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

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Again, I was going through my records & noticed the fraudulent information and accounts which do not belong to me STILL reposting on my file in Transunion. The other bureaus have already DELETED these fraudulent information so my question is why do you still report these damaging records? I have already disputed these items several times and stated that I am an identity theft victim. I even forwarded my FTC report I filed online on their website along with my personal information and documents but still you chose to continue reporting these items. Credit Bureaus are bound to comply with the FCRA regulation section 605b but you never cared nor paid any attention to my Disputes. You became negligent of the FCRA law and continued reporting these information on my Credit File without Proper Verification nor Investigation. Now, I want you to REMOVE these items from my file like the other bureaus have done. 

XXXX XXXX XXXX Date Opened : XX/XX/2014 Balance : {$5600.00}, XXXX XXXX XXXX Date Opened : XX/XX/2014 Balance : {$2400.00}
Product: Money transfer, virtual currency, or money service

Entities Involved - Chase Bank, XXXX, XXXX XXXX, and XXXX XXXX XXXX I use Chase Bank for my banking needs. I hold a checking and a savings account with them. They have an affiliated service- XXXX- for money transfers that uses phone numbers or emails as identifiers to send money. 

On XX/XX/XXXX, I made a payment of {$1700.00} to an individual known to me by using her email which is linked to her XXXX Account. 

I was told by the individual that she has not received my payment. 
On receiving this news, I called Chase Bank 's customer care number and visited their branch in XXXX XXXX to seek help. They registered a claim on XX/XX/XXXX. They responded on XX/XX/XXXX, that the money was received by the individual - the intended recipient of the money on the account linked with her email address on XXXX. 

I again went back to the individual stating that the bank has completed an investigation and that they are claiming that the money is with you. The individual responded by providing me an email copy from her bank- XXXX XXXX - that no such money has been received in her account linked with XXXX with them. 

I went back to Chase to reopen the claim on the basis of this document. They came back saying that the money was received by the intended recipient in the bank account linked with the email and her XXXX account. 

On my repeated queries with the bank to figure out the whereabouts of my money, one of the customer care executives/investigation team members suggested that I request the intended recipient for her bank statement for the month. I complied and requested the bank statement from the intended recipient. The individual was not comfortable with sharing the banking statements but assured me that she will check with her bankers again. She wrote back by email saying that she went to both her bankers ( XXXX XXXX XXXX  and XXXX XXXX  XXXX ) where she has different XXXX accounts. She categorically wrote in the email that both banks denied receiving any such amount. 

On XXXX XXXX XXXX, XXXX, I requested Chase Bank and XXXX separately to provide me with the details of the bank account where they believe the money is deposited. They have not provided this information citing privacy concerns and are not paying heed to the fact that the intended recipient checked with both banks about the money and came with the same reply that the money was not received in her accounts. 

In the end, I don't know where my money is sitting and the information about this is sitting with Chase and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I contacted XXXX XXXX because there are 7 hard inquiries on my credit report that I am not familiar with. I asked them to investigate this matter and they did not attempt to do so. Instead they told me to contact these companies the inquiries are based out of and do it myself. The inquiries include XXXX  XXXX XXXX XXXX, XXXX XXXX Capital One, XXXX XXXX, XXXX and XXXX XXXX. They will all likely not be able to verify my correct information so I was hoping someone could get these inquiries removed from my credit report as soon as possible as it is damaging to my credit. 

My Information is as follows XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX, OH XXXX My contact phone is XXXX My Social Security and Birthdate are XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Opened account with capital one bank on XX/XX/23. Capital one closed my account for suspicious activity. Ive been calling capital one for several months to release my funds. Ive uploaded an ID for verification. I spoke with XXXX ID # XXXX and he stated they dont have a time frame as to when my funds will be released. I have several credit cards and auto loan with capital one so Im not sure how my account is fraudulent.
Product: Credit reporting, credit repair services, or other personal consumer reports

Remove all inquiries off my report please never applied for nun of these accounts fraudulent please remove
Product: Mortgage

I am in a HAMP and just received my first escrow analysis in 4.5 years. It has raised my payment by {$330.00} a month. I feel that I should have been notified yearly to any shortages and allowed to stay current with a small increase and not hit with a huge increase all at once. I entered a HAMP so I could stay current on my home and feel I was lied to by the company not notifying me of the yearly increases which were not large, but after 4.5 years have added up to an unfair increase. Also, I feel they never put the proper amount into Escrow to start.
Product: Prepaid card

We purchased an AMEX prepaid gift card from American Express in XXXX XXXXXXXX, I have never been able to use it, every store declines it, in person and online. I've called AMEX many times and they won't do anything, they just keep saying try another merchant, the card is active etc... it has XXXX on it right now and is completely useless.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an account with Nordstrom/TD Bank that was opened in/around XXXX of XXXX. The account was placed in charge-off collection status in XXXX of XXXX. This is ONE account. Yet it is now -- and has for some time -- been inaccurately showing up on my account as having 37 ( THIRTY-SEVEN ) different charge-offs. I don't even know what collection agency has the account at this time, but I do know that ONE account should not be showing as 37 separate charge-offs. This is unquestionably bringing my credit score down, and unnecessarily at that. There is a SINGLE amount owed. I opened ONE account with Nordstrom, NOT 37, regardless of how many different collection agencies this account has fallen into the hands of. This information needs to be updated to ONE ( 1 ) charge-off or removed from my credit report altogether. Because the reflection that I have 37 various charge-offs with Nordstrom is fallacious.

As a resident of VA, I am protected by the federal Fair Debt Collection Practices Act ( FDCPA ), and Nordstrom is engaging in an abusive collection practice by leading me and would-be/future creditors to believe that I have 37 actual charge-offs with them, when in fact, it's ONLY ONE. This is working to prohibit me from being permitted to open future accounts with other creditors and limiting my financial growth This information needs to be updated to only ONE ( 1 ) charge off as opposed to 37, or this account needs to be omitted altogether. I have attempted to reach out to the parties who might be responsible for this, but have gotten no response.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX  Ss is reporting a late payment that occurred during the CARES Act FCRA accommodation period. Despite being current on payments during this period, an accommodation was granted and payments were brought up to date, yet they still show a 30-day late payment. According to the CARES Act, if a consumer was current on their obligation at the time of an accommodation approval, the account must be reported as current as long as the consumer is complying with the accommodation agreement. Additionally, if a delinquent consumer catches up during the accommodation period, the creditor must report the consumer as current. I have attempted to resolve this discrepancy multiple times with Experian, XXXX, and XXXX. In XX/XX/2023, I disputed this and requested verification that my late payment did not meet the CARES Act FCRA amendments. 

Payments were due on the XXXX, I paid XX/XX/XXXX and XX/XX/XXXX. Payments were caught up and therfore lates must be removed Acct XXXX
Product: Money transfer, virtual currency, or money service

Venmo has unexpectedly closed my business account and has said it does not have to tell me why. I have never had a chargeback and am signed up as a business account vs a personal account and have been happy to pay the business fees as legally bound. 

With Venmo closing my account ( which I understand as a private business they have that ability and do not have disclose why, despite being incredibly frustrating ), they are holding over {$1700.00} in funds for the next 6 months to " protect themselves against chargebacks ''. I have NEVER had a chargeback and in fact, the funds that are there are for purchases that have already been received by the buyers without any issue. 

I believe that Venmo, in addition to other money apps such as XXXX, hold funds from small businesses so that they can earn interest on these funds before having to release them to the business. It's incredibly harmful to small business owners to have funds held for no good reason. I would understand a small portion MAYBE for chargeback protection, but I've had this account for over 2 years with zero issues and zero chargebacks. Venmo even reversed a transfer I had initiated ( I always transfer money immediately for exactly this reason ) before they sent me an email saying they were closing my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX account # ending in 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.

15 U.S.C 1666B : A Creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Debt collection

I received a call from XXXX from NCC Business Services XXXX XXXX XXXX XXXX, Florida XXXX today. This is the 10th call I have received during the past few months about a debt that I never owed but they won't stop harassing me. I have no debts and never have had any debts and I learned from the internet from various websites that this company is fraudulently calling people trying to scam them into paying non-existent debts. I hope you can stop this scam.
Product: Credit reporting or other personal consumer reports

I am formally requesting this letter to update the following accounts in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency generates a consumer report, it must follow reasonable procedures to ensure the maximum possible accuracy of the information related to the individual to whom the report pertains.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, following a reinvestigation under paragraph ( XXXX ) of any disputed information by a consumer, an item is determined to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must ( i ) promptly delete the disputed item from the consumer 's file, or appropriately modify the information based on the reinvestigation results; and ( ii ) promptly inform the furnisher of the information that the item has been modified or deleted from the consumer 's file. 

Please remove the following items from my credit report immediately : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/2020, I tried to make a minimum payment on the Apple Master Card. Since it was my first payment to this new card and the Apple Card website is not well designed, I made a huge payment of {$930.00} which was not my intent. I wanted to pay the minimum this month as I have to take my wife to her doctor and pay cash. The following morning I called the Golden Sachs Apple Card customer service center only to hear from a Supervisor that it was too bad that I made the mistake of paying too much and they refused to put a stop on the payment like other Card banks have done as a courtesy.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to my research about FCRA 605, credit bureau are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported is creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that CREDIT BUREAUS must remove are listed below : XXXX XXXX XXXX XXXX XXXX, WI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX WI XXXX ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$400.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX  Balance : {$94.00} ; 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: Payday loan, title loan, or personal loan

I closed my account with Self the second week of XX/XX/XXXX. I received an email acknowledgement that my account was closed. The email stated that I would receive a refund via check. I contacted Self on XX/XX/XXXX to report that I had not received my check. I was told that a direct deposit would be processed. In the meantime, received the my heck on XX/XX/XXXX. I contacted Self to report that I finally received my check and asked if I could deposit the check into my account. I received a message from a Self XXXXe that said that I could cash the check or deposit the check into my bank and that they were happy to hear that I received my refund. I deposited the check and Self had placed a stop payment on the check. This caused me to incur an returned check fee of {$20.00} on XX/XX/XXXX. My refund check was for {$18.00}. Self reached out to me and asked that I send them a screen shot of the returned check fee. I sent them the screenshot. I've asked for an update on this and no one from Self is responding. For every day that my account remains over drafted, I run the risk of incurring additional overdraft fees.
Product: Credit reporting or other personal consumer reports

I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action.

Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and FCRA 605B ( Identity Theft Claims ). These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report.

DELETE THIS ACCOUNTS IN MY CREDIT REPORT IMMEDIATELY!
Product: Credit card

I contacted Shell Citibank XXXX XXXX. I called customer service. I asked them about a credit limit increase if it was a soft or a hard inquiry. I explained I was going to go for a major purchase and I ca n't have any hard inquiries on my credit. They said they could not answer this question. They said since you have a fraud alert to fill it out online and they will contact me before they pull the credit whether its soft or hard. This did not happen it was a hard pull the next day. I spoke to several supervisors the XXXX XXXX I spoke with said it would take up to 10 days to remove it. This did not happen. I dealt with citi executive response I spoke to a woman named XXXX XXXX she can be reached at XXXX. She did nothing at her level to resolve the issue. She said because I filled out online with my income what I was told to fill out by customer service. That I authorized my credit to be ran. She did nothing to address the negligence and incompetence of the company representative misinforming me. She does not even care I might be denied for my large purchase because of this inquiry. I think this is a very dirty tactic that they play. I have allready filed a complaint with the ftc also. I am sick and tired of companys not being held accountable by people who work for them and misinform customers. Everything was all done over the phone. My credit was pulled once through XXXX. XXXX no longer allows you to dispute through the credit bureau only with the creditor.
Product: Credit reporting or other personal consumer reports

Transunion is reporting several accounts on my credit report inaccurately which is a clear violation of my rights. Under 15 USC E ( b ) whenever a consumer reporting agency prepares a consumer report is shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual and whom the report relates. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have 8 accounts reporting inaccurately. Trans Union is reporting eight different accounts inaccurately because date last active is different on every account and they claim to be reporting information accurately but the date last active is different on each bureau. The information is coming from the same source so the information couldnt be different if theyre getting the information from the same source. How can you claim to be reporting information accurately, but it doesnt align with the other two bureaus. Each bureau should be reporting the same information but theyre not because the information is inaccurate.
Product: Credit reporting or other personal consumer reports

My identity has been stolen and fraudulent items are on my credit report. I have not supplied proof under the doctrine of estoppel by the silence XXXX. XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX presumed that no proof of the alleged debt therefore any such debt in fact exists. ( please remove these accounts before i seek litigation for defamation of character ).
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Maryland XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir or Madam : This letter is in reference to a paid collection with the account number : XXXX In XXXX a collection for the amount of {$0.00} was sent to your agency due to a series of hardships and medical problems in my life. While I normally make a great strides to fulfill my debt management responsibilities, at the time of the debt I was unfortunately unable to. 

Since then, I have gotten back on my feet and have paid off this debt to your agency. 

A am now trying to buy a home, but the negative item on my credit report has made getting a mortgage complicated. I cant get an affordable interest rate because of the collection on my credit record. 

I am hoping, given the date and amount of this collection, if your collection agency would consider removing this collection from my cr5edit report as a gesture of XXXX. 

This kind gesture would sincerely be appreciated and a invaluable gift to my family as we build stronger personal finances. 

Sincerely XXXX XXXX Date of Birth : XX/XX/XXXX SS # : SS # : XXXX
Product: Credit reporting or other personal consumer reports

Inquires on my credit report that I have no knowledge of and/or did not personally authorize.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX **Consumer Financial Protection Bureau** XXXX XXXX XXXX XXXX XXXX IA XXXXXXXX XXXX XXXX  XXXX **Subject : Complaint Regarding Missing Credit Report Information from Experian** Dear Consumer Financial Protection Bureau, I am writing to formally file a complaint regarding Experian 's failure to report my credit information accurately. Despite maintaining multiple credit accounts in good standing, my Experian credit report is either missing or incomplete, which is impacting my credit score and overall creditworthiness. 

According to the Fair Credit Reporting Act ( FCRA ), consumers are entitled to have accurate and complete information reported in their credit files. Section 611 of the FCRA ( 15 U.S.C. 1681i ) mandates that credit reporting agencies must investigate and correct any inaccuracies or incomplete information within 30 days of a dispute being filed. 

I have contacted Experian multiple times to resolve this issue, but my efforts have not yielded satisfactory results. The lack of accurate reporting on my Experian credit report is causing significant inconvenience and potential financial harm. 

I request the Consumer Financial Protection Bureau to investigate this matter and ensure that Experian updates my credit report with accurate and complete information in accordance with the FCRA. 

Please find attached documentation supporting my claim, including my credit reports from other credit bureaus and correspondence with Experian. 

Thank you for your prompt attention to this matter. Please keep me informed of the progress and resolution of this complaint. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX