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

XXXX ; XXXX and Transunion are reporting incorrectly a collection in the amount of {$4400.00} on the XXXX/XXXXXXXX XXXX XXXX XXXX partial account number XXXX. ( Please see page 29 of the attached credit report. ) This account is over ( 7 ) years old from the of last activity and reporting this is a violation of the Fair Credit Report Act. This incorrect reporting is harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to fix this, however I have been unsuccessful.
Product: Credit reporting or other personal consumer reports

Subject : Dispute Regarding Inaccurate Reporting of XXXXXXXX XXXX XXXX XXXX  Account # XXXX I am writing to dispute inaccurate information on my consumer report under the Fair Credit Reporting Act ( FCRA ). The following account appears to have reporting inconsistencies : Account Name : XXXXXXXX XXXX XXXX XXXX  Account Number : XXXX Opened : XXXX  I believe this account is not reporting accurately. Please investigate this account, verify its accuracy with the data furnisher, and provide me with the outcome of your investigation. If inaccuracies are found, I request that you update or remove the incorrect information as appropriate. 

To assist in your investigation, I have enclosed a copy of my consumer report with the account in question highlighted. I have also included a copy of my identification and proof of address. 

Please complete your investigation and notify me of the results in writing. Should additional information be required, do not hesitate to contact me at XXXX Thank you for your prompt attention to this matter. 

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

Attached is a complaint with the XXXX XXXX XXXX illustrating the company " XXXX XXXX XXXX '' aka XXXX XXXX  ( XXXX ) admitting to several counts of fraud including illegally using my information to open a credit account and sending my personal information to third party affiliates. This complaint is being filed in a string of complaints to " TRANSUNION '' and " XXXX '' for inadequate investigating processes which have concluded this fraud account as " VERIFIED ''. All parties are in violation of : 15 U.S. Code 1681b ( a ) ( 2 ) CRAs need written instruction to make a consumer report by the consumer. Without written instruction this consumer reporting agency has committed fraud by using my identifying information without any lawful authority to furnish this information on my consumer report. Per this law XXXX has committed identity theft and it is a violation of 15 U.S. Code 1681b ( a ) ( 2, based on this violation all accounts listed below must be DELETED.
Product: Checking or savings account

I opened a business checking account on XX/XX/2021 at Chase Bank by depositing {$100.00}. I provided the corporate documents required to open the account at my local branch. Subsequently the next week, I deposited three checks using mobile deposit. I recently closed on a property and deposited the security deposits and XXXX rent in the amount of {$1600.00}. 

I reviewed my balance using online banking to confirm deposit of the checks. However on XX/XX/XXXX, I attempted to deposited the XXXX rent check and discovered that Chase Bank closed the account and withdrew the funds out of my account. I contacted Chase Bank on XX/XX/XXXX and was informed that the account was flagged for suspicious activity. The fraud department informed me that they must manually verify/authenticate the checks. This required that I and my two tenants are on the phone at the same time. The representative stated that if I had responded to a letter, then the account would not have been closed. 

My tenants were not available to speak to them until XX/XX/XXXX. We spoke to a representative who authenticated the checks and tenants. I was informed that it would take between two to five business days to place the funds back into the account and 24 hours to reopen the account. 

I went to my local branch on XX/XX/XXXX to close my accounts because I was highly displeased with the customer service and business practices of Chase Bank. Upon arrival, I was informed that no funds were deposited to my account. The local branch manager escalated this matter on my behalf. I was informed at that time, that the funds would be deposited by the end of business on XX/XX/XXXX. 

I called Chase Bank again on XX/XX/2021 to inquire about the status of the account. Again, I was informed that it was open. However there are no funds available. I was told that I couldn't speak to another supervisor until 1-2 business days later. 
It has been 30 days since I have deposited these checks and still do not have access to my tenant 's funds. 
I am told that it will be another 3-4 business days. This is utterly unacceptable!!!!
Product: Credit reporting or other personal consumer reports

XXXX  Bank This is considered a RE : Investigation and not a duplicate complaint for the same issues. I have included updated information ; and also advised of failures that are still affecting current consumer report. 
Please delete accounts XXXX Bank XXXX  Account # XXXX XXXX Account # XXXX for violations of FCRA Section 623 for Failure to enter Notice Of Dispute by XX/XX/XXXX You received my complaint on XX/XX/XXXX, XXXX  Bank is violating specific laws continuously XXXX XXXX XXXX XXXX XXXX ) ( B ) Accuracy of Report According to XXXX XXXX XXXX XXXX XXXX, XXXX, and XXXX  are XXXX to ensure MAXIMUM POSSIBLE ACCURACY. These accounts violate these laws 15 USC 1681 ( i ) ; 15 USC 1681S ( 2 ) ; 15 USC 1681 ( i ) 5 ; 15 USC 1681 ( E ) ( B )
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a few questions about inquires on a credit report. Is it true that in order to pull someones credit report, you need permissible purpose to do so? If that is the case, then why did the company below pull my credit report without my authorization? 

XXXX XXXX XXXX XXXX XX/XX/2020 XXXX I never authorized these inquiries. 
XXXX XXXX | XX/XX/2020 N/A I never authorized these inquiries. 
XXXX XXXX | XX/XX/2020 N/A I never authorized these inquiries. 
XXXX XXXX  | XX/XX/2020 N/A I never authorized these inquiries. 
XXXX XXXX | XX/XX/2020 N/A I never authorized these inquiries. 
XXXX XXXX  XXXX XXXX XX/XX/2020 N/A I never authorized these inquiries. 
XXXX XXXX | XX/XX/2020 N/A I never authorized these inquiries. 
XXXX XXXX | XX/XX/2020 N/A I never authorized these inquiries. 
XXXX XXXX | XX/XX/2020 N/A I never authorized these inquiries. 
XXXX XXXX  | XX/XX/2020 N/A I never authorized these inquiries. 
XXXX XXXX XXXX XXXX XX/XX/2020 N/A I never authorized these inquiries. 

From my understanding, that is against the law right? Because I did not authorize the companies above to pull my credit report, please delete these inquiries today. 
Thanks
Product: Credit reporting or other personal consumer reports

I have previously disputed derogatory account with XXXX XXXX  on multiple occasions and TransUnion has failed to do a proper investigation into this charged off account. Transition states that I did not provide proof of my mailing address which isn't true as my mailing address is on my bank statement along with a copy of my state issued ID, and social security card. According to FCRA credit reporting must be complete and accurate.TransUnion has violated US Code 1681e ) b ) by continuing to report this delinquent account that clearly shows errors. Payment history is inconsistent and incomplete.XXXX shows no payment history, XXXX shows charge off each month, XXXX shows incomplete information as well.Date of last activity is incomplete, date off first delinquency incomplete, delinquency first reported incomplete. I requested a method of verification from TransUnion on XXXX according to15 USC 1681i ( 7 ) which mandates XXXX  days for TransUnion to respond providing me with the information or the derogatory account must be removed. TransUinon has failed to complete a proper investigation which is shown by all of the errors with the account XXXX XXXX.This is not a request for another investigation or a chance to correct the report.This is a demand to DELETE derogatory account XXXX XXXX  and pay me {$1000.00} for the FCRA violation.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Unfortunately, I have identified several in accuracies on my credit report and subsequently reached out to the credit reporting agencies to address these issues. However, the credit reporting agencies have not adhered to federal trade commission regulations and have failed to correct these discrepancies. Unfortunately, I have found several inaccuracies and unauthorized inquiries on my consumer report and would lithe accounts updated effective immediately. Personal information. only the name. XXXX XXXX XXXX should be present on my consumer report I would like all of the following names removed. 


XXXX XXXX XXXX Only the address XXXX XXXXXX/XX/XXXX XXXX, TX XXXX Should be present on my consumer report. This address is correct. Any other addresses are in accurate and does not accurately represent me as a consumer I can not be reached nor contacted at any of these addresses .. the following addresses must be removed XXXX XXXX XX/XX/XXXX these addresses must be removed immediately In the I would like this in accurate information removed from all forms of my consumer report. Which is my right under 15 USC 6802. EMPLOYERS XXXX XXXX XXXX XXXXXXXX this information must be removed from my credit report because it is incorrect. these institutions. I do not know where this information came from. Please remove this incorrect information from my credit report
Product: Debt collection

On XX/XX/XXXX, I contacted Goodleap about the damages done to the my roof. They claimed that they were only responsible for offering the finance and refused to fix my roof because the solar company XXXX went out of business. I contacted GoodLeap several times and they refused to pay for the damages for a loan they financed! In addition, this company prevents customers from updating any payment information on their website as well as the records they have. It is very difficult to resolve this matter as I reached out to my state senator to address this matter. After this they have repeatedly denied they are responsible and constantly claimed that they are the financier. They have done nothing to rectify the matter. On XX/XX/XXXX I placed on a payment plan, I agreed to make my first payment on XX/XX/XXXX. I received a slew of emails and messages that made me make a payment when we had already agreed to an ACH debit transaction. On XX/XX/XXXX, they took 3 payments and refused to retuned the funds for the overpayment to my checking account. When I spoke to a rep. she stated that I made an error. I was like, how did I make an error when one payment was already credited to the account. When I asked assistance, I was told that there was no one to assist or refund my money for the excess payments! I was bombarded with text messages and emails that had me paid more than once, this is bullying and it needs to stop!

Since then, GoodLeap and its representatives have continued either through texting, and today sent a representative to my house with a threat to take legal action, even after they have yet to pay for the damages to my roof which they acknowledged as the financier but do not wish to take responsibility for the damages for the company which mysteriously went out of business.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX I MOVED OUT OF RESIDENCE XX/XX/2021 UNDER AGREEMENT BY LAW. THERE WAS NO BALANCE DUE AN ACCOUNT WAS OPENED FRAUDULENT IN XX/XX/2021 I REQUESTED DOCUMENTS OF CONTRACT, SIGNATURES AND DISPUTED NO DOCUMENTS EVER WAS RECEIVED NOW STATUS IS IN COLLECTION. 
THIS IS AGAINST THE GUIDELINES ALSO XXXX IMPROPERLY SENT XXXXXXXX XXXX INACCURATE CREDIT SCORE WHICH I WAS DENIED A ACCOUNT BECAUSE MY CREDIT SCORE IS XXXX NOT XXXX
Product: Debt collection

XXXX Illinois electric company has hired a debt collector " The Cbe Group Inc-former '' to attempt to collect {$1000.00} from me on a electric bill that is not mine. I am on the national do not call list and they call me at work even after I tell them they are breaking the law. I don't have this debt and it is innacurate. 

This has impacted my credit score and effected my personal and work life.
Product: Credit reporting, credit repair services, or other personal consumer reports

Bonneville Collections is reporting a debt on my credit file that i do not owe. I recently checked my credit and noticed this debt on my credit file, I called immediately and paid the debt off.I never received any phone calls or any collection letters or notices about this debt and I'm pretty sure this violates my 30 day right to dispute.
Product: Checking or savings account

I 've been having problems with my checking account and overdraft charges. It 's gotten so bad that I 've been sending my auto loan payment in to the same bank late now for a few months. Is there anything I can do to try and get these fees refunded to me so I can breath again?
Product: Credit card or prepaid card

My complaint is with Lowes. The card is with Synchrony Bank who handles the Lowes Credit Card. I have 2 fixed rate project loans on my account at XXXX and XXXX percent. The regular purchases are charged at about 27 %. When I make payments they are applying my payments to the fixed rate loans at the low interest rate and letting the regular purchases carry from month to month. This is resulting in a lot of interest being charged to my account. This has happened repeatedly. When I complain they rebate the interest to me and say it is fixed but it isn't fixed and it happens again. Just today I had to call them because I had {$700.00} on the regular purchases at 27 % because they applied my payment for this to the fixed rate I had called them to make the payment and told them specifically to apply the payment to the regular purchases. If I wouldn't have caught it it would have stayed on my account at 27 %. As I said this keeps happening, it is obvious they are doing it on purpose to get more interest. I know by law they have to apply your payments to the higher interest rate. If they are doing it to me they are no doubt doing it to many other people. I think there needs to be an investigation into this.
Product: Checking or savings account

I deposited a check via ATM on XX/XX/23 in the amount of {$1200.00}. {$970.00} of the deposit was placed on hold pending verification of funds. Two hours later the remaining {$220.00} was also placed on hold. The deposited check cleared the issuing bank on XX/XX/23 and the funds were transferred to my bank. On XX/XX/23 my funds are still being held. The fraud department cited the reason as being because it is a new account. According to the account agreement, an account is defined as new if it has been opened less than 30 days and my funds will be available on XX/XX/23. I opened the account 54 days ago on XX/XX/23. It is not a new account by their own definition. Additionally, there is no valid reason to continue to hold funds that have already been paid by the bank that the check was written on.
Product: Student loan

I am in a repayment program with the XXXX. I have been making successful monthly payments at the agreed upon amount for the past nine months. The XXXX has my correct contact information. For no valid reason, the current account assignment, GC Services LP, has dug deep to try and harass my family. They were caught calling my mother asking for my XXXX brother so they could ask him for my contact information ( despite already having it? ). It is unclear how they knew my brother 's name, seeing as I have never provided it on any loan document and would have no reason to, since he 's XXXX. When I called GC Services LP to complain, they said they " have resources '' to find such information. This debt collector should be immediately removed from all approved contracting lists of the federal government and the XXXX needs to quit wasting my tax dollars on " assigning '' paid up accounts to unnecessary debt collectors just because at one time in history I had no means with which to pay. A valid, paid repayment agreement directly with the Department should immediately bounce a loan account out of the XXXX XXXX and back into the XXXX XXXX system. It 's really not that hard to not waste my tax dollars. Try it sometime.
Product: Student loan

I previously submitted a complaint on XX/XX/XXXX. The complaint ID is XXXX. On XX/XX/XXXX, the Department of Education announced an extension on the deadline to recertify any IDR loans to earliest XX/XX/XXXX. My original deadline to recertify my SAVE plan with Mohela was in XX/XX/XXXX, so my deadline should have been pushed. Mohela did not follow this guidance from the Department of Education and took me off my SAVE plan. See link to the announcement here : https : //studentaid.gov/announcements-events/idr-recertification-extended On XX/XX/XXXX ( screenshot below ), after waiting for Mohela to update my account to reflect this new information and seeing they had not updated anything, I sent them a message asking when it would be updated. They responded saying they were " working on updating accounts. '' On XX/XX/XXXX, I learned that Mohela had kicked me off my IDR plan ( the SAVE plan ) and put me on " SAVE-ALT '', which is just a standard repayment plan, because they failed to update my account to reflect the new guidance. They tried to get me to recertify earlier than allowed. 

On XX/XX/XXXX, Mohela responded to my CFPB complaint by saying it needed more time to process. On XX/XX/XXXX, through a complaint I made to Federal Student Aid ( screenshot below ) Mohela stated that it had " erroneously cancelled my SAVE plan '' and was working to fix it. 

It is now XX/XX/XXXX, more than seven months since my initial CFPB complaint, and Mohela never corrected my SAVE plan. Now that a federal injunction on SAVE is ongoing, they have taken advantage of the situation and are now asking me to go under a " processing forbearance '' I must renew every 60 days. Under this forbearance, interest continues to accrue on my loans. If I were correctly under my SAVE plan as Mohela itself admitted was erroneously cancelled, I would be under what all current borrowers under SAVE are correctly under : a general, continuous forbearance that garners NO interest until a decision on SAVE is made and the injunction is over.
Product: Money transfer, virtual currency, or money service

Somebody got access to my cash-app account and was charging my cash app account $ XXXX over a night period of time and the amount just kept increasing more and more. Now my account is closed and I have funds that have to be paid off with no option to me weather or not I have to or not. Now all I have is a closed account with a debt.
Product: Credit reporting or other personal consumer reports

We received your complaint. Thank you. We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. YOUR COMPLAINT 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. XXXX XXXX XXXX XXXX XXXX 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 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 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 or other personal consumer reports

XXXX XXXX XXXX, XXXX, XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of 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: Credit reporting or other personal consumer reports

My account with XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in Late 30 Days and Late 60 Days to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Debt collection

I called about a debt I didnt know I had as it appeared on my credit report. I called to make a payment and was treated like trash. Was told I couldnt settle because its a medical bill when I tried getting more information and dispute facts I was met with extreme prejudice stating that I was a person who didnt pay my bills and if I paid my bills I wouldnt be in this situation. I asked to speak with a a manger and was transferred back to the same person repeatedly and he told me I was going to deal with him and I didnt have a choice in who I spoke with. I was finally able to speak with XXXX XXXX Manager her name is XXXX XXXX told me she would take my advice and dismissed my complaint regarding his demeanor since she has never received any complaints for him in 13 yrs. Then she refused to take my payment over the phone. They cant treat people like this.