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

I reached out to XXXX XXXX XXXX XXXX and XXXX XXXX XXXX via certified mail in regard to an auto loan account that is involved in an ongoing XXXX case. 
In the later part of XXXX or early part of XXXX, I was considered XXXX due to a work injury, which XXXX XXXX was made aware of the XXXX case and deemed XXXX XXXX XXXX responsible for taking over my payments and submitting them to XXXX  on my behalf. Since this agreement went into effect, I now have more than 10 late payments being reported to the credit reporting agencies; dropping my credit scores tremendously ; and leaving my credit profile damaged because of the number of late payments Prior to this, I have always had an outstanding relationship with XXXX and made every attempt to pay my bills on time. Therefore, due to the nature of the issues being that it was a XXXX case and their insurance company, I reached out to XXXX on XX/XX/XXXX by phone to discuss my concerns regarding this matter and was told that " they could not help me and that I would have to reach out to the credit bureaus to dispute it ''. I even went to the extent of paying the final payment bring the account to a XXXX balance in hope that this would be resolved. 

I do not understand how XXXX was not able to help me resolve this when they are the one who reports the account status to the credit reporting agencies. This matter has caused a great amount of stress from being denied for credit and now my character has been questioned as if I don't pay my bills on time. 

I respectfully ask, due to the nature of the issue stemming from a XXXX case that they DELETE the account from being reported to XXXX XXXX, XXXX, XXXX and Transunion or update all the late payments on this account to paid on time and as agreed. If this is not or I will have to seek legal counsel. 

Please see the attached letter of the certified tracking numbers for letters that was sent out
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX XXXX in XXXX of 2021 and was taken off of my employment payroll accidentally and had to wait to receive my XXXX XXXX XXXX. I contacted Capital One for both my credit cards ending in XXXX and XXXX because I would not be able to make payments on time. This was also during the time I got XXXX  with my XXXX XXXX XXXX  in XXXX of 2021 and the federal government mandated that credit companies offer covid relief for payment deferments. I was told many times by capital one not to worry ( even made payments as much as I could with my savings I had and receiving no income with a XXXX  ). In the months of XXXX, XXXX, XXXX and XX/XX/2021 Capital One discriminated against me for XXXX XXXX XXXX  and XXXX  being unable to make on-time payments because my job was delayed in paying me and Capital One charged me late fees in each of those months ( even when I made smaller payments with everything I had ) and also reported the late payments to my credit reports which caused me financial hardship. I have hard these cards for almost a decade and made 0 late payments prior to this and its disgusting how I am being treated as a customer. I am trying to buy my childhood home now after my father passed away in XXXX of 2021 and the credit reporting from Capital One discriminating against me is making my hardship worse and more difficult during this already difficult time by affecting my credit score and ability to purchase my childhood home through my fathers estate.
Product: Credit reporting

I have disputed a debt with XXXX XXXX on my credit. The date of original debt is listed as XX/XX/XXXX, however the date of the original debt goes back to XX/XX/XXXX. I have filed multiple disputes with Transunion and they verify that the social security number is mine but not the date. The original creditor XXXX XXXX no longer has my file as it is more than 7 years old. XXXX XXXX will not respond to requests to give dates of original file or remove the file even though it has been reaged and is against FCRA rules.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
I've talked to the bank & they've agreed to remove the accounts. BUT TransUnion has some internal block which they're claiming they can use to not remove the account because they feel they're above the law. When questioned why they're not accepting the Dispute letter they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the dispute letter ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy ... as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. TransUnion shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at TransUnion is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. 


XXXXXXXX XXXX XXXXXXXX Date Opened : XX/XX/2007 Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

I want reported accounts to be removed. Theyre saying that these accounts were late payments and I paid the accounts. Please show me the proof that this is late and if not, can you please remove this from my credit report? I think this is a mistake. Can somebody please handle this for me I have tried numerous times & they have not removed it XXXX Reported XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 2 accounts on my credit report that are not mine. One is XXXX XXXX XXXX with XXXX XXXX XXXX and the XXXX XXXX with XXXX XXXX XXXX. I 've reported to XXXX and both of these credit agencies that these accounts are not mine I was n't living in the addresses at the time these bills occurred. Someone must 've kept the bill in my name. I request for this to be removed for fraud and incorrect information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcy or ( bankruptcies ). These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. XXXX XXXX XXXX {$180.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00} XXXX/XXXX XXXX {$85.00} XXXX   XXXX {$12000.00} XXXX XXXX XXXX XXXX {$87.00} XXXX XXXX   XXXX {$190.00} CONVERGENT OUTSCORING XXXX {$940.00}
Product: Mortgage

My husband and I purchased a home XX/XX/XXXX. We made payments until we experienced financial hardship. We contacted the bank and sought a modification. The bank gave us a trial modification requiring that we make three payments in the amount of approximately {$2000.00}. We felt that this amount was a take it or leave it agreement and was setting us up for failure. This amount was more than we could afford, nevertheless, we made two payments under the trial modification. However, before the third payment, my husband passed in XX/XX/XXXX. I then sought to may arrangements with the bank, based on his death and further change in my financial circumstances. Despite my efforts the bank refuses to work with me. They will not talk to me. Instead, they filed a foreclosure case against me on XX/XX/XXXX in the XXXX county courts. I am XXXX years old. I am on a fixed income, and do not want to lose my home. Now it seems like they have transferred my loan to XXXX XXXX XXXX. Please help
Product: Credit reporting or other personal consumer reports

In accordance of the fair credit report. I checked my credit score and was shocked to se all the hard inquiries on my equifax report that I did not and didn't give any information or permission to check my credit. So by federal law it is called identity theft and want equifax to delete every single hard inquiries on my report. I AM ATTACHING SCREEN SHOTS OF ALL MY HARD INQUIRIES THAT ARE REPORTING ON MY EQUIFAX REPORT WITH THE NAMES OF THE BUSINESS AND DATES IT WAS INQUIRED. ALL THEM ARE UNAUTHORIZED HARD INQUIRES AND I WANT THEM REMOVED. 

I WENT AHEAD AND FILLED A FTC REPORT AND POLICE REPORT. 

THANK YOU
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, lately, I checked my credit report and since I do not do it very often, I was shocked to see unverified, inaccurate and false accounts on my credit report reported by two collections agencies XXXX XXXX and XXXXXXXX XXXX. I contacted all three credit bureau ( XXXX, Transunion and XXXX ) and they all sent me a letter telling me that these accounts meet the requirements the FRCA. How is that possible? I wonder myself. For two, I had all types of troubles getting credit and getting service and I did not know that the reason I was going through so much trouble was because the credit bureau were colluding with these two collection agencies. 
I sent them letters and Transunion did not even bother to reply to my dispute. I sent two validation letters to the collection agencies and it is still pending. I see no movement. 
According to established state and federal consumer protection laws, they are required to verify all accounts you post onto a credit report, and to make the information you have used to conduct this verification available to consumers upon request. Since, they said that everything is verified, it is my right to ask them to provide me with the information you have used to verify these accounts, namely, the original consumer contract with my name, signature and other identifying information on it which pertains to each negative account listed on my credit report.
Product: Student loan

I have tried to hsve my payments lowered multiple times but was steered towards forbearance and given no other repayment options.
Product: Money transfer, virtual currency, or money service

XXXX and XXXX XXXX XXXX initiated on XX/XX/XXXX through the online app of World Remit XXXX XXXX via XXXX XXXX XXXX. The wire came from XXXX XXXX account XXXX XXXX XXXX XXXX XXXX XXXX in the amount of XXXX XXXX  converted to XXXX USD to the account of XXXX and XXXX XXXX at XXXX XXXX  account XXXX. XXXX XXXXXXXX XXXX  XXXX XXXX is XXXX. This XXXX XXXX account had been closed in XXXX. Wire transfer phone XXXX. Since XX/XX/XXXX both parties had tried to cancel the transaction XXXX, but the financial inst refused to speak to the receiver and refused to get all parties involved to communicate and resolve the problem. XXXX called the wires group at XXXX XXXX  at XXXX and was assured that once the monies came to XXXX XXXX they would reject the transaction and send the monies back to XXXX XXXX to XXXX and XXXX account. They recommended that the sender Recall the transaction and XXXX sent an email to World Remit explaining the issue and asking for an immediate recall and return of monies to original senders account. Both XXXX and XXXX contacted World Remit who continued to avoid both parties and refused any correspondence. Please help us get our moneys back as we are not rich and can not lose such a large sum.
Product: Payday loan, title loan, or personal loan

On XX/XX/21 I borrowed {$1200.00} from LoanAtLast. The effective date was XX/XX/21. My first payment was due XX/XX/21 & money was taken from me weekly at {$160.00}. The APR was not given to me until after the agreement was signed. I financed {$1200.00} at a 702.32 % APR. I paid {$160.00} on XX/XX/21, XX/XX/21 & so on, weekly. This is predatory lending at its finest and I am beyond XXXX this happened to me. I am young & I didnt understand what was going on.
Product: Vehicle loan or lease

Flagship Credit Acceptance has not been processing payments in a timely manner. I have sent a series of payments to try and determine how long it takes for them to post payments to my account in the last month they have been taking longer than is acceptable for a business that is charging interest and penalties for late payments. 

Date sort by ascending Payee sort by ascending Payment Method sort by ascending Reference Number sort by ascending Amount sort by ascending Status sort by ascending Days to Clear XXXX/XXXX/XXXX XXXX Check XXXX {$1.00} Not cleared XXXX/XXXX/XXXX XXXX Check XXXX {$1.00} Not cleared XXXX/XXXX/XXXX XXXX Check XXXX {$1.00} Not cleared XXXX/XXXX/XXXX XXXX Check XXXX {$1.00} Not cleared XXXX/XXXX/XXXX XXXX Check XXXX {$1.00} Not cleared XXXX/XXXX/XXXX XXXX Check XXXX {$1.00} Not cleared XXXX/XXXX/XXXX XXXX Check XXXX {$330.00} Not cleared XXXX/XXXX/XXXX XXXX Check XXXX {$1.00} Cleared On XXXX XXXX XXXX/XXXX/XXXX XXXX Check XXXX {$1.00} Not cleared XXXX/XXXX/XXXX XXXX Check XXXX {$1.00} Cleared On XXXX XXXX XXXX/XXXX/XXXX XXXX Check XXXX {$1.00} Cleared On XXXX XXXX XXXX/XXXX/XXXX XXXX Check XXXX {$1.00} Not cleared XXXX/XXXX/XXXX XXXX  Check XXXX {$1.00} Not cleared XXXX/XXXX/XXXX XXXX Check XXXX {$1.00} Cleared On XXXX XXXX XXXX/XXXX/XXXX XXXX Check XXXX {$1.00} Cleared On XXXX XXXX XXXX/XXXX/XXXX XXXX Check XXXX {$1.00} Cleared On XXXX XXXX XXXX/XXXX/XXXX XXXX Check XXXX {$330.00} Cleared On XXXX XXXX XXXX/XXXX/XXXX XXXX Check XXXX {$330.00} Not cleared XXXX/XXXX/XXXX XXXX  Check XXXX {$330.00} Cleared On XXXX XXXX XXXX/XXXX/XXXX XXXX Check XXXX {$330.00} Cleared On XXXX XXXX XXXX/XXXX/XXXX XXXX Check XXXX {$350.00} Cleared On XXXX XXXX XXXX/XXXX/XXXX XXXX Check XXXX {$330.00} Cleared On XXXX XXXX XXXX/XXXX/XXXX XXXX Check XXXX {$670.00} Cleared On XXXX XXXX XXXX/XXXX/XXXX XXXX Check XXXX {$330.00} Cleared On XXXX XXXX XXXX/XXXX/XXXX XXXX Check XXXX {$350.00} Cleared On XXXX XXXX XXXX/XXXX/XXXX XXXX Check XXXX {$660.00} Cleared On XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX {$100.00} Cleared On XXXX XXXX XXXX/XXXX/XXXX XXXX Check XXXX {$330.00} Cleared On XXXX XXXX XXXX/XXXX/XXXX XXXX Check XXXX {$1.00} Cleared On XXXX XXXX XXXX/XXXX/XXXX XXXX Check XXXX {$660.00} Cleared On XXXX XXXX I have requested a pay off for this loan but cant be sure that they will process it with in the 10 days that the payoff quote is good for.
Product: Credit card or prepaid card

I attempted to apply for paypal credit card. Reference # XXXX. They sent 2 notices that I have a fraud report on my credit and they attempted contacting me at the number listed on my fraud report and they did NOT. They stated there was no credit report pulled yet they negatively affected my credit causing credit score decrease. I called and synchrony stated they cant do nothing about, no credit file pulled and disputes that they did try to contact me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hard inquiry from ( Citibank Na best b XXXX XXXX XXXX ) today XX/XX/2019 Hard inquiry from sears/cbna complete department stores today XX/XX/2019. 

Both inquiry wasnt made from me, I was advised by XXXX XXXX.
Product: Mortgage

I have a VA Mortgage with Village Capital & Investments LLC. Loan # XXXX. My husband and myself have been laid off of our jobs due to this corona-virus. I call Village Capital on XX/XX/2020, XX/XX/2020 & XX/XX/2020 and asked to postpone my loan payment for XXXX and maybe XXXX if we are still out of work due to this virus. I was told by Village Capital that I had to pay my mortgage and stay current on my mortgage payments or I world receive late fees. 

I have read and seen that with the current issues the world is going through, the Senate passed the bill that would allow borrowers with federally backed loans to request mortgage forbearance for up to 180 days. I am not asking for 180 days. Just a month or two.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received my investigation back and you stated you completed a fair investigation and these accounts are 100 % accurate. 

But can you please answer this one question. How did you investigate these accounts? Because according to the fair credit reporting act 15 U.S. Code 1681a this is how you supposed to investigative my consumer report Did you interview my neighbors? 

Did you interview my friends? 

How did you talk to? 

One more thing can you please tell me how everything is accurate since these accounts date open, date last active not reporting the same Information. 
You have violated multiple laws below : 15 U.S. Code 1681a 15 U.S. Code 1681 15 U.S. Code 1681i I demand you delete the accounts from my credit report, listed below : CAPITAL ONE AUTO FINANCE XXXXXXXX CAPITAL ONE AUTO FINANCE XXXXXXXX
Product: Checking or savings account

Under the Consumer Financial Protection Act, the CFPB has the authority to take action against institutions violating consumer financial protection laws, including engaging in unfair, deceptive, or abusive acts or practices. 

I was charged numerous times for overdraft fees and incurred charges that I shouldnt have.
Product: Debt collection

Stuart-Lippman And Associates , Inc. has had me paying them a debt that they were never entitled to under false pretense, UCC 3-203 and 15 USC 1692f. The Privacy Act of 1974 was infringed upon due to a 3rd party having all my information and I don't have a contract with this 3rd party debt collector. 3-203, I have never done business nor has had a contract with Stuart-Lippman And Associates , Inc . Transferring a security doesn't give rights to whoever it transferred to and only the original creditor can come after me, which is who I signed with, but they lost their rights once they transferred. UCC 3-203 TRANSFER OF INSTRUMENT ; RIGHTS ACQUIRED BY TRANSFER. Primary tabs ( a ) An instrument is transferred when it is delivered by a person other than its issuer for the purpose of giving to the person receiving delivery the right to enforce the instrument. ( b ) Transfer of an instrument, whether or not the transfer is a negotiation, vests in the transferee any right of the transferor to enforce the instrument, including any right as a holder in due course, but the transferee can not acquire rights of a holder in due course by a transfer, directly or indirectly, from a holder in due course if the transferee engaged in fraud or illegality affecting the instrument. ( c ) Unless otherwise agreed, if an instrument is transferred for value and the transferee does not become a holder because of lack of indorsement by the transferor, the transferee has a specifically enforceable right to the unqualified indorsement of the transferor, but negotiation of the instrument does not occur until the indorsement is made. ( d ) If a transferor purports to transfer less than the entire instrument, negotiation of the instrument does not occur. The transferee obtains no rights under this Article and has only the rights of a partial assignee. Your company has been robbing me and also committing security fraud. Contact me to resolve this issue before it goes to Arbitration or Litigation.
Product: Checking or savings account

So basically what happened was I was notified that my account was being closed because of a return check that totally wasn't my fault and everything I called the bank tried to fix it and everything they said they were going to take their fees which they already have and my account was going to be close by the XXXX and I'd have my funds now I'm being told they don't know if I'm going to get my funds and when the account going to be closed
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 Account Name : XXXX Account Name : XXXX XXXX XXXX BANK Account Name : XXXX CREDIT  Account Name : XXXX  XXXX AUTO FINANCE 15 U.S.C 1681 Section 602 A states I have a 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.

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 items 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 reason to believe that the information is inaccurate.
Product: Credit card or prepaid card

I visited the XXXX XXXX in XXXX, WA on XX/XX/XXXX and purchase {$94.00} worth of groceries. During payment, there was a computer failure. I was assured that the charge did not process and the store ran my card a second time on another machine. A month later, when I received my credit card bill, I found that I had actually been charged twice for the groceries. I tried calling the store multiple times to resolve the issue and was unable to reach anyone. I attempt to file a dispute with Chase Bank via their website multiple times during the month of XX/XX/XXXX, but failed due to website errors. Multiple email requests for support were ignored. 

Finally, on XX/XX/XXXX I called and submitted a dispute request via phone. I received no written confirmation about the dispute so I called back two days later, on XX/XX/XXXX to confirm that the dispute had been filed. They had no record of the dispute so I went through and filed the dispute a second time while on the phone. Again, I received no written confirmation and no indication on my bill that my dispute had been filed. However, in subsequent phone calls on XX/XX/XXXX and XX/XX/XXXX, I confirmed the dispute existed and was told it was being investigated. After receiving no resolution to my dispute within the legally mandated XXXX billing cycles, I called again on XX/XX/XXXX to check on the status. I was told this time that there was no record of the dispute and that too much time had passed since the initial transaction for a dispute to be filed. When I mentioned again that I had filed the dispute initially on XX/XX/XXXX, the customer service representative suddenly changed his mind and decide to open yet another dispute for this charge. I have been assured that this matter will be resolved within 30 days. However, given the past failures of Chase to properly handle this case and their failure to meet their legal obligation to resolve the dispute within a timely manner, I feel it is necessary to escalate this issue to the CFPB.