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

I am writing to submit a formal complaint regarding the incorrect information present on my credit report. On XX/XX/XXXX, I contacted TransUnion to dispute the inaccuracies, but to date, I have not received a response. I kindly request your assistance in addressing these issues and ensuring compliance with federal law. 

XXXX XXXX Account Details : Date Opened : XXXX XXXX, XXXX Balance : {$420.00} Disputed Information : Disagree with the reported Balance of {$420.00}, as I recall a lower amount. 
Request deletion of the Past Due amount as this account is closed and charged-off. 
Kindly mark this account as disputed to prevent any negative impact on my credit score. 
XXXX/XXXX  Account Details : Date Opened : XX/XX/XXXX Balance : {$3700.00} Disputed Information : The reported Balance of {$3700.00} does not correspond to the lower amount I remember. 
Request revision of the inaccurate Past Due information as this is a closed and charged-off account. 
Kindly mark this account as disputed to prevent further negative impact on my credit score. 
XXXX XXXX XXXX Account Details : Date Opened : [ Insert Date ] Balance : [ Insert Balance ] Disputed Information : Require verification of the Balance as I do not recall owing such a high amount. 
The reported Past Due amount is incorrect for a closed and charged-off account. 
Request marking this account as disputed to avoid any additional negative impact on my credit score. 
Verify Date Opened, Date of Status, and First Reported for this account. 
XXXX XXXX XXXX Account Details : Date Opened : XXXX. XXXX, XXXX XXXX : {$24000.00} Disputed Information : Incorrect reporting of the original creditor as XXXX XXXX XXXX  instead of the actual creditor. 
Dispute the Balance of {$24000.00} as it is higher than the amount I believe I owe. 
Request verification of Date Opened and Date of First Delinquency. 
XXXX XXXX XXXX Account Details : Date Opened : XXXX XXXX, XXXX Balance : {$520.00} Disputed Information : The reported original creditor is inaccurate ; it should be 06 XXXX. 
Dispute the inflated and inaccurate Balance of {$520.00}. 
Request verification of Date Opened and Date of First Delinquency.
Product: Credit reporting, credit repair services, or other personal consumer reports

inquiries and 1 collection account on credit report were not authorized and fraudulently acquired through identity theft collection account XXXX XXXX XXXX Inquiries XXXX ( Finance ) XXXX XXXX, XXXX XXXX XXXX XXXX ( Finance ) XXXX XXXX, XXXX  XXXX XXXX XXXX  ( Finance ) XXXX XXXX, XXXX XXXX XXXX XXXX ( Bank ) XXXX XXXX, XXXX XXXX XXXX ( Finance ) XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XXXX XXXX, XXXX XXXX XXXX XXXX ( Finance ) XXXX XXXX, XXXX XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



XXXX XXXX XXXXXXXX UNAUTHORIZED INQUIRIES : 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 XXXXXX/XX/XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

With Experian I have issued a letter of receipt for XXXX acct # XXXX paid {$1400.00} regarding creditor XXXX showing I paid and showing that in the letter this was to be removed. It states in the letter it will be removed. I submitted more than 3 times in the month of XXXX and they have not removed it they just kept it on my report and did put paid less than the agreement. With XXXX XXXX XXXX I paid {$350.00} acct # XXXX & XXXX, twice I have submitted my letter that states paid in full along with my bank statement showing the amount paid along with the confirmation number and the manger number, email address and they still close it the next day and updated it stating still owed i also included my bank statement showing paid. With XXXX. I provided them the login statement showing I paid the {$160.00} on XX/XX/XXXX and I provided my bank statement showing this amount was paid and they continue to close. I feel discriminated on by Experian I provide the proof and they don't do any update at all and against the creditors who i paid my money on and they dont do the proper updating. This is unfair to obtain confirmation numbers and letters and Experian ignores them and allow the creditors to lie. XXXX confirmation # XXXX & XXXX # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

{$60000.00} U.S Department of Education/ XXXX XX/XX/11 : opened US DEPT . OF EDUCATION/GL XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Phone Phone number not available Date Opened XX/XX/XXXX Date Updated XX/XX/XXXX Credit Limit {$400.00} Pay Status Paid, Closed ; in accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights. 

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

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

Received three mailings in the past 45 days for debts in 3 different individuals names that do NOT live at my address. I still have two of them. I threw the other one out. The two I have now have other people 's names on them that I do NOT know. They do NOT live here. I have lived here for 20 years.
Product: Mortgage

My husband lost his job due to XXXX, and I was struggling to pay my loan. They told me that I could place my loan into forbearance status. I was approved yesterday for the forbearance. On that call I discovered that they added approximately {$30000.00} worth of fees to my loan. I believe this amount to be excessive. They told me that my payoff is now over {$130000.00}. When I began purchasing the home years ago, I started out closer to {$100000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : I have filed 3 disputes just this year with XXXX, and 2 disputes with XXXX and Experian, about XXXX XXXX XXXX. XXXX has not validated this account with me ; I have sent them 2 certified letters and 1 fax with no response so how could this account be validate with any of the credit bureaus. On XX/XX/XXXX I sent a fax to all 3 credit bureaus only to receive an XXXX response 10 days later stating that anything reported on my credit will stay 7-10 years. Then I sent a second letter to XXXX on XX/XX/XXXX on with the same response 10 days later. The fact that I received a response in 10 days after they received my letter and fax, one can assume that there was no investigation. I have not heard from XXXX or Experian and its well past the 30 period. I am submitting this complaint for XXXX due to lack of investigation into my original dispute and to XXXX and Experian for not responding within the 30 day time frame. This is unfair practices by a credit reporting agency with no concerns for the credit worthiness of a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Creditor : Truist Bank Account # XXXX I have reached out to Truist Bank repeatedly over the past year regarding my account that was paid off last XX/XX/XXXX. I was told repeated that my account fell through the cracks and that it should have been closed out and the amount updated as paid in full and the balance in my XXXX report shows {$0.00}. I have a letter of proof from Truist bank stating that my account was paid off in full as evidence. I even filed a dispute with XXXX in which they even concluded in XX/XX/XXXX that my account balance was {$0.00} and account was reported paid in full. Truist then sent a response to XXXX on XX/XX/XXXX saying the account was not paid in full which it completely untrue. This is against Consumer Protection laws I am submitting this request for Truist to update my account immediately or I will be filing a lawsuit against them and will being suing for monetary damages suffered as a result of my credit report not being updated. This is fraud and illegal to do this to consumers. 

I spoke to the following people at Truist Bank : XX/XX/XXXX - XXXX XXXX ( Employee # XXXX ). She stated that my credit report would be correct by no later than XXXX XXXX, XXXX. She apologize as my account fell through the cracks. 
XXXX XXXX - I spoke to a representative XXXX and he said that XXXX followed out with the account on XXXX XXXX and that they the credit team resolved it XXXX and that it should be removed from my credit reports 30 days after by XXXX XXXX XX/XX/XXXX - I spoke to a representative XXXX and she confirm that the account would be resolved and removed from my credit reports by XXXX XXXX and that a Supervisor XXXX  XXXX XXXX  would call me back. That never happened. 

XX/XX/XXXX - I spoke to XXXX XXXX again and this conversation was recorded of then admitting that they were sorry it was not been removed from my report and that it fell through the cracks and it would be taken care of and that Supervisor was going to call me back, That never happened. 

XX/XX/XXXX - I submitted a dispute with XXXX as the balance still showed {$9500.00} instead of {$0.00} per the resolution decision that was mailed to me from XXXX on XX/XX/XXXX. XXXX stated that someone from Truist Bank submitted a response back to XXXX on XX/XX/XXXX stating that the account was not fully paid off without any evidence to provide. 

This is illegal and against the law. Truist can not keep unsubstantiated and incorrect information on my credit report without providing proof tot he contrary. I not only have proof with the letter from Truist bank from XX/XX/XXXX, but I also have a recording of the conversations with Truist Bank admitting they made a mistake and this fell through the cracks. 

I will be pursuing legal actions in the Maryland XXXX XXXX if this is not taken care of as this is a severe abuse of the me as a consumer. I have provided evidence and proof that this has been paid off and Truist Bank continues to practice in a unethical manner. 


Sincerely XXXX XXXX
Product: Debt collection

I have never done business with Capital One Auto Finance, {$11000.00}, I have disputed this with the company and have not received any response with proof of ownership, I have no contract, no agreement, no payment history and I am requesting a wet signature as proof of ownership. I am requesting that within the next 30 days that this is deleted from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Demand statutory compensation of {$1000.00} and deletion of XXXX bankruptcy accounts on my consumer report file. Experian has violated 15usc1681c2 Information resulting from identity theft Consumer agency shall block any alleged information from identity theft within 4 businesses days Experian has failed to do so therefore I am requesting statutory compensation of {$1000.00} and deletion of XXXX bankruptcy accounts on my consumer report file
Product: Credit card or prepaid card

In my Chase account, I received an ad for Chase Sapphire credit card and it said I was preapproved for the card. 

So I applied for it but then was not approved. I got an email later saying it was because I had received a Chase sapphire promotional bonus 48 month ago. 

If that were a criteria, why was I pre-approved for that card? And why was it advertised to me? Now I have to deal with the repercussions of a hard credit pull. 

I am very disappointed with Chase and want them to either give me the card or erase my hard credit pull!
Product: Credit reporting or other personal consumer reports

3 things showed up on my credit report. XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX. Ive disputed all of them to be removed but they havent went away. These are 3 parties and they shouldnt have my information. I would like them removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/XXXX I've sent more than enough docum2 to prove my identification was stolen twice, and I'm stranded from my homw state of XXXX. 

In XXXX I sent proof of established credit from XXXX before my life was threaten by this identification theft that change my name to " XXXX '' instead of XXXX which made my social security card & XXXX  id not match. 

I'm the victim of an federal offense, why do I need to fix my : Not having a fico svore from XXXX. 

My XXXX  credit file has my statment for creditors to review, not allowing my credi card to be approved after sending documents for months in an disgrace. 

I'm XXXX, because the XXXX  XXXX made an clerical error on XXXX name & XXXX data breach has nothing to do with me. Approve my credit before I file an federal lawsuit under the fair credit act.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many information, account or item which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any account or information which is found to be opened due to identity theft. The dispute item do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXXXXXX XXXX Date Opened : XX/XX/2016 Balance : {$5700.00} If you feel there is a possibility this account belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Checking or savings account

Please refer to case number : XXXX Wells Fargo replied with letter but it does not explain why the account was closed. It does however cc CFPB Letter received in XX/XX/2023. 

I have attempted to resolve these issues in person and do not understand why a {$300.00} dollar account was in question! I called Wells Fargo to learn the account was closed due to " suspicious transactions '' I do not understand why this is the case! There were NO transactions made in the short period of time the account was opened! 

I was a customer for over 29 years with no questionable transactions to my account! My mother took me to Wells Fargo when I was a young girl to open an account!!! Life changed and I married so I moved on but was seeking to re-establish connections with Wells Fargo in XXXX, CA where I lived with my family before I married. Everyone at the XXXX XXXX branch knew my mom who is now XXXX yrs old. My ex-sister-in-law worked at the branch as well so you can see the reason why I like to bank in person! I was also on the waiting list for a security deposit box, not all banks offer this service now! I introduced myself to the branch manager to reconnect and greeted long time friends at the branch who asked about my mom! 

I do not accept this illogical explanation for terminating my account by Wells Fargo! This is defamation of character and I am asking you to re-evaluate this case please! 

Please let me know how I can help address this issue or if you need more information on this account or names of the Wells Fargo team I spoke to! I will really appreciate your response! 

Thank you! 
XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S.C. 1681b - U.S. Code - Unannotated Title 15. Commerce and Trade 1681b. Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ) of this section, any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury.

( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

( 3 ) To a person which it has reason to believe -- These accounts are being reported on my credit report unlawfully : XXXX XXXX XXXX XXXX ) collection opened XX/XX/XXXX XXXX XXXX ( XXXX ) collection opened XX/XX/XXXX XXXX XXXX XXXX ( XXXX ) collection opened XX/XX/XXXX XXXX XXXX  XXXX ( XXXX ) account opened XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have been having an issue with United Wholesale Mortgage. They are reporting a late for XXXX of 2024. Recently, I had some fraudelent activity with my bank so I had to get a new bank account number, card, etc. I had called United Wholesale because I have multiple accounts with them and was having a hard time changing this online. I advised I had multiple accounts that needed the banking information changed. They said they had it and I went on vacation to XXXX XXXX. When I came back I noticed a late on one of my accounts so I called again and spoke to a nice rep on the phone who advised that the late payment would be removed XX/XX/XXXX. Well that date came and went and the late continues to report. This was not my error, I did my due diligence, and I was told the late would be removed.
Product: Credit reporting or other personal consumer reports

I got a hard inquiry on my XXXX account through XXXX XXXX when I check my score went down and there was a capital one credit card opened under my name I talked to the bank and the credit bureau I believe my information got leaked when I check my XXXX account they put my old address and a different phone number associated with that card they opened accounts under my name and I want to get rid of the inquiry
Product: Checking or savings account

On XX/XX/XXXX I got funds in my chime account, I'm a new customer they put a restriction on my chime app, won't give me my virtual account information, I haven't received my debit card they said they sent me 2 of them haven't seen either one. I have been lied to about them sending links so I can get into my chime app.its been a week since I have gotten my money. I asked if they would transfer my money to a friend they said no I tried another virtual account so they could transfer money out of chime chime said no, I tried to put money on my build a credit card chime said no. I have been hung up on lied to, I sent my new ID receipt along with my expired ID like they said I could. I have called over 10 times since XX/XX/XXXX. They said I would have to wait 5 to 6 weeks to access my account when my new ID comes in the mail. I got an email saying they closed my complaint and I can reopen if I want to I'm still waiting for them to let me in my account.
Product: Debt collection

Individual amounts totalling less than XXXX were removed from credit report. Now Credit control corporation has lumped them together to get it back on my credit report even though XXXX XXXX sent them as Individual accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting AcXXXX XXXX XXXX XXXX  Account # XXXX has violated my rights. 

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

15 U.S.C Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account with my written instructions.
Product: Money transfer, virtual currency, or money service

I sent XXXX $ to my mail adresss XXXX on my PayPal account I never received the fund, i hoping the money come in times but now it s been. Way to long I want my money credited to my account
Product: Money transfer, virtual currency, or money service

I have a Venmo account that I use often to send and receive money from friends. Most of the time I use the credit cards that I have associated with my account because this is more convenient for my cash flow. I recently tried sending payments from my account that is in good standing using one of my credit cards that is in good standing and has plenty of available credit. It was declined without reason. I thought it was odd and tried using another credit card I have saved in the venmo account. It was also declined without reason. I reached out to support for help and they let me know that they can not override a system decline and that it happened randomly to protect me. I let them know that it makes no sense and why do they allow people to use credit cards on the platform if they are only going to decline them. How is it alright to rely on a service for that service to randomly decline your transactions without reason? In the chat with XXXX XXXX on XXXX I was basically told that although my account is in good standing that they can not approve my transactions. This makes me feel like they are using discriminatory practices to manage transactions.
Product: Credit card or prepaid card

This was a credit card application to XXXX XXXX Bank in XXXX XXXX not bby me but by somebody else. The Bank replied to me saying that " The submitted application has been determined to be suspicious or potentially fraudulent? '' somebody using my information tried to do that, what would they need to try that? my social security number? 
I have lost almost {$100000.00} dollars to fraud by different people. Namely, XXXX XXXX, XXXX XXXX and another man called XXXX XXXX. These people have a syndicate operating out of XXXX, XXXX and I believe they have caused fraud to other people also. 
My XXXX XXXX had {$20000.00} charged to it and they said it was fraud by XXXX XXXX. Other credit cards of mine also have been charged thousands of dollars along with phone purchases from XXXX XXXX XXXX  that I am now having to pay off. 
Thank you for investigating this.