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

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXXXXXX XXXX there is some inaccurate information reporting. 
XXXX  Date of inquiry : XX/XX/2022 Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX  Date of inquiry : XX/XX/2022 Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX  XXXX Date of inquiry : XX/XX/2022 Delete this account. 
XXXX. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX there is some inaccurate information reporting. 
XXXX  Date of inquiry : XX/XX/2022 Delete this account. 
XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, LA XXXX
Product: Credit reporting or other personal consumer reports

My credit report contains inaccurate information in the form of unauthorized hard inquiries ( 15 USC 16c-2 ). Please remove these and correct my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Two credit accounts with the Navy Federal Credit Union, referred as NFCU from now were charged off port-divorce. One account ending on XXXX is a Car loan, and the account ending on XXXX is a Personal Loan used for the purpose of home improvements. 

Both accounts were entered in a settlement agreement for 80 % of the balance with account ending on XXXX been paid off and settled. 

NFCU continues to report account XXXX as a mortgage loan when it is not, and also hasn't updated the balances on the 3 credit bureaus according to the new amounts on the settlement agreements. 

All the necessary steps has been taken to dispute the information with the 3 bureaus, as well as with NFCU, in many occasions, however the company continues the practice of erroneous reporting. The account in reference XXXX is not related in any manner to my property, or any liens are against my property as consequence of it. 

This is causing my inability to rebuild my credit and have fair credit opportunities, affecting my professional career and my family as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the XXXXir Credit Act XXXX the information provided below has violated my rights. 

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

15 U.S.C 1781 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

The accounts provided I requested several times for the credit bureaus to verify the information with these accounts for I did not recognize them. I only received letters simply stating account verified. However I requested details of how they verified them and to whom they spoke with to verify. They have yet to provide my this information that is required by law. Also when I update my credit reports I can see that nothing has changed since my request. All the data is still the same and not even the same per bureau. My aXXXX suggested I file this complaint. 

Account items in question. XXXX. XXXX Account XXXX : XXXX XXXX. XXXX XXXX Account XXXX : XXXX XXXX. XXXX Account XXXX : XXXX XXXX. XXXX Account XXXX : XXXX & XXXX
Product: Credit reporting

I was denied credit due to low Equifax score. I went on line XXXX times to get my report to print out - every time it says it can not do an online report at this time. To call the toll free number. Every XXXX time I call that I get put into a circle of fraud questions as it is an automated line. Can never order my report. They are avoiding giving the free reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports.

This item is reporting late, yet it is closed and the balance is XXXX  as reported in my 3 Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints.
Product: Checking or savings account

On XX/XX/XXXX, at XXXXXXXX XXXX. I entered a XXXX parking lot with a XXXX posted parking rate of {$22.00}. I was charged {$45.00}, more than XXXX times the posted rate. This transaction was posted on XX/XX/XXXX. I promptly disputed this charge with the merchant and US Bank. I immediately submitted a form to the company but did not receive a response. I followed up on XX/XX/XXXX. I received a response on XX/XX/XXXX requesting the parking lot location. I replied on XX/XX/XXXX. On XX/XX/XXXX, XXXX XXXX, Office Manager at XXXX requested documentation showing I paid a higher rate than the posted rate. I furnished this information on XX/XX/XXXX. The company never responded. 

I also disputed the fraudulent charges with US Bank. On XX/XX/XXXX, I was granted provisional credit in the amount of {$23.00}, which represented the difference between the posted parking rate of {$22.00} and {$45.00}, the amount I paid. I was sent XXXX forms to fill out, which I promptly completed and returned to US Bank. On XX/XX/XXXX, the Provisional Credit in the amount of {$23.00} was reversed by US Bank. I promptly called US Bank on XX/XX/XXXX, at XXXXXXXX XXXX The call lasted XXXX minutes and XXXX seconds. I spoke with XXXX by telephone and stated that I never received notice of the reversal of the provisional charge. He stated that notice had been mailed the end of XXXX. I mentioned that I would like to have a copy of the form and investigation records. XXXX assured me that someone from US Bank would call me on XX/XX/XXXX. No one returned my call. 

US Bank had a fiduciary duty to act in their customers best interest. They failed to act in my best interest by allowing a company to fraudulently withdraw money from my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

i recently check my credit report on XX/XX/2021 and notice that XXXX  was reporting some inaccurate information concerning tradelines, name, address, and job also Equifax is reporting inaccurate information with my name, address, and job that needs to be corrected.
Product: Credit card or prepaid card

The. Charges occurred last year and from XXXX - XXXX I contacted the company and Bank of America i even wrote them about the fraudulent transactions and sent a fax but no one has responded or contacted me back about any of it. I had over {$3000.00} in charges that were not mine and nothing has been done and when I call in they say it is too late to dispute the But I tell them Ive been trying since I first seen the transactions but they just issued a new card and said that the disputes would take a while to go back to my account but it never did? Please let me know if this can be corrected please
Product: Credit reporting, credit repair services, or other personal consumer reports

I have provided Transunion with a dispute letter via certified mail on XX/XX/XXXX involving inquires and inaccuracies on my credit report. The agency has not taken on my dispute, but instead chooses to send me a letter of additional services that they provide as a company on XX/XX/XXXX. The letter was sent to the address posted on the consumerfinance.gov website; TransUnion LLC XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, PA XXXX.
Product: Bank account or service

PNC Bank : XXXX XXXX XXXX sent me a letter claiming that I owed their bank {$140.00} ( which I had paid at their branch nearby and was told by the branch CSR that I was totally paid out and that my accounts were at zero after the cash payment at the teller ). The letter XXXX sent me arrived in my mailbox on XXXX XXXX, 2015 and said that I had 7 days from the receipt of the letter to call her about it otherwise they would send it to collections. I called on Tuesday XXXX XXXX, 2015 and she said she had already sent the matter to collections without even waiting for my call. When I told her that it had n't been a full 7 days since I got the letter, she said it was too late. When I told her I would complain to the FBI, she immediately hung up. I 'm not sure I have located the receipt for that payment or could since it has been several months since the deposit was made. I believe PNC Bank is in error and is just trying to collect money fraudulently from me since I am XXXX. The CSR person who started taking full advantage of me was XXXX XXXX XXXX XXXX XXXX. Branch in XXXX, Florida. XXXX had lied about my behavior when I wanted to close my account with PNC, saying that I was yelling even though I was not yelling, just speaking with a disbelieving tone of voice XXXX I could n't believe she would n't close my account. The date of closing was within the rules. ) When I told XXXX it was unfair she expressed that it was too bad. I told her I was recording the conversation and she immediately hung up the phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the XXXX is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX  and stopping me from getting this job offer n now XXXXXXXX XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Product: Credit card or prepaid card

Good time of day, On XX/XX/2020, at XXXX EST, I made an online booking for three business class tickets, for a round trip Washington - XXXX - Washington , for XX/XX/XXXX. I paid a full amount for said tickets with my Citibank MasterCard, with a total amount being {$9900.00}. Prior to booking with an airline completely new to me, I had thoroughly researched all of their policies, ensuring that, in case of our inability to travel due to Covid-19 or any other reason, I would have some means of obtaining a refund. The XXXX XXXX refund policy at that time, available on their website. specified, in part, that any cancellations made within twenty-four hour period from booking are eligible to a complete and full refund. 
Later that same day, I found out that the tour operator, XXXX, will be cancelling all tours, including mine. So at XXXX on XX/XX/XXXX, I filed a cancellation request for this booking with XXXX XXXX, receiving an email confirmation of my action. At that time, the web site stated that all refunds are done after 21 days, which seemed outrageous to me, given my cancellation nine hours after booking. But I waited, and waited, and waited. After almost a month went by, I tried contacting XXXX XXXX. There was no telephone service available, with the only telephone contact being two tickets offices - XXXX XXXX  and XXXX XXXX  Both have proven fruitless. So I sent email after email to any address i could find, which turned out to be at least six different contacts. Most have gone unanswered, with some generating an electronic auto-response email. Despite repeatedly asking to be contacted about this issue, no contact was initiated and no refund followed. 
On XX/XX/202, I received an email from the airline, stating that our flights have been cancelled and advising us to contact the airline. How? I tried more of the same email routes. No answer. 
Finally, on XX/XX/XXXX, I fled a dispute for the full amount of charge with the credit card company, Citibank, citing breach of contract. I have complied with the 24-hr cancellation policy and did not get a refund, as I was supposed to. Moreover, the airline itself cancelled the flights and still did not refund the money. Citibank requested me to sign an affidavit and provide supporting documentation. I did so in a couple of days. The Billing Dispute department of Citibank gives no ability for me to speak to the investigator, so the only information I have is what is posted under documents on the web site. That section claimed an investigation is progressing, until XX/XX/XXXX, when a letter was posted, declining my dispute. Using the same email, provided by Citibank for billing dispute contacts, I sent a letter of protest, directly demanding to be contacted by the investigator on my claim. It was ignored, as I received no response. 
Several documents, supporting my claim and documenting the course of dispute, are attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello yes contacted Experian do to unrecognized inquires due to there misreporting And their customer service would not help and take care of the negative inquiries reporting to my credit report. XXXX Inquiry date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX, XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XXXX XX/XX/XXXX XXXX  XXXX XXXX  XXXX Inquiry date : XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX EXPERIAN XXXX XXXX  Inquiry date XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I have reached out to Experian and I have mentioned that there are inaccuracies listed on my consumer report with 3 accounts. The accounts are XXXX XXXX and an XXXX XXXX collection account. This account along isn't reporting on any other credit agencies and only on Experian. I also noticed inaccuracies on the dates of open, dates closed, due date, address, and many more inaccuracies were found on my consumer report. The accounts were removed and placed back on to my consumer report without my knowledge. I've contacted the legal department at Experian and explained the inaccuracies on my consumer report. I also ask in the investigation of receiving results of verified, I want to know what method of verification was used, who did, when, where, and how? Which method was determined the factor of verification, share that with me, give me a name, person, what method was used?. By consumer law I have the right to ask and know what was the method of verification and be given an answer. I am looking for the inaccurate accounts be removed immediately and permanently. Along the line there are several inaccuracies, violations of my rights and more. Defamation of character, distress has caused mental issues upon myself and if this continues to become a problem, I won't hesitate to pursue legal matters in the near future.
Product: Debt collection

Company never notified me or gave me a chance to verify and pay debt, didn't receive any warnings that debt was going to be attached to my credit report from the company and still to this day cant verify correct amount of debt that was reported, at one point i saw a different amount it looks as if it has changed but not sure because the company never contacted me to communicate it would be attached to my credit report. the company is called convergent outsourcing and the debt supposedly owned is XXXX. The date that is listed is XXXX, my email is XXXX XXXX
Product: Vehicle loan or lease

I've spent so much cash getting my car repaired for the past two months just to find out its a recall on my engine. I ended up losing my job due to this! They are still asking if I can make payments! 
How? I can't even afford a rental because I don't have the {$200.00} deposit! If it didn't require that, I would have been able to afford it! 
I got kids! This is non sense. My car suppose to be fix by next wednesday. XXXX CONFIRMED IT WAS MY ENGINEEEEE! NOT MY FAULT!! 

but i'm so far behind on my car payment its ridiculous! 
It's not even my fault! All the money I spent on my car could have been used towards my car payment now i'm without a job. I certainly don't deserve a repo! The lady who sold me the car told me this was a great car, practically new. I get it! I had it for a year and the engine gone. The company should have known about the recalls because it was back in XXXX. They should have had XXXX inspect before selling!! I was on the highway when it happened. I could have lost control of my vehicle. There's already been a lawsuit in the past. I hate to even take it that far but they need to know what they are selling! My family is affected! I'm the sole provider of XXXX toddlers! A XXXX XXXX XXXX and a XXXX XXXX XXXX who go to daycare! I lost everything!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon checking my credit report, I noticed several inconsistencies regarding the account ( XXXX XXXX XXXX XXXX ). All 3 credit bureaus have a different account number, account type as well original balance. I have tried disputing it with the credit bureaus but have been unsuccessful. I have attached such documents showing the inconsistencies from all 3 bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

See attatched XX/XX/XXXX Letter from Equifax CONFIRMING : We recieved your request concerning your Equifax credit file. We are unable to locate a credit file for one of the following reasons : 1 ) * You may not have a current file.2 ) * You have not applied credit recently. * 3 ) You have not actively used credit in the past ten years. EQUIFAX MAINTAINS CREDIT FILES MAINLY ON US RESIDENTS. ** I HAVE NEVER BEEN OUT OF THIS COUNTRY IN MY XXXX  YEARS ON EARTH however XXXX XXXX Accessed my XXXX account XXXX. ** I had a credit file?? WHAT HAPPENED TO IT?? XX/XX/XXXX XXXX Alerted me XXXX XXXX Accesed my account.. Was it me I ANSWERED NO. XX/XX/XXXX UNAUTHORIZED TRANSACTIONS APPERRED ON TWO CREDITCARDS. XXXX  & XXXX FTC ID Theft Report is case XXXX. I WAS PART OF BREACH NOW NO FILE????? DID EQUIFAX BREACH CAUSE THE ID THEFT ON TWO CARDS?? IS ALL MY PRIVATE DATA ON DARK WEB TO FRAUD ME MORE??? Elderly XXXX American Citizen TARGET BY PROFILE ( * NO PROTECTION FROM CRIME. Please hear me " I CAN'T LIVE ''!! )
Product: Money transfer, virtual currency, or money service

As I write this, today is XX/XX/XXXXThis has happend one 3 different occasions. 
On XX/XX/XXXX I place a sell for XXXX, that coinbase shows as completed on XX/XX/XXXX On XX/XX/XXXX a sell for XXXX shows completed on XX/XX/XXXX On XX/XX/XXXX a sell for XXXX show completed on XX/XX/XXXX None of these have been paid out, Ive attempted to reach coinbase via email and call support and they do not respond to my attempts to reach out.
Product: Mortgage

The Money Source shows my account is past due after loan modification was completed. I have been trying to work with company since XXXX of this year to get things straight. 

Here is some background In XXXX of this year I started the loan modification process on my mortgage due to a significant increase in monthly amount which caused me to get behind in payments. During the loan modification process I made two payments to help with my balances Here are the amounts and dates of payments made during the modification process XXXX - {$1800.00} XX/XX/XXXX - {$1800.00} - This payment was returned due to using the incorrect bank account XX/XX/XXXX - {$1800.00} - This payment was made to replace the XX/XX/XXXX payment using the correct bank account I spoke with an agent on XX/XX/XXXX and she advised I did not have to make any additional payments until my modification was completed. I then received my modification paperwork signed it and returned. Modification completed first payment due XX/XX/XXXX. Here are my payments made since XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I begin receiving letters that my mortgage was past due. This was not true as I have been making my payment monthly since the modification. I contacted The Money Source and was advised the following reasons by agents as to why my account was past due 1. My first payment after the loan modification went to my past due payment from XXXX. 
2. The payment went toward the payment returned in XX/XX/XXXX After lengthy discussions with several agents internal cases were opened to have the issue corrected only for the special loans department to deny the request. Here are the cases that have been submitted since I begin having these conversions in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have requested to speak with supervisor numerous times and have been denied each time. The latest to decline to speak with me is XXXX. Here are my questions and issues 1. If my loan was modified and all balance prior to XXXX included in that modification Why do I still carry a balance from XX/XX/XXXX 2. If I replaced the returned payment on XX/XX/XXXX why is that balance still showing owed. An why would that balance be owed if it was an additional payment made while payments were suspended on account? 

This has been a major headache and XXXX is reporting my mortgage as late in my credit report. This company has been a headache to deal with during and after the modification process. My experience during the modification process is a complaint in itself.