online payment in time to make XXXX payment. But, unfortunately, the problem happened again. And even though I had been watching closely, I had assumed it was accepted since the money withdrew from my bank 's account. Sadly, not the case again. This time my payment was not returned to my bank account until XXXX/XXXX/16 well after the XXXX deadline. I sent an email right away to find out what happened, and to this day ( over 1 month later ) I have not received a return message and still do not know why XXXX payment was not accepted. Rather than use my online banking, I 've decided to use LoanCare 's website to make the payments since I know this will work. But, the real reason I am writing this complaint is that I received notice that my credit is now over XXXX points worse ( from Excellent to Good credit ) because of these supposed late payments. Again, I had excellent credit for a reason. My only fault was thinking I could make payments with my online banking, and have found out this was not the case. I tried to dispute the this via XXXX but, today learned it was updated but still showing XXXX payment as late. Thank you for your time.
Product: Credit reporting, credit repair services, or other personal consumer reports

i did check my transunion  i seen alot inquiries i didnt even authorize
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
Product: Checking or savings account

Got hacked or something and someone used my BOA checking to XXXX XXXX $ and I contacted the bank but they denied it.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is misreporting my transferred mortgage to Equifax. The mortgage was transferred to XXXX bank, which is reporting the account correctly. This error is hurting my credit and making it difficult to open new lines of credit.
Product: Credit reporting or other personal consumer reports

I am writing to formally request your assistance regarding an inquiry that appears on my credit report, which I believe was made in error. 

I recently applied for [ insert loan/product/credit ] with [ Name of the Company ], and despite being denied, I did not receive a proof of application, acceptance, or denial letter as required by [ specify relevant regulations, e.g., FCRA ]. I believe that this situation has resulted in an inaccurate credit inquiry being recorded, and I would like to request that it be removed. 

Details of the inquiry : Date of inquiry : XX/XX/year> Company making the inquiry : XXXX XXXX XXXX Type of credit sought : Loan Reason for denial : unknown I kindly request that the CFPB investigate this matter and help facilitate the removal of the inquiry from my credit report. 

Please feel free to contact me if you need any further information or documentation to support my claim. 

Thank you for your time and attention to this matter. I look forward to your prompt resolution.
Product: Credit reporting or other personal consumer reports

I appreciate your time to REMOVE some of the items in my file that resulted from a false credit reporting but I still have ITEMS left that needed to be removed. Despite submitting FTC report # XXXX, these items remain unresolved. Since it is a requirement by law 605b of the FCRA If you choose to not remove the following items listed below which are reporting inaccurately due to incorrect credit data, I will be handing my documents over to my attorney to start a legal action. Its not my intention to pursue any legal action so please adhere to the law Attached here was my new FTC report # XXXX. Please remove the following items as they are erroneous credit report details & were opened without my consent or knowledge : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$28000.00} - XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Owed : {$150.00} XXXX  XXXX Balance Owed : {$13000.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX -- EQUIFAX : XXXX XXXX  Date Opened XXXX XX/XX/XXXX XXXX Balance Owed : {$28000.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$150.00} XXXX  XXXX Balance Owed : {$14000.00} XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX -- -- -- -- -- -- XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX  Date Opened XXXX XX/XX/XXXX XXXX Balance XXXX : {$28000.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$150.00} XXXX  XXXX Balance Owed : {$13000.00} XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX. If you claim these items are 100 % accurate and verifiable then I need you to provide me with copies of any documentation associated with these items which bears my signature, as I know none exists. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. Please note that you have 4 business days to remove the reporting of any items in my credit file that resulted from an alleged identity theft. I do not consent to XXXX or any means of automated verification.
Product: Credit reporting or other personal consumer reports

i was in the hospital for XXXX months with XXXX, hmissed XXXX XXXXXXXX and i only missed XXXX payment
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed the following accounts by mail and online with each of the bureaus. Still, none of these bureaus are reporting the disputed accounts accurately. Furthermore, addresses that do no belong to me are reflected on my reports and must be removed. 

XXXX XXXX XXXX XXXX This account was paid in full, yet XXXX is reporting this aspect clearly. The account was never a charge off/collection. The date of last activity is reported inconsistently across each bureau Transunion says XX/XX/XXXX, XXXX says XX/XX/XXXX XXXX  says XX/XX/XXXX. Payment status is also inaccurate and mischaracterized when it should read, PAID. So, how can they each respond the account is reporting accurately, yet be reporting all kinds of inconsistent info? 

XXXX XXXX XXXX XXXX This account was paid in full, yet XXXX  is reporting this aspect clearly. The account was never a charge off/collection. The date of last activity is reported inconsistently across each bureau Transunion says XX/XX/XXXX, XXXX says XX/XX/XXXX and XXXX says XX/XX/XXXX. Payment status is also inaccurate and mischaracterized when it should read, PAID. So, how can they each respond the account is reporting accurately, yet be reporting all kinds of inconsistent info? 

XXXX XXXX monthly payment amount, term, payment status and date last active are contradictory and inaccurate. How can each bureau be reporting completely variable information if they claim the information was verified? 

XXXX XXXX account status, monthly payment, terms, payment status, comments and date last active are completely different from each other, again, inaccurate and misleading. 

According to Fair credit reporting act, the reports should be 100 % accurate and if not, the inaccurate information must be removed. I have attempted to resolve these issues with each bureau who FAILED to comply with the law.
Product: Credit reporting or other personal consumer reports

R

equest for Security Freeze on Credit Report To Whom It May Concern : This letter is to formally request a security freeze on my credit report. I am concerned about unauthorized access to my personal information and would like a security freeze placed to prevent potential creditors from obtaining it without my authorization. With a security freeze, a temporary PIN will be required for anyone to access my report. My personal information is as follows : Full Name : XXXX XXXX XXXX Date of Birth : XX/XX/1968 Social Security Number : XXXX Current Address : Address : XXXX XXXX XXXX XXXX XXXX Florida XXXX For verification purposes, I have enclosed photocopies of the following documents : Government-issued ID Proof of residence Please send instructions on how to obtain a PIN to temporarily lift the freeze in the future.

Thank you for your prompt attention to this matter. I look forward to confirmation of the security freeze on my credit report. 

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

EQUIFAX SENT ME A COPY OF THERE INVESTIGATION RESULTS XXXX. THEY DID NOT VERIFY THIS ACCOUNT.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is in violation for reporting inaccurate information on my credit report and not following the law specifically 15USC 1681b ( a ) ( 2 ) In regards to these hard inquiries by XXXX XXXX XXXX XXXX. 
XXXX ) XX/XX/XXXX XXXX ) XX/XX/XXXX XXXX ) XX/XX/XXXX XXXX ) XX/XX/XXXXXX/XX/XXXX
Product: Student loan

I want to pay my student loans back, however, the payment that they are asking me to pay is very high. I will not be able to eat ; I have to have a car to get to work in order to pay them. 
Also I have student loans for my children, whom I helped to get a higher education.
Product: Debt collection

I had a collection account with National Credit Adjusters for a account with XXXX XXXX. The amount owed was {$4000.00}. XXXX XXXX contacted me and said that they now owned the account so I settled the account with them. The account has been settled paid in full. NCA will not stop calling me even after disputing the account as paid. They are telling me that I still owe them on the account. I have a paid in full letter from XXXX.
Product: Credit card or prepaid card

On XX/XX/2021, Synchrony Financial closed ALL my open accounts ( 5 ) with them, without previous notice, warning or explanation. It was a completely inadvertent action take upon my credit/store cards financed by said institution.

I must add that all my accounts were on a good stance, ranging from low ( <10 % ) to XXXX balances, as well as always having on-time payments and no issues of any kind. 

Trying to get a response or explanation as to why this happened has been unsuccessful and I have not received any letters either up until the date I am submitting this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX. 

Account number : XXXX Account type : Unsecured Date opened : XX/XX/XXXX Status : Open. {$57.00} past due as of XX/XX/XXXX. 

Status updated : XX/XX/XXXX Balance : {$57.00} Balance updated : XX/XX/XXXX This is an inaccurate credit reporting that I don't recognize. I filed a dispute with Experian, XXXX, and XXXX. But for whatever reason it remained on my credit report. They haven't provided any information on how exactly they verified the debt.
Product: Checking or savings account

I am trying to reconnect my bank, PNC Bank, to the XXXX app on my phone but it tells me that my bank has made changes that does not allow them to connect to my account anymore. So it suggested that I try reporting that and filing the complaint. I need this app to have access to my account so that i am able to receive money deposited in to my account.
Product: Payday loan, title loan, or personal loan

The Energy Information Agency of the US Government reported the other day that natural gas will increase 30 % this Winter plus 10 % for a cold Winter and an additional 10 % in any event because of the skyrocketing cost fo natural gas. 

Then there is the enormous increase in gasoline and the increase in electricity. 

Yet the Bank of America could care less! It demands full and complete payment monthly on my car loan with it! 

It engages in possibly age discrimination as it holds me to the standard of a much younger person who has full-time work. 

The Bank of America personnel in charge out in California has been brutally cruel me regarding a prior application for reduction in monthly car lone payments, even threatening to take my car away from me even though I must have it to visit my physicians! 

This is not a bank! It is an obscenely greedy money machine paying its top people in the many millions of dollars per year plus huge bonus packages! 

A bank without a conscience, that is what the Bank of America is in these respects! 

And it is deception to say it is " The Bank of America '' as if it be a branch of the Federal Government!
Product: Checking or savings account

I can neither Access my Online Capital one 360 Checking Account Nor Fund/retrieve my Account Number and Routing Number, No way of making use of the Account, I have written Countless Feed Backs to Capital One back, but all were in Vain, It is as if, They do not Care about Customer 's Satisfaction.
Product: Checking or savings account

I have had an absolute nightmare with chase. I am a XXXX  XXXX XXXX worker. Chase has made my life a complete disaster the last couple of months. They always give me a different story when I talk to different departments and ask me questions iv already answered many many times before. For times sake I'm going to mention the current problem only. I just moved to XXXX XXXX last week. I was approved for a new checking checking account and decided to mobile deposit an check for XXXX after a business day the funds were available and I went to the bank to withdraw XXXX XXXX Next day I try to buy a window unit of of a third party vendor named Offer Up for XXXX XXXX being that my account is new I didn't have a physical card. so I went to the atm to use my mobile wallet ( which they recommended me to do ) and it was decline for " technical difficulties " the bank were closed so I tried to XXXX the person selling me the window XXXX unit and chase doesn't allow it, says it needs review. I give it to next morning and chase restricts my account. I can't even sign on to view my accounts. I call and spend way to much time to get the instructions to visit the branch to verify identiity. this also took way too long but they requested my rent agreement and XXXX to be scanned in by a banker only. 6 hours later we call back and they STILL haven't received any documents and then tell me I won't be able to get the restriction off even when they do get the proper documents because of some algorithm someone did to my account. The " : loss prevention " was telling me something about suspending my funds. 

Mind you this is just the current situation, things have happened like I've been at pets mart picking up my yorkies from the groomers in XXXX California and couldn't pay because chase randomly closed my card because of identity issues. They kept me being able too physically in person. withdraw funds bevsue the teller didn't know how to deal with out of state customers, they made me late on rent and deposits for new housing, And now they are restricting funds from a Check that was deposited into a new account and I'm suffering in blazing temperatures because I CANT ACCES MY OWN HARD EARNED MONEY. THIS HAS HAPPENED WAY TOO MANY TIMES. as soon as I get a chance I'm withdrawing every single XXXX and never ever looking back at the horrible Chase bank.
Product: Debt collection

We fell into financial hardship in XXXX of 2017. I am behind on my mortgage payments but I have been making partial payments to try and get caught back up. Sun Trust Mortgage knows my situation but they are continuing to make phone calls up to 5 times a day to the number provided. Obviously, someone 's financial situation does not magically change in just 2 hours between the phone calls. I have informed them of our situation numerous times but they continue with the calls. Like I state to them ... I am keeping the home and I will continue to make partial payments as I can financially afford them. I very much need to keep my home, and I am doing the best that I can to get caught up.
Product: Bank account or service

I used my debit card to make a large purchase for a laptop on Saturday ( XX/XX/XXXX ). Due to communication, me not understanding the limits on the card we ( the store and I ) agreed to cancel the transaction to get that information sorted. However, during the transaction my card was run through. My account was debited 1200 dollars in less than a minute. Since the daily limit is XXXX ( and I do n't have an extra XXXX floating around to accommodate the bank ) I was unable to make my purchase that day. I could have lived with that but now it is Wednesday and that transaction is still pending. If it had been an emergency I would have been completely stuck. 
I contacted Wells Fargo and they told me i would have to wait 3-5 days. My concern is that there is n't going to be any further communication from the merchant since it is an incomplete transaction. In previous dealings I have seen ligitiment transactions sit for weeks and they have blamed the merchant. Regardless of when or if it clears they should not be able to let transactions sit like that. 
Additional note ... I have been taking screen shots of that transaction daily. Everyday it is in pending the date changes which makes it appear as if it has been there for 1 day. This is deceptive.
Product: Debt collection

I noticed a collection account on my credit report for a fitness membership I never had nor have ever been to. I have received no notice about the attempt to collect this debt either written or otherwise. I ask that the company cross reference the name/SSN and/or provide required written correspondence to my at XXXX. Thanks.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Acct # : XXXX... 
Balance is incorrect - Shold be XXXX Dates are incorrect
Product: Credit card

On XXXX/XXXX/2016 I opened a Sears charge with citiusa, I bought my merchandise and received the card 2 weeks later. Set up online account. Logged in to pay bill had a " call there is an issue with account '' Fraud alert spoke with Fraud department. XXXX/XXXX/16 they pulled credit report without permission. Again on XXXX & XXXX called about " Fraud alerts '' on account due to messages on the account called again and both times they have inquired on my credit AGAIN W/O permission!
Product: Credit reporting, credit repair services, or other personal consumer reports

i've contacted the credit bureaus several times and i have spoken with the supervisors at the bureaus XXXX, XXXX, and equifax and the negative fraudulent accounts are still reporting on my credit reports ... below are the negative accounts that i demand to have deleted immediately or i will be forced to pursue legal action : XXXX XXXX XXXX-XXXX XXXX XXXX ( Original Creditor : 12 XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : 08 XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I called and spoke to several different representatives, and was told different information each time. I was told XXXX  by XXXX that they had everything they needed but it would take 4 weeks to get the funds back to me. I have been out of my home since XX/XX/XXXX of this year. I have the contractors ready to start and Gregory Funding is keeping me from getting back in my house this year. I have paid my payments on time and I am very frustrated. I really feel that Gregory Funding is only looking out for them as I have been out placed for 5 months. I would like for them to speed up the process where I can get into my home by the end of the year.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 30 day late payments on my credit report and have tried to dispute it but. I keep getting blown off. I sent the first letter requesting back up for the bad information that was on my report and waited 30 days no reply then I sent a second registered letter waited anouther 30 days for a response they sent me some letters that had nothing to do with what I asked for. they ca n't do what ever they want they need to abide and required by law, under the FCRA, to have properly verified the accuracy of an account listed on my credit report. they recently replied and said in the results of your first re-investigation, that you verified that these items are being reported correctly. 
formally requesting the following : 1 ) Where are the documents that you used to verify these accounts? 
2 ) What is the name of the person in your company who verified these accounts? 
3 ) What documents did they use to verify them? 
4 ) Please provide me with the name of that individual, their business address, and telephone number.