23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

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

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




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

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

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute several items on my credit report that I believe are inaccurate. The following accounts listed on my report contain errors : XXXX XXXX  XXXX Late Payment Account XXXX XXXX   XXXX Charge Off Account XXXX XXXX XXXX Charge Off Account XXXX  XXXX XXXX XXXX Charge Off Account XXXX  XXXX XXXX XXXX Charge Off Account XXXX  XXXX XXXX XXXX Charge Off Account XXXX  XXXX XXXX XXXX Charge Off Account XXXX  XXXX XXXX XXXX Charge Off Account XXXX  XXXX XXXX Charge Off Account XXXX XXXX  XXXX Charge Off Account XXXX XXXX  XXXX Charge Off Account XXXX XXXX  XXXX Charge Off Account XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX Charge Off Account XXXX XXXX  XXXX Charge Off Account XXXX  XXXX Charge Off Account XXXX XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX XXXX Charge Off Account XXXX XX/XX/XXXX Inquirie XXXX XX/XX/XXXX Inquirie XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Inquirie XXXX XXXX XXXX XX/XX/XXXX Inquirie XXXX XXXX XX/XX/XXXX Inquirie XXXX XXXX XX/XX/XXXX Inquirie XXXX XX/XX/XXXX Inquirie XXXX XXXX XX/XX/XXXX Inquirie XXXX XX/XX/XXXX Inquirie XXXX XXXX XX/XX/XXXX XXXX According to the Fair Credit Reporting Act ( FCRA ), I have the right to request that inaccurate information be removed from my credit report. The FCRA requires that credit bureaus investigate disputed items and correct any errors within 30 days. 



I believe that the above-listed accounts contain errors in the form of incorrect balances, inaccurate late payment reporting, and/or incorrect dates. As such, I request that you investigate these accounts and correct any inaccuracies as soon as possible. 



I also want to express how deeply concerning and stressful it is to have inaccurate information on my credit report. It affects my ability to secure loans and credit, and it can impact my financial well-being. I urge you to take my dispute seriously and promptly investigate and correct any errors on my credit report. 



Thank you for your prompt attention to this matter. 



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

I am writing to dispute the following information in my file. I am a victim of the data breach and would like all accounts mentioned to be blocked and deleted pursuant to 15 USC 1681c-2 ( a ). I have been review my EXPERIAN credit report and found one hard inquiry made in XXXX that is not mine from XXXX XXXX XXXX XXXX. and other hard inquiry made in XX/XX/year> from penfed that I need to remove from my experian credit report as soon as possible.
Product: Checking or savings account

Up until two years ago my social security funds and a small pension payment from a former employer were available to me at XXXX  on the fourth Wednesday of every month. Now my funds are not available until XXXX XXXX 

Chase advised me they have up to 24 hours to make my money available to me. In the past, I paid my bills as soon as my social security funds posted to my account because some of my bills are due prior to me receiving my funds. 

I have checked with XXXX XXXX XXXX and XXXX XXXX  they make the social security funds available to customers as soon as they receive them. I feel Chase is collecting thousands of dollars in interest off of seniors by keeping the funds an additional three hours.
Product: Credit reporting or other personal consumer reports

I have contacted several companies by phone and XXXX  mail with no response. In XXXX of 2023 and XXXX of 2023.
Product: Checking or savings account

I have been a costumer of Chase for a little more than 10 years and for the past year or so I have been having lower available balance than I am supposed to in my checking 's account. Sometimes {$20.00}, {$50.00} and at one point even {$100.00} dollars less than I should. I always contact them and there is never an explanation for the error. I use an Accounts app on my phone to keep track myself of every single transaction that I make and then compare it to the Chase app to find any discrepancy but there is none to be found. Is like the money just disappears to thin air. Today XX/XX/18 I logged in to my account to find out that I am missing {$160.00} dollars from my account. No unauthorized transaction is found but the money is missing. I went to the closest Chase brand that I have and spoke to banker. We went over the last transactions that I made and no error was found, just the {$160.00} dollars disappear from my account. This is very frustrating I work hard for my money and I hope I can get help somehow cause Chase is not helping.
Product: Debt collection

IQ Data International , INC. add a collection on my credit report who is not mine, charging me for {$2900.00} from XXXX. I sent a letter requesting a proof of any contract in XX/XX/XXXX who I had answer with a supposed contract who do not have my signature but has my name printed on it but NOT MY SIGNATURE. I sent a second letter attached with a copy of a contract they sent to me but I did not have heard back yet They do not have information of any ID or copy barely my hand signature ( Do not have my Driver license information on file who is normally required to do any contract ).. My next step will be filled a Small Claim lawsuit against IQ Data International, INC following items : -Violation of the fair debt collection practices act ( including but not limited to section 807-8 ).

-Violation of the fair credit reporting act ( including but not limited to section 623-a-3 ).

-Violation of ( insert corresponding state laws here if desired ).
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX {$11.00} fraud charge to XXXX, credit limit $ XXXX.Had a {$0.00} balance. Only used this card couple times a year. XX/XX/ late fee {$11.00} + {$1.00} interest charge. XXXX {$23.00}. I believe it was XX/XX/22 when I noticed the fraud. I made no purchases and unfortunately XXXX XXXX emails went to my spam. I contacted XXXX and they cleared up the fraud issue. Issued new card. Do to late fees/fraud on my account credit was dropped to {$750.00} and 30 day late was posted to my credit report. XXXX told me the Credit Bureaus would fix this and so. Been a big run around
Product: Credit reporting or other personal consumer reports

I reviewed my credit report from XXXX XXXX XXXX and I saw that you have recently began to report me 30 days late on this account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I also stated that I have previous credit reports from the Credit Hero Score that reflect my account accurately, as paid on time. I explained that I was I never late on this account, and I never received notice as required by the FCRA that you were going to report negative information to my credit file. Furthermore, I stated that I immediately disputed the late payment to the creditors and that they said you verified the late to them. As of the date of this letter I have not received a response to my request. Why are you ignoring me? I will not just forget about it. 

This is my several request to you to correct this in writing. The several attempts by phone were never successful either, as you out source to XXXX and they promise corrections that never happen. I tried numerous times to get my statements from you, but never received them. 

My previous letter listed the sections of the FCRA that you are violating. You are in clear violation as I was not late and I never received notification that negative data was going to be furnished to the bureaus about me. I also noted that I was sending a copy of the letter certified mail-return receipt to the proper agencies. I will do the same with this letter. I will then lodge formal complaints and pursue legal action if you do not supply proof of my late payment of confirmation that it has been removed. XXXX XXXX XXXX XXXX XXXX and XXXX, XXXX XXXX
Product: Credit card

On approximately XX/XX/XXXX, my Paypal account was compromised and altered along with my corresponding Paypal Credit account held by Synchrony bank. In order to resolve the issue, the old Paypal login was closed down. Since then, I have made various calls between XX/XX/XXXX and XX/XX/XXXX to Paypal and Synchrony Bank ; but neither Paypal nor Synchrony Bank has been able to link the credit account to a new paypal login or have provided me with a reason as to why that is, despite continuing automatic payments. I have no access to use credit account and any attempts at assistance are fruitless. The automated phone system used by Paypal is unhelpful and frequently loops through various options which inhibits any attempts to get help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Investigation has been submitted multiple times and has yet to be resolved and has and is taking more than 30 days and the information is still reflecting incorrectly on my report. 
XXXXXXXX XXXX the complaint number.
Product: Credit reporting or other personal consumer reports

I told the XXXX, XXXX, and XXXX to reinvestigate these accounts : However, they stated evervthin " " `g was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 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 instructons 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 tan 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 modity accounts tat isnt reporting correcuy. 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 ZA instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the followina items of information Anv other adverse item of information. other than records of convictions of crimes which antedates the report by more than seven vears. 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. Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case. 

Account : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$XXXX} Account : XXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$XXXX} Account : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$XXXX} Account : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$XXXX} Account : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$460.00} Account : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$XXXX} Account : XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$XXXX0} Account : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$XXXX}
Product: Credit reporting or other personal consumer reports

I have tried to contact CapitalOne several times to get this resolved and it has not been done yet and these unauthorized inquires that they obviously did in error are still sitting on my credit report. 
I do NOT have a primary account with you guys and have not had one since I closed my PRIMARY secured account over 2 years ago in which I had with you. However there are SEVERAL credit inquiries from capitalone sitting on my credit reports in which were not authorized and Ive contacted you several times and they are still there. This is my last resort to rectify this matter before I contact an attorney for assistance as you are in violation of the FCRA by continuing to keep these inquiries on my report knowing that I have made very clear, I did not authorize capital one to perform any hard inquiries on my credit report. Below are the following, I do not have any primary accounts with CapitalOne nor did I apply or authorize for my credit to be pulled, so it obvious these were done in error. So I request that you kindly remove them from my credit report. 

XXXX XX/XX/year> XX/XX/year> XX/XX/year> XX/XX/year> XXXX XXXX XXXX XXXX XXXX XX/XX/year> XX/XX/year> XXXX XXXX XXXX
Product: Bank account or service

I began corresponding with Charles Schwab two weeks ago about accessing a little over {$4400.00} that has long been sitting dormant in a Charles Schwab account my grandmother opened for me several years ago. I was told I needed to fax XXXX signed documents to Charles Schwab in order to lift the restrictions on the account. I sent the forms, but Charles Schwab could not locate them when I later called. At some point after our first few days of correspondence, however, I was able to access the online account, but my assets were frozen and I could not transfer them. I called back and was told that one of the forms ( the XXXX XXXX had been located, but could not be processed until the other form ( Schwab Custodial Beneficiary Conversion Application ) came through. I was also told I could submit that form through the message center. After submitting that form, I was told I also needed to submit another XXXX because the original XXXX was not dated. After submitting both a revised and dated XXXX and another Custodial Beneficiary Conversion Application, I was told I needed to resubmit the forms because they were signed using an electronic signature, which is apparently insufficient for Schwab. I was not told this until after I had submitted the form. I am leaving out several details I do not remember - this process has gone on for two weeks and taken a considerable amount of my spare time. I have not documented my phone calls because, with each call, I have hoped that this situation would be resolved only to be later disappointed. Each delay has represented at least an additional day of waiting to see if my situation could be resolved. At one point, XXXX representatives were telling me it took 24-hours for them to see if the forms had come through, at another point, they gave me contact information for the XXXX operations center which apparently knows immediately whether or not forms have come through. This whole process has been very frustrating and taken up a considerable amount of my time.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit score from TransUnion dropped 121 points on XX/XX/2021 with NO negative reports on my credit score. I have tried to resolve this with them directly but they can not explain the drop. I will be harmed financially if a creditor checks my report with TransUnion for a new loan. 

This is the second time this has happened in the last 45 days with the last drop of over 60 points for no reason and no explanation. Upon my calls, the issue just went away again with no explanation. The fact that my score can be rated at XXXX XXXX a D ) will harm me financially with lenders, car insurance analysis, employers.
Product: Checking or savings account

I have been banking with this company for almost 5 years. I have never experienced a problem, whatsoever. Last Friday, XX/XX/2023, I tried to access my account to pay a bill and was unable to log in. I checked my email and there was an email stating that my account was suspended/on hold due to activity involving the mobile check deposit that was made weeks ago on my account. This was my income tax check that I had just finally received after waiting for over a year. I have sent emails almost every single day since this happened giving them every item they requested. I have called on multiple occasions and still have been unable to get help. No one can seem to tell me anything, nor give me any help whatsoever.
Product: Credit card

Capital One closed my credit card account without my permission. I recieved a call today saying someone called previously and requested my account to be closed. I do not understand why my account would be closed without my permission and without contacting me. The lady I talked to said she was calling to clarify why it was closed and kept saying I requested it to be close. I told her that was not the case and that I did not request the account to be closed but she would not listen to what I was telling her and just kept repeating that I had requested the account be closed which of course I did not. I could not seem to get her to understand this and she eventually hung up on me. I have never seen customer service like this. I do not appreciate Capital One taking liberties with my card and closing it without my permission.
Product: Debt collection

I have been contacted multiple times in the last year by Synchtiny financial for a debt that has been in repayment through XXXX XXXX XXXX  since XXXX/2019. They agreed to the payment date and amount with the company, and will frequently change the day they want paid every few months and call me saying they haven't received payment. XXXX pulls on the same day every month and pays my creditors on the same day every month. They have never mailed me anything. I receive between 5 and 10 calls per day until I have to get forceful, get a reprieve for maybe 2 months, then this starts all over again.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion did respond however I am very upset with the results ... I file a dispute with inquiries and XXXX XXXX XXXX  ( aka ) XXXX XXXX  ) also I file a dispute with XXXX XXXX ... XXXX XXXX did investigate and found this account to be fraudulent!
Product: Mortgage

I refinanced my mortgage, and on XX/XX/XXXX our loan was transferred to a company called " XXXX XXXX '' ( XXXX XXXX XXXX d/b/a XXXX XXXX ; NMLS # XXXX ). I have made my payments to XXXX XXXX since that time. 

However, I have received repeated requests for payment from " The Money Source '' ( The Money Source , Inc. ; XXXX # XXXX ). I have informed their phone agents that they do not service my loan and do not hold my debt. Today, XX/XX/XXXX, I received a letter requesting yet another month 's mortgage and denoting a month 's past-due mortgage
Product: Credit reporting, credit repair services, or other personal consumer reports

this pertaining to Equifax Credit Bureau- i XXXX XXXX XXXX have been fighting Equifax for about 3 years. I believe that they have let the thieves take over my Account everything is Derogatory. I finally got to see the equifax Report through XXXX  website it is a Horror. The first incorrect Serious Delinquency- Totally incorrect- I have none 2. Short Account History- My Account History is 12-14 yrs with XXXX XXXX XXXXXXXX 3. Few Accounts Paid On time- EVERY ACCOUNT PAID ON TIME 4. Then Contradiction- Bills Paid on Time Recently- I PAY MY BILLS ON TIME ALL THE TIME.

So it Appears someome else is definately posing as me. XXXX i was pickpocket shut down all the immediately. Filed police report. 
All Credit Bureau 's put Fraud Alerts.May XXXX i gave first person all correct info, next tells me that i'm not me. I have ask twice for my credit they refuse to send. I sent in all Identifying Marker 's. Twice still ignored. I'm very ill i sent in proof of that also. They refuse to answer me because they think i'm the crook. XXXX and XXXX have my Credit Exact with same Information.
Product: Credit reporting or other personal consumer reports

I have not yet recovered from the impact your fraudulent reporting had on MY LIFE. 
You've impacted my livelihood, my finances, my credit, and my reputation. I had to explain to my those in my professional environment, my career I'm referring to as to why the direct deposit of a substantial monthly payment had to be made to a illegitimate financial institution. 

You didn't even notify me, had to find out the hard way and now I want financial retribution ... .ASAP.
Product: Credit reporting or other personal consumer reports

The account : Law offices XXXX and XXXX XXXX XXXX account : XXXX is reporting on my Experianand XXXX credit report ( see attached ) its not showing on XXXX so before it does I request it be blocked as well. I am DEMANDING you follow the law and delete, removed, and Block this accounts. Due to these reasons : 1. They are using deceptive tactics to try to collect by lying and saying they are the original creditor but yet is the collection agency which they are not ( see attached ). Furthermore I see its a medical company originally which is a violation of my hippaa rights as I did not give permission to share information. They are also in clear violation of consumer law 15 U.S.C 1681
Product: Checking or savings account

someone transferred money from my kids trust accounts to other account that opened under my name without my knowledge and withdrawal the funds. i discovered that end of 2020 but Citi bank said it is too old and they do not want to investigate what happened. I am confident that this person is my ex partner and there other accounts he created to laundry funds under my name.