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

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. 
I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
Accounts there is some inaccurate information reporting. 
XXXX XXXX XXXX # XXXX Delete this account. 

there is some inaccurate information reporting. 
XXXX XXXX XXXX ACCOUNT # XXXX Delete this account. 

15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX XXXX ACCOUNT XXXX XXXX XXXX this account.
Product: Bank account or service

I believe Chase bank is in violation of the legal tender act by failing to exchange legal U.S. tender for smaller denominations of legal U.S. tender without having an account with them. 

On XX/XX/2015, at approximately noon, I went to a Chase bank branch located at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX. I was attempting to exchange a {$20.00} bill for XXXX roll of quarters. As I would not provide account information I was denied the exchange. The vice-president/branch manager XXXX XXXX told me this was Chase 's policy recently instituted. If that is true, this means that people without bank accounts will now be out of luck when it comes time to do laundry. No quarters for the poor? Sounds illegal to me.
Product: Money transfer, virtual currency, or money service

I attempted to stop a fraudulent electronic money transfer from my account to a scam artist. Bank of America would not stop or cancel the transfer despite it being still " in process ''. I sent the fraud perpetrator {$3300.00} on XX/XX/2021. The Fraud Department of Bank of America would only file a claim within their own institution and did not assist me in attempting to halt the transaction. They have yet to assist me in recouping the money.
Product: Student loan

I 'm XXXX in debt with navient and my interest rate keeps increasing I ca n't afford to pay this back plus I 'm in school.
Product: Credit reporting, credit repair services, or other personal consumer reports

The XXXX XXXX XXXX account has been closed since XXXX. All of the reporting on my TransUnion report is incorrect. After receiving an email about a change in my report, I called TransUnion on XX/XX/XXXX to discuss the issue. The account is showing opened and a missed payment which resulted in a huge decrease in my credit score. The representative from TransUnion stated there was nothing he could do because they simple report what is being reported to them. I am reporting the information is incorrect and have my Trans Union report from XX/XX/XXXX showing TransUnion has the account marked as closed. He stated again they can only report what the creditor sends to them and if it is reported the account is open and missed a payment that is what they have to report. I have to contact XXXX to submit a correction to TransUnion. Even after pointing out the account remarks states that the account was charged off in XXXX, the representative remained firm that the account is currently open and the information is correct. 

My TransUnion account says I have paid around {$4000.00} towards my balance. If the original balance is {$14000.00}, I have 23 months of payment and the monthly. Payment is {$390.00} how do I only have {$4000.00} paid towards the balance. TransUnion is also reporting a monthly payment of {$0.00}. If that is correct then how am I late on a payment that is {$0.00}? 
The representative was not at all helpful and TransUnion is the lowest of my credit reports because I have to monitor it through XXXX unless I want to pay to see my account. Why would a person pay for a service where the demonstrated customer service is so terrible. I am attaching a copy of the XXXX XXXX Services portion of my TransUnion report from XX/XX/XXXX In addition, this account remains in dispute with XXXX XXXX as the information being reported to all CRAs is incorrect. The collection agency ceased all collection efforts and sent the account back to XXXX due to inaccurate infornation. However, calling XXXX to dispute it just results in please call back in XXXX days.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX reported XXXX increase in my home loan which is totally current with the next payment due on XXXX XXXX, 2022. Since they use Transunion as their main credit bureau this amount reported is incorrect. 

Actual current loan balance : {$150000.00} ( shown by XXXX ' on line ) Amount shown in Transunion : {$160000.00} This has caused the Bank XXXX XXXXXXXX XXXX to cause my FICO to go down XXXX points XXXX  only reduced my FICO by XXXX points, which is the correct amount due to XXXX 's miscalculation ( XXXX ) XXXX has created this problem by reporting an unknown balance for my home loan to Transunion. XXXX is prone to mistakes as you can see by my previous complaints to you, which you resolved for me. I am tired of XXXX 's mistakes which you can not report and or correct by contacting them since no human ever answers a phone call and messages sent to them go unanswered.
Product: Checking or savings account

USAA will not allow me to acces my 10 thousand that is in my account on XXXX XXXX I have to call them cause I had been having problems using my debit card that is when I was told that they closed my account then I asked why and was told that it was their right to do so mean while. USAA did not give me the proper notice that it was closed to allow me me to make arrangements to have my direct deposit changed so now no one will return my call and they told me to wait 60 days this is not my fault they failed to inform me now Im XXXX  with my children no one calls me back I want my money th is is not good banking business
Product: Debt collection

On XX/XX/2018 I was served a summons to court because my wife and I were being sued my XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX aka Collection Bureau , INC. ISB No. XXXX Case No.  XXXX. 

They are attempting to collect a debt on behalf of the City of XXXX Idaho fora utility bill in which I had no idea that I owed them. I have never received any form of communication from the city, or collection bureau neither oral or written. I did a transfer of service from XXXX to XXXX Idaho XX/XX/2018. I have since then paid all of my utility bills as well as all of my other bills, because I am a responsible person in ensuring a roof stays over my childrens heads. I called the City of XXXX on XX/XX/2018 to let them know I had no idea I owed them money and that I could pay them right now on the spot. They said that they sent notifications to my previous address even though I had moved out of that residence. So of course I did not know I owed them money, no phone calls no nothing. 
Nonetheless I offered to pay them ( XXXX ) what they say was owed in the amount of {$160.00}. The City of XXXX then told me that they have an agreement with Collection Bureau INC that once something has been turned over to them that they will not accept a payment from the consumer/residence/citizen.

I then called Collection Bureau INC same day on XXXX XXXX. They claim to have sent me a letter on XX/XX/2018 and since I failed to respond they decided to sue me. I absolutely did not receive such a letter, but since they did not get a returned letter they deemed it valid. 

Collection Bureau INC., now claims I owe them a total of {$630.00} deeming any all fees, interest charges, filing fees etc. etc. whatever they choose to make up out of thin air. I unknowingly owed the City of XXXX. I never received a chance to dispute a debt of XXXX dollars Collection bureau inc claims that I owe them.as I have the right to do so under the FDCPA statute of 15 USC 1692g Ive only discovered this by being summoned to court.
Product: Mortgage

I am a XXXX woman, and Kentucky Housing took advantage of me and my family by selling my house out from under us with small children.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX ( CSE ) 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 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 or other personal consumer reports

Account # XXXX XXXX XXXX XXXX XXXX : XX/XX/year>, which you claim LATE PAYMENTS. Amount : {$17000.00} Account # XXXX XXXX XXXX XXXX : XXXX, which you claim LATE PAYMENT Amount : XXXX Account # XXXXXXXX XXXX XXXX  XXXX : XXXX Amount : {$11000.00} appeared on my credit report. Its unlawful to XXXX ( a ) XXXX ) - Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2. ]
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX CAPITAL ONE BANK USA NA XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX remove all inquiries pursuant to 15 usc 1681 immediately All charged off accounts are non collectable this is Violating The Privacy Act of 1974 someone illegally sold my information to a 3rd party company. 
Collection Agency XXXX XXXX Balance Date XX/XX/XXXX Original Creditor Name XXXX XXXX XXXX XXXX Date Assigned XX/XX/XXXX Account Number xxxxx XXXX Original Amount Owed {$120.00} XXXX XXXX XXXX XXXX {$120.00} Last Payment Date Status Date XX/XX/XXXX Date of First Delinquency
Product: Checking or savings account

Hello I am having a problem that shouldn't be occurring. 

I lost my password to my online banking. 
I wanted to reset it seems simple. Will my bank at Wells Fargo requires I have a cell phone to do business with them. 

It means I need to receive a code on a cell to verify identity no other way. 

So I told them so I have to have the expense of a cell phone and pay for the text just to do business with you.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC Reports regarding the account that do not belong to me. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX
Product: Vehicle loan or lease

In addition to complaint XXXX, I mentioned that I had to pay for all damages because my insurance company I was with at the time had dropped me because XXXX were being stolen and they felt they could not cover it. Additionally, it was hard for me to find insurance companies to cover the car because of the make that I had which led me to pay for all damages out of pocket both times the vehicle was stolen. I have tried the steering wheel lock but that just was not enough security. I believe that I nor my credit should suffer the consequences of a make of a vehicle being stolen across the XXXX and insurance companies not wanting to cover the vehicle because of that. If I am paying {$500.00} a month, I deserve to have a car that I can wake up the next to and not having to look out the window every XXXX minutes to make sure it's still outside
Product: Checking or savings account

Truist Bank closed my checking account, without notice, due to a {$100.00} XXXX transaction which occurred a month prior to the closure on XX/XX/XXXX One Truist agent referred to the reason for the closure was my high risk behavior! 

There was neither fraud nor high risk behavior involved that led to this closure What happened was that I purchased a XXXX  from a person l know on XX/XX/XXXX for {$100.00} When his friend delivered it, it was rusty so l refused delivery as said l wanted the {$100.00} refunded.

The seller did not respond to my refund request via texts messages for 4 days, so l opened up a dispute with XXXX All financial institutions have dispute departments. And if l open a dispute it is never held against me or my status with the financial institution. Either they agree or disagree with the dispute.

However, in this case, the seller, voluntarily, returned the {$100.00} on XX/XX/XXXX. XXXX and l did not pursuit the claim with XXXX any further The unexpected Truist closure letter was dated a month later, XX/XX/XXXX. 

It was very clear that a {$100.00} payment was made and refunded. It's recorded on my Truist XXXX account And there was no risky activity. 
Certainly nothing to raise red flags However I receive my monthly XXXX XXXX XXXX through direct deposit, to Truist Bank, on the XXXX XXXX XXXX XXXX  I can't change my direct deposit in one week to another bank, so it will be returned to the XXXX and could cause a red flag and problems with the XXXX and jeopardize future checks I know it takes the XXXX a minimum of 2 months to change my direct deposit to a different bank, so I will not have check for XXXX and likely XXXXXXXX XXXX XXXXXXXX This is my sole source of income l am also concerned that l may be put on the XXXX XXXX XXXX for fraudulent activity and not be able to open a bank account anywhere I have contacted Truist Bank 's fraud department and XXXXXXXX XXXX fraud department and there is no appeal process. The decision was made and is final Im boggled that my account, direct deposit and financial integrity are now all in jeopardy for buying a candleholder and paying for it with XXXX and requesting a refund. 

It's been a nightmare and individuals at both companies agree there is no valid reason to have closed my Truist account but nobody can stop the closure of my Truist account There is no appeal process once the account is blocked and reviewed Although my credit history is perfect, if placed on the XXXX, that decision lasts for 5 years I do not know what to do. I was totally blindsided
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion fail to respond to my dispute. I have dispute on XX/XX/31 no update Ive called transunion and they denied that they did not receive any mail however my mail was delivered and sign up its already been 30 days and there still has been no action. I also have copies of receipt to prove that Ive sent my dispute and they were signed for : transunion keeps Updating my information with properly investigation and refuse to send a letter stating how they validate the debt. I also filled a dispute with XXXX  And they keep updating my dispute without properly verification I ask for them to send me a proof of how my debt was validate and they refused to do it. FCRA and XXXX states information reporting has to be 100 % verifiable and 100 % accurate otherwise the information must be removed under federal law. The credit bureau has been reporting unverifiable and inaccurate information on my credit report which has damaged my credit. I intend to litigate if this information is not " DELETED '' from my report. Please do not " update '' or " verify '' this information again without doing a due diligence.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, I sent Equifax a follow-up letter requesting Method of Verification as they had verified an inaccurate account as being listed as accurate XXXX XXXX XXXX XXXX According to FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) which states : if requested by the consumer, a description of the  procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of the information contacted in connection with such information, and the telephone number of such furnisher, if reasonably available. 

FCRA 611 ( a ) ( 7 ), which is used for such a request, states : A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. 

Based on my certified mailing tracking record number XXXX Equifax received the letter on XX/XX/2020. It is now XX/XX/2020 and I have received not received their Method of Verification within 15 days of my request. By not replying in a timely manner to my initial letter XXXX has not only violated federal law, but has also failed to provide me with a copy of any viable evidence showing the account is being reported accurately.
Product: Debt collection

for the second day in a row ive gotten someone calling me 12 to 13 times back to back within the same minute. they first did it yesterday on an unknown number and then did it again today with exact same number of calls leading me to believe the unknown number was them as well. they sent an email about the debt, i responded saying to stop contacting me via email and phone but these calls are persisting.
Product: Checking or savings account

Every penny we had was deducted from our account without authorization or warning Im supposed to be notified and wasnt by the bank or receivership or court
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the fraudulent that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending these Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying items recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, NY, XXXX XXXX XXXX XXXX, XXXX, RI, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NJ, XXXX XXXX XXXXXXXX XXXX Balance : {$140.00} XXXX, XXXX XXXX Balance : {$2100.00} XXXXXXXX XXXX XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXX XXXX XXXX : {$510.00} XXXX XXXX XXXX XXXX Balance : {$320.00} XXXX XXXX XXXX  XXXX Balance : {$220.00} 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 XXXX XXXX XXXX, XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX, XXXX, RI, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX RI, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, NY, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

I have sent out Multiple Letters to remove Fraudulent inquiries off of my credit report I have sent letters to both the creditors and Credit Buerros and these inquiries are fraudulent I then next contacted XXXX  and Equifax which I was violated my right under the FCRA by not helping me out denying me to even be transformed telling me that they can't do anything else wouldn't transfer me over to a manager or fraud department I was working with people that couldn't help me then I got transferred and my account was locked or XXXX  but the funny thing is that I was just talking to the dispute department and she got angry when I asked to transferred and locked my account then when I asked to speak to a manager he was able to view it. Then He told me that they will send a letter even though I have sent multiple letters and I did it in a 30-day time frame so and they never answered me so now they must be taken off but still haven't taken them off. EQUIFAX I have had multiple fraudulent inquiries and when I call them they have said almost the same thing but they had an update to their system so they couldn't update help which also violated me under the FCRA and I have been locked of my account for months and every time I call they can't seem to fix and say someone will call but no one has ever called so now it is time for them to take these inquiries off for never helping me get them off and they are fraudulent I have written multiple letters to them no reply. I have filed police reports and done everything they have asked me. Equifax has also never given me a report of my file and has violated that act in the FCRA. Both of them have not let me dispute inaccurate info. Equifax has also not given me a security freeze.
Product: Credit reporting or other personal consumer reports

I am requesting all negative information such A 's inquiries and all late pays be removed my my consumer credit, due to a security breach that exposed my personal information.
Product: Debt collection

EARLY XXXX XXXX XXXX, XXXX XXXX XXXX Santander Consumer Usa Inc . 
threatened to sue me case was dismissed and since then i never heard from them in any form of contact.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit repoXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX