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

I had gotten a auto loan with XXXX XXXX in XXXX, and They did repo the vehicle in XXXX for failure to pay. But I have constantly tried to get this company to correct info on my Transunion Credit report where they are stating the account is : 1- Still Open 2- In Collections, Which no one has ever contacted me about this account, 3- Charge-off By this account still showing as open, car dealerships say, it is hard to give me a loan etc. How one account can be listing so many different things I do not know, It should be a Charge-off and closed account etc not all 3.. 
This is how it was listed in XX/XX/XXXXand still listed as of this complaint, Transunion say they can not change it, etc I feel this is now being intentionally done, This company is very hard to communicate with,
Product: Credit card

I filed XXXX disputes through TD Bank credit card for cancelled services from XXXX. 

I disputed a charge occurring on XX/XX/year> for {$80.00}. I won the dispute : XXXX - Claim. 
I disputed a XXXX charge occurring on XX/XX/year> for {$80.00}. I won the dispute : XXXX - Claim. 

Only XXXX of the {$80.00} disputes was credited back to me ; I called TD Bank customer service over XXXX times and they agreed with me, but never followed through in issuing a credit back for the XXXX {$80.00} charge. They seem to have a tech issue in what is being processed through their system. 

Thank you. 

XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

I have an outstanding loan with Fast Bucks in XXXX XXXX, ID. I was a repeat customer and paid off my loan numberous times. 
Due to health problems I had to quit my job. I had a few payday loans out and was in a bad spot. 
All the lendors except Fast Bucks have graciously worked with me and surprisingly didnt charge outstanding interest. 
Fast Bucks on the other hand has been horrible. My initial loan was for {$500.00}, now I owe them {$900.00} something. I called the office multiple times to arrange a payment plan. 
The furthest I got was they promised me a call back from managment, that I still havent had months later. 
They will not work with me. I know i owe them a debt and they will not work with me. They have told me the only way I can pay the loan is in fill or cash payments of at least {$140.00} in person. 
This is ridiculous. Every other collector and payday loan company jas worked with me. I have been contacting and working out my debts with all parties except this company. 
They are a preditory lendor that will not work with you no matter how long you have done business with them, and wo n't take money from you if it 's not enough to them. At this point I could have mad at least {$200.00} in payments, but they will not have it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I send 2 letters disputing inaccurate information on my credit report and they never responded within the 30 days like the law require
Product: Credit card

My payment was XXXX minutes late, so I called and as for the late fee to be waived as a courtesy and the representative refused. I would understand if I was even a day late, but not XXXX minutes late.
Product: Debt collection

I have disputed this insurance debt with the collection company for the past 2 yrs. they refuse to send me information about the debt, also they refuse to send debt validation. According to FCRA, they must provide information about rhe debt if the consumer requests it in writing, which I have more than 4 times.
Product: Credit reporting or other personal consumer reports

Unauthorized hard inquiries are negatively affecting my credit. Remove them per 15 USC 1681c-2.
Product: Debt collection

On my XXXX credit report states that I have accounts in collection that have been paid by insurance that I had when I was working. I no longer work for that company and I became homeless and was living out of my car from XXXX 2015 until XXXX 2015. I do not have the paperwork anymore because of living in the car. XXXX has removed the ones that XXXX still has n't removed and I would like to have them removed as I no longer owe them and the account is paid in full.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX Mailing : TransUnion LLC Fraud Victim Assistance Department Consumer Fraud Division XXXX XXXX XXXX. XXXX, GA XXXX TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXX, PA XXXX Dear TransUnion, I am writing to follow up on our previous communication regarding inaccuracies in my credit report. In accordance with the Fair Credit Reporting Act ( FCRA ), I have meticulously identified several discrepancies in the information reported by TransUnion, particularly concerning the following accounts : - Acct : XXXX XXXX XXXX XXXX ( XXXX XXXX ) - Acct : XXXX XXXX XXXX XXXX - Acct : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX and foremost, I would like to draw your attention to the precedent set by the case of Smith v. Trans Union LLC ( 2002 ), wherein TransUnion was held liable for inaccurately reporting on accounts that should have been deleted, thus constituting a violation of the FCRA. Moreover, the recent case of United States v. TransUnion LLC ( 2020 ) underscores TransUnion 's recurrent violations of the FCRA, resulting in substantial penalties and damages awarded to affected consumers. 

Upon thorough examination of my credit report, I have discerned the following violations : 1. **Fair Debt Collection Practices Act ( FDCPA ) ** : - Mishandling of consumers ' credit reports, including dissemination of inaccurate debt collection information, potentially contravening the FDCPA. 

2. **Consumer Rights Law** : - Allegations of TransUnion 's transgressions against consumer rights laws, particularly the FCRA, have surfaced in various legal proceedings, such as Serrano v. Trans Union LLC .

3. **Attorney General Law** : - The aforementioned case of United States v. TransUnion LLC ( 2020 ) signifies governmental enforcement actions taken against TransUnion for FCRA violations . 

I respectfully request that TransUnion takes immediate action to rectify these inaccuracies in my credit report. Specifically, I demand the deletion and blocking of the erroneous information pertaining to the XXXX XXXX XXXX ( XXXX XXXX ), XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX accounts, including all inquiries associated with these accounts. It is imperative to note that these accounts do not belong to me and were fraudulently placed onto my credit report, a fact that has been substantiated through my FTC Identity Theft complaint. 

Kindly find my contact information below for any further correspondence : XXXX XXXX XXXX XXXX I anticipate a prompt and diligent response to this matter in full compliance with the FCRA. Thank you for your expeditious attention to this pressing issue. 

Sincerely, XXXX XXXX
Product: Checking or savings account

After my checking account was closed, on XX/XX/20 XXXX sent a refund of {$19.00} to the closed account. I called 3 times asking how my funds can be accessed since the account is closed. PNC confirmed that they received the refund and temporarily reopened my account to do so. I was informed that I would receive a check by mail but no one knows when. There is a department that issues the checks that I can not speak to directly apparently. I would like my refund check as soon as possible. It has been over 10 weeks since the deposit was made and PNC has not allowed me access to my funds.
Product: Credit reporting or other personal consumer reports

I recently reviewed with my credit report and noticed an account that was not reported accurately I had one 30 day late payment on an account that was in fact paid on time but consumer reporting agencies need to report all information with complete accuracy this account has not been late on payments. I've attached my credit report to this complaint on these date ( XX/XX/year> ). I'm now requesting you investigate this account and update this late payment to be paid on time immediately thank you for your understanding and prompt action.
Product: Credit reporting or other personal consumer reports

I am reporting a continued issue with EXPERIAN credit reporting. I have on more than four ( 4 ) occasions contacted EXPERIAN to correct : 1. wrong personal information, ( name, address, phone number etc ) 2. inaccurate account information. Each of which was uploaded to EXPERIAN.

3. I requested communication ONLY through USPS and a new free copy of my credit report mailed to me with the updated info.

4, Experian now claims it is not me requesting them to correct their information when I send utility bill, drivers license and social security number! 

To date, nothing has been done. Experian has sent emails, rather than by USPS. I have been locked out of my EXPERIAN file for more than a year! When I try to sign it it tells me WE HAVE LOCKED YOUR ACCOUNT CALL ( XXXX ) XXXX NO ONE ANSWERS THAT PHONE NUMBER! 

EXPERIAN is not above the law and is in violation of fair credit reporting act ( FCRA ). 15 U.S.C. S 1681i I am asserting my rights to get this corrected and to gain access to my credit file immediately. These are nothing but stall methods and are subject to fines and compensation. I am requesting the consumer financial protection bureau to step in and help me get this corrected! 

Thank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over XXXX days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the XXXX, XXXX, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.
Product: Mortgage

Shellpoint mortgage is not paying my real estate taxes. If they are not going to do it, they should cancel my escrow account and I will do it.
Product: Debt collection

I received a letter stating I owed them for a cable bill I send XXXX return receipt letter requesting validation as required by the Fair Debt Collection Practices Act they never responded sending a letter providing proof that the debt is legitimate that they provide proof that the debt is legitimate, that you are the person who legally owes the debt and that the collector has the right to collect the debt. they then placed a collection notice on my credit report with-out verification of the dept and after I let them know it was n't mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE 1 LATE PAYMENT THAT ARE NOT CORRECT I HAVE 1 COLLECTION ACCOUNT THAT I DO NOT BELONG TO ME THERE IS A CHAPTER XXXX LISTING ON MY REPORT WHICH IS WRONG THERE ARE ACCOUNTS LISTED THAT SAY INCLUDED IN CHAPTER XXXX. ALL OF THESE ARE NOT ACCURATE AND NEED TO BE DELETED. I TRIED TO GET THIS RESOLVED BEFORE BUT WITH NO FEEDBACK FROM THE CREDIT BUREAU.
Product: Debt collection

In accordance with the fair credit reporting act account # XXXX  has violated my rights. 

15 U.S.C. 1681 Section 604 A. Stated I have the rights 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 instruction. 

Account name XXXX XXXX XXXX Account number XXXX  Original creditor XXXXXXXX XXXX XXXX XXXX XXXXXXXX Company sold - Collection account. {$1200.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXXXXXX  Balance {$1200.00}
Product: Mortgage

at XXXX point I was having financial hardship, I filed for assistance from the courts, before the completion of the resolution in the courts me and O**** Loan Servicing came to an agreement if I paid the amount I was behind and pay a monthly agreed payment they will re-instate the loan, as of today I have lived in this home for 14 yrs, I have not changed addresses, they did not report correct information to the credit bureau they did not report I paid what I owed and have been making XXXX payments each month. I feel they received funds from me with no attention in giving me back ownership of my home which in XXXX aspect is fraudulent intent, when I speak with a person at O***** they are not assisting they actual speak to me in a tone as if I am uneducated and have no morals, I want fairness in this matter I paid O***** the monies I owed them I actually sold property in which I should have kept in order to save this XXXX if I knew what I knew now that choose would have been differently I feel they are trying to get over, t reporting that the monies I owed was paid in full with interest. I feel also because I do not understand real estate law they are taking advantage of the situation and me. they got the monies I owed them on the promise they would reinstate my loan fully and I would make monthly payments in the amount of XXXX, none of this has reflected on my credit report, no truth to the fact they was paid in full the amount I was behind and have been making on time payments every since. I need assistance in reclaiming my property if I did not have interest in retaining my home I would have not paid the monies owed ( correct ) but my intentions was to keep my home O***** was paid, please help me get my home back. and my credit report corrected.
Product: Credit card or prepaid card

I was provided an offer of credit card issued by Bank of America in XX/XX/XXXX which had an XXXX XXXX Promotional APR for a certain period of time. 

I accepted the offer and received a credit card soon. 

However, I have never received any notification from Bank of America to specifically let me know when the XXXX XXXX Promotional APR ends. 

On XX/XX/XXXX, I accidentally found my credit card was charged of very high interest for two months : Interest charged for XX/XX/XXXX : {$280.00} Interest charged for XX/XX/XXXX : {$270.00} On XX/XX/XXXX, I called BOA customer service to see if there is any resolution to reverse the interest charged, but my request was declined. 

On XX/XX/XXXX, I went to the BOA branch in XXXX XXXX, XXXX and paid off all of my current balance of {$17000.00}. Then I called BOA customer service again to see if I can request a reverse of the interest charged, but again my request was declined. 

On XX/XX/XXXX, my credit card was charged of another interest of {$210.00}. 

On XX/XX/XXXX, I went to the BOA branch in XXXX XXXX, XXXX to speak to the representative, asking why I still have interest charged even after I paid off all of my credit card balance. I was told that the interest charged on XX/XX/XXXX was for purchases made for the previous month. 

I was trying to explain that Bank of America had never sent me any type of notification to specifically notify me the date that the XXXX XXXX Promotional APR of my credit card ends. If I were notified of the ending date of the XXXX XXXX Promotional XXXX, I would have paid off all the balance to avoid high interest rate. 

As a consumer, I feel its unfair for the bank to ignore or fail to notify the consumer about the critical timeline/date that have a dramatic impact on their interest/benefit such as change of the interest rate. Their failure to do so is apparently an action of taking advantage of their consumers. I hope Bank of America can fix their policy to prevent this problem.
Product: Credit card or prepaid card

When signing up for a secured credit card I had to put {$300.00} down on the credit card in order to receive one. The company is called discover.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several 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. 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 XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$2300.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX XXXX Inquiry on XX/XX/XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX
Product: Checking or savings account

Beginning late XXXX, Wells Fargo began charging my account overdraft fees on XXXX purchases despite money transfers initiated to cover my low checking account balance. It seems that Wells Fargo has begun a practice of back dating XXXX purchases and/or delaying money transfers in order to assess an overdraft fee. This also goes against their own XXXX XXXX policy. I have contacted Wells Fargo at least once per month in XXXX asking for Overdraft Fee refunds. They have given me partial credits for those charges, ranging from a XXXX - XXXX percent refund. The most recent complaint to Wells Fargo was XX/XX/XXXX.
Product: Credit card

The amount was roughly {$620.00} for an online XXXX for an in-store pick-up. Filed a fraud claim with my bank Fifth Third Bank. My claim was denied because XXXX said XXXX XXXX told them it was a valid transaction. Of course it was a valid transaction... someone used my credit card information and purchased something and the charge went through... BUT I DIDNT MAKE A PURCHASE AT XXXX XXXX or XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX : XX/XX/XXXX. XXXX : XXXX Date : XX/XX/XXXX TransUnion Direccin : XXXX XXXX XXXX, XXXX XXXX PA XXXX Subject : Dispute of Unauthorized Credit Inquiries What Happened? 
I previously filed a formal complaint with the Federal Trade Commission ( FTC ) regarding unauthorized inquiries on my credit report. The reference number for that complaint is FTC Complaint Number XXXX, filed on FTC Complaint Date XX/XX/XXXX Complaint Description : My credit report contains unauthorized inquiries that were made without my consent. Upon contacting the creditors responsible for these inquiries, they confirmed they have no evidence that I initiated these inquiries and lack any written or verbal authorization from me. 
Due to the lack of valid grounds for these inquiries, I formally requested their immediate removal. The credit bureau in question has not provided a satisfactory response, which is why I filed a complaint with the FTC. 

Details of Disputed Inquiries : XXXX XXXX XXXX XXXXXX/XX/XXXX " I am attaching the report of the formal complaint filed with the Federal Trade Commission ( FTC ) as additional support for this claim. This report reinforces my request for the removal of unauthorized inquiries from my credit report, as it details the lack of authorization for these inquiries and the inadequate response from the credit bureau involved. '' Additional Legal Support : Cases such as XXXX XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX, XXXX ( XXXX ) reinforce that inquiries must meet the FCRA 's XXXX purposes requirements. 
Formal Request : I am formally requesting a thorough and manual investigation of the disputed inquiries and their removal if there is no verifiable documentation. I reserve the right to take legal action and file an additional complaint with the CFPB and my state 's Attorney General. 
Sincerely XXXX A XXXX XXXX
Product: Credit card or prepaid card

I made a purchase from XXXX on XX/XX/2021 from XXXX XXXX XXXX order # XXXX for a chinchilla coat in the amount of {$5600.00}. The item was suppose to be delivered XX/XX/2021, however I did not receive the coat. I opened a non-delivery case on XX/XX/2021 with XXXX and the seller finally uploaded a tracking number with no name or address that showed delivered. After finally retrieving the package, the item arrived damaged so I have been trying to work with XXXX to resolve this matter because I communicated with the seller and the seller is refusing to allow me to return the item. The item is not as described and that is against XXXX policies. Now I have lost money and stuck with a damaged item because I received a not-as-described damaged item which was completely diffrent than the item pictured and also had holes in it and the seller is refusing to allow me to return the merchandise and XXXX is allowing the XXXX to violate their policies. I filed a dispute with Citi Bank and provided all the supporting documentation needed to resolve the dispute but I have been waiting months and they have refused to provide me a resolution which would be a refund. I have also been waiting for a conditional credit to be applied but they have failed to provide me XXXX and now I have a minimum payment due on the disputed amount.
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint against XXXX XXXXXXXX regarding their obvious disregard for the Fair Credit Reporting Act ( FCRA ) and their failure to properly validate and verify an account listed on my credit report. The reporting of this inaccurate and unverified account has severely damaged my credit score and financial standing. This has caused me significant hardship, including difficulties in obtaining credit, higher interest rates, and considerable stress and frustration. The irresponsible actions of XXXX XXXXXXXX have resulted in undue harm to my financial reputation and stability. 
XXXX XXXX XXXXXXXX Balance Owed : {$450.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 violated my rights.

15 U.S.C. 1681 section 602 A states I have right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.