23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

In XX/XX/2019 I made a payment in full to Bank of America, When I spoke to Bank of America they told me no balance remained. It seems that {$1.00} interest may have accrued which I was never notified about.This account went 30 days late without me being contacted even once. I was not aware of this when I was made aware of this i paid it off immediately. Why would I not pay a {$1.00} bill when all my other bills are paid on time. Review my full credit report you will see that. This has ruined my credit worthiness and has caused me damages.
Product: Credit reporting 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 Account NumberXXXX Account Name XXXX XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX XXXX  Account Number:XXXX Account Name XXXX XXXX XXXX  Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX  has violated my rights. Or a list of inquiries : 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 if 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

I requested in writing through certified mail for Transunion to provide me with their method of verification in accordance to the FCRA section 611 to provide me with how they determined the accuracy and completeness of bankruptcy record reference XXXX and # XXXX. This procedure should be with the original furnisher which in this case would be the bankruptcy court which they have listed on file and any other source of verification such as with a third party like XXXX etc isnt acceptable. They have failed to do so and instead just sent me a letter in the mail stating this has been verified through a third party vendor and contains information obtained from local, state and federal courts through a third party. I reached out directly to the bankruptcy court in writing asking if they verify or share such information with any third party vendors like XXXX or verify such records with credit bureaus like Transunion and they said NO they dont. I have this letter attached as proof of Transunion violation and failure to accurately and completely verfy this record with the original furnisher which is the bankruptcy court they have listed on my file. 
They failed to provide any evidence with the original furnisher which is the Bankruptcy court showing this record to be accurate and complete and therefore are in violation of the FCRA section 611. I also reached out to XXXX and they have deleted these records off my file in which I have attached proof of it.
Product: Money transfer, virtual currency, or money service

We have unathorized chargebacks for the amounts of {$1000.00}, {$1900.00} and {$900.00} done to our PayPal Account Transaction IDs : XXXX XXXX XXXX We received these amounts from XXXX XXXX as a payment for renting our house. After the guest left and we payed back the security deposit, we received an email from Paypal that these transactions were unauthorized and charged them back. Paypal did not provide any evidence, justification or dispute letter to justify their one sided decision. They did not request our response to any dispute about these payments and simply withdrew the money. 

We tried to call and email multiple times and sent email to paypal XXXX with evidence of a rental agreement with the amounts that proves that these payments were correct. We did not receive any reply or response. When calling paypal customer service we got different answers from agents. One agent said was that the funds will be refunded, but we never got them back. Then we called again and another agent said that the case is closed. 

Despite the fact that we provided evidence of the rental agreement, payment that were issued, photos of the person staying in our house, details of the deposit refund and more, we have not received back the amounts, nor we got any response or explanation of the chargeback except for the initial " unauthorized transaction '' notification. Paypal has no right to chargeback money without requesting a response from the account holder and then ignoring our emails, or provide wrong and contradictory explanations on the phone. 

There must be a clear procedure of discussing payment disputes, if there were such, with the person who received the payments. The " unauthorized transaction '' decision that was done without requesting any response or give us a chance to contest it is outrageous and illegal. We can prove that the funds were received according to an agreement and we demand to be refunded immediately.
Product: Student loan

I requested a student loan for XXXX but never received the loan because I decided to cancel it before the disbursement. Later only to find out they charged me interest on money I never received. I complained but only got the run around. They continue charging me interest on the interest money they said I owed. They place a bad debt report on my credit causing denial to credit app 's. I set up a repayment plan in which the debit from my bank account only later to charge me all over again saying I never paid. They harassed me every day by calling. Till I paid the the money all over again. Just so they would removed anything they placed on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Have written to XXXX, XXXX and Experian 3 times in regards to XXXX XXXX XXXX ( as well as several other issues on my credit report ). XXXX took over 2 months to reply. Have not received much communication from XXXX nor Experian. IN regards to XXXX XXXX, above, this item was PAID and responsibility of EX Husband, as per divorce Decree, which was clearly stated and copies sent to all 3 credit reporting companies, above. ACCOUNT CLOSED 2013 AND PAID. I would request this be DELETED from my credit report as it is INACCURATE
Product: Credit reporting or other personal consumer reports

I recently review my Credit report and noticed fraudulent and inaccurate items on my report such as accounts and inquires I never authorized. I have exhuasted all resource through the creditors. Please remove all fraudulent accounts thank you.
Product: Money transfer, virtual currency, or money service

my XXXX has not been refunded back to me google wallet verified with me XXXX XXXX on fri no refund was receieved and they keep telling me to call my bank
Product: Credit reporting or other personal consumer reports

I have been dealing with LexisNexis since XXXX. This year wrote XXXX, and more. Some of the error have been corrected but the most damaging remain and the company being very difficult to deal with. Their source of information, when contacted directly contradict their information. They have me with 4 different entries for marriage, when only been married once. My wife, appear single, and one time using my last name which has never being the case. They list a government agency : Nevada Division of Public Health as source, when I contact the agency they indicate they do not share information with LexisNexis. Insurance information is wrong. All documentation has been provided yet, it hasn't been removed or corrected. Email, telephone numbers and addresses appear even though the providers do not operate in the area when I have always lived. Then number of errors are uncountable causing anguish, waste of time, spending money at XXXX XXXX XXXX on Social Security. It is abusive. This have impacted my wife and I for years in higher premiums with the insurance company and our insurance coverage. LexisNexis do not verify their source of information and does not cross reference in case or husband and wife creating a disparaging set of records of husband and wife. Then refusing not to correct it.
Product: Vehicle loan or lease

Lender : Hyundai Motor Finance ( XXXX, XXXX ) History XX/XX/2021 : Purchased XXXX XXXX XXXX with {$7400.00} XXXX 2.5 % XXXX loan from HMFUSA XXXX 
XX/XX/2021 : Made {$6000.00} pmt. 
XX/XX/2021 : Called HMFUSA and asked {$6000.00} to apply towards principal payment. 
XX/XX/2021 : HMFUSA credited another {$6000.00}. Account shows {$0.00} amount due. ( attached exhibit 1 ) XX/XX/2021 : HMFUSA sent a loan satisfaction letter and released the title. The letter states " This letter shall serve as certification and evidence of satisfaction of the above-referenced retail installment contract '' ( attached exhibit 2 ) XX/XX/2021 : FL DMV Vehicle title record shows " There is no lien on this vehicle ''. ( attached exhibit 3 ) XX/XX/2021 : Logged in to check loan status. Payment history shows {$0.00} balance amount. ( attached exhibit 4 ) XX/XX/2021 : Called HMFUSA to inquire about the loan status. CSR confirmed the loan is paid in full and I have 0 outstanding balance. Phone conversation is recorded. XXXX : XXXX XX/XX/2021 : While on vacation, received a call from HMFUSA that I now owe HMFUSA. I explained that I've received loan satisfaction letter and title was released. Asked supervisor to call me. Never received the call for any explanation of change. 
XXXX : Back from vacation, logged in to the same account. Payment history is changed. ( exhibit 5 ) The principal balance changed to {$1400.00}. It also displays Total amount due {$890.00}. " Your account is XXXX day ( s ) past due '' ( exhibit 6 ) XX/XX/2021 : Called HMFUSA to inquire more. Not answering.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in blocking the erroneous information that is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission.
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I just look at my credit report and I see something in collection from XXXX. I don't have XXXX, this cable/cellular account isn't line
Product: Credit reporting, credit repair services, or other personal consumer reports

I called the 3 Credit Bureaus after I purchased a credit report with XXXX on XX/XX/22. After receiving a copy of my report, I saw these UNVERIFIABLE accounts on my personal profile, I noticed that there were erroneous accounts on my credit report which are misleading to me. I sent a letter to the 3 credit bureaus on XX/XX/22. I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT # XXXX, XXXX, and XXXX and hoping that these accounts will be corrected. 


XXXX XXXX Balance : {$9500.00} XXXX XXXX XXXXXXXX Balance : {$7300.00}
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and EXPERIAN has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting or other personal consumer reports

Someone has applied to a credit report on XX/XX/year> that was not me
Product: Payday loan, title loan, personal loan, or advance loan

In XX/XX/2020, XXXX, vacuum cleaning company visited our house for product demonstration. The product was great when it was presented to us. The product was quoted for around {$2200.00}. I agreed to get XXXX and was offered for 24 months installment with their financial services and was advised of the payment. The XXXX agent told me that I must talk to them first, so i did. Beside the conversation over the phone, i didnt get document to at least read, they did not disclose all the information that the loan amount was for $ XXXX i am definitely, sure and i am positive that if this is the loan amount for vacuum then i will not get it, truly unacceptable. We are just an ordinary family, making salary just right and enough to pay bills and food, the main reason why we agreed to buy is to help my kids with their XXXX, but i was so surprised when i called today to check the payment history as I was expecting that i only have XXXX month left and im paid off. XXXX and United Consumer Financial are not disclosing all the information we need as a consumer and I badly need your assistance. They are not true to their clients and i dont want other people to suffer like what i am having right now. 

Sincerely.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Last XXXX SSN : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX Date Of Birth : XXXX To whom it may concern : I was just looking over my credit report and found some addresses that appear to be incorrect. I've enclosed documentation providing proof of my current address, as instructed to do on your website. To make your process of deletion easier, here is a list of the incorrect addresses that I am currently seeing listed ( which I would like removed please ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : Remove this address from my credit report XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : Remove this address from my credit report There should only be XXXX address listed on my report, which is XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I also noticed that my name appears to be misspelled on my credit report. My name only has XXXX correct spelling, and there should be no variations listed because my name has no variations. My photo ID is enclosed to show the correct spelling. Once again, in order to make the process of deletion easier, here are the incorrect spellings I see listed : ( Incorrect Names ) XXXX. XXXX XXXX XXXX : remove this name from my credit report XXXX. XXXX XXXX : remove this name from my credit report XXXX. XXXX XXXX : remove this name from my credit report XXXX. XXXX XXXX : remove this name from my credit report XXXX. XXXX XXXX XXXX : remove this name from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I settled with XXXX XXXX XXXX XXXX XXXX collection agency for 3 payments of {$1500.00}. I made my first payment on XX/XX/2020. The amount of my payment was reported to all 3 credit bureaus Trans Union   XXXX   and XXXX. On XX/XX/2020 Trans Union updated my payment and the balance went from {$5400.00} to {$4600.00} which helped my credit score. The other two reporting agencies XXXX  and XXXX  then followed reporting correct information. I am in the middle of purchasing a home and on XX/XX/XXXX my credit score was effected due to a major change on my Trans Union score on this date they reported my XXXX XXXX account that I just settled with back to {$5400.00} so this showed that the balance increased when it did not! I contacted Trans Union and XXXX XXXX XXXX. XXXX XXXX financial advises they reported the correct information and that Trans Union made a mistake. Trans Union has now updated the correct balance today as of XX/XX/2020 and now my credit score has dropped 31 points and 44 points on my mortgage score and now I can not close on my house!!!!!!!!!! If this was never reported incorrect on Trans  Union my scores would of not been effected!!!!! 

After contacting XXXX XXXX and they sent official documents showing they never reported to Trans Union the increased balance I feel like Trans Union system is reporting inaccurate balances on my credit report. This has happen again today on XXXX I paid XXXX on XX/XX/XXXX and my balance reflected XXXX as of XX/XX/XXXX. Today my balance went back to the old information of XXXX causing my credit report to decrease and impact my credit score once again. This is impacting my score negative every time I pay it and I need this to cease immediately or removed this account front my credit report.
Product: Mortgage

On XX/XX/XXXX, my home was XXXX XXXX XXXX XXXX. XXXX XXXX XXXX merged with Shellpoint on XXXX or XXXX XX/XX/XXXX. 

They sent letters, saying my account # would not change, then when I called about the Insurance loss, they could not help me, because information was not in their system. 

Finally on XX/XX/XXXX, shellpoint drafted my mortgage payment from my bank account. The Loss Draft department indicated I still needed to wait to send the check. 

On XX/XX/XXXX, the Loss Draft dept sent me forms and instructions about the process. I followed instructions and they received the check for {$19000.00} on XX/XX/XXXX. 

I call on XX/XX/XXXX and I am told they can not process the check because they do not have sufficient information in another computer system. 

This is going to delay the completion of repairs to my roof, and if more damage occurs, because the XXXX has not been XXXX, I am not sure the insurance company will care that my mortgage was moved from one company to another. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

after reviewing my report an account has appeared on my credit report without my knowledge or consent. 

I have never conducted any business with the company associated with this account, nor have I given them permission to report any information to the credit bureaus. In an effort to resolve this matter, I requested a copy of the wet signature and contract from the company in question ; however, they have not provided any documentation to substantiate their claim. 

I am concerned about the impact this unauthorized account may have on my credit score and overall financial well-being. I would appreciate your guidance on how to proceed with blocking this account and ensuring that my rights as a consumer are protected.
Product: Credit reporting or other personal consumer reports

The presence of these unauthorized accounts and inquiries has caused considerable concern about my financial stability. It is crucial that my credit report accurately represents my financial history, as it plays a vital role in informing potential lenders about my financial management. Therefore, I am requesting an urgent investigation and swift correction of the following inaccuracies and unauthorized accounts. 

Charge Off XXXX XXXX - XXXX - {$2900.00} XXXX  XXXX - XXXX - {$1100.00} XXXX - XXXX - {$0.00} XXXX  - XXXX - {$11000.00} Inquiry XXXX XXXX - XX/XX/2023 XXXX  - XX/XX/2023 Personal Information Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX Employers : XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit reports and found multiple unauthorized hard inquiries that I did not approve. On XXXX, there are hard inquiries from XXXX XXXX ( XX/XX/year> ) and XXXX XXXX ( XX/XX/year> ). On Experian, inquiries from XXXXXXXX XXXX XXXX  ( XX/XX/year> ) and XXXX XXXX ( XX/XX/year> ) appear without my authorization. The XXXX XXXX inquiry on Experian should be a business inquiry and should not be on my personal credit report. I did not apply for credit with these lenders, nor did I authorize these inquiries, and they are negatively impacting my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX XXXX I file letters to XXXX, XXXX, and XXXX To remove bad information from my credit report within 30 days I received letters back that the information that they had was verified by LexisNexis. LexisNexis has no right to this information. 

On Letters XXXX XXXX XXXX  I sent out letters to Lexis Nexis to remove my personal formation from their systems. Because they have violated upon my consumer rights to privacy. 15 USC 1681 ( a ) ( 4 ) Violation Upon a Consumers right to privacy. 

CCPA Rights Right, to Limit the Use or Disclosure of Sensitive Personal Information You have the right to limit the use or disclosure of your sensitive personal information. Sensitive personal information may include but is not limited to information such as your social security number, drivers license number, state identification card, passport number, financial account information, or precise geolocation. A request to limit the use or disclosure of your sensitive personal information will prohibit your sensitive personal information from being used or disclosed except for certain uses provided by law, including but not limited to : Detect security incidents, resist malicious, deceptive, fraudulent, or illegal actions, and to help prosecute those responsible for such actions.