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

Under the Fair Debt Collection Practices Act this disputed item XXXX not appear on my credit report if it can not be supported by any XXXX XXXX XXXX ( g ) [ XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1100.00}, {$58.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated onXX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNT 1. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1100.00} -This is not my account. 

-- COLLECTION ACCOUNT 2. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$58.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent sent a letter on XX/XX/XXXX To XXXX, XXXX and.Here is my Tracking ID Complaint XXXX, How ever it has been more than 30 days and the Credit bureaus have yet to send my investgation back, this is not making sence 15 U.S. Code 1681i - Procedure in case of disputed accuracy.if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer and reseller
Product: Credit reporting or other personal consumer reports

I am filing this complaint to address outdated and inaccurate accounts that are still being reported on my credit report by TransUnion, XXXX, and XXXX. Specifically, two accounts from the Department of EducationXXXX XXXX XXXX XXXX with balances of {$1700.00} and {$520.00} ) are still appearing on my report, even though they are beyond the seven-year reporting limit established under the Fair Credit Reporting Act ( FCRA ). 

I have previously disputed these accounts with the credit bureaus, but they have failed to remove them, despite their obligations under the FCRA and the Fair Debt Collection Practices Act ( FDCPA ). According to FCRA Section 605 ( a ), negative information should not be reported beyond seven years, yet these accounts continue to appear, causing potential harm to my credit profile. 

Desired Resolution : I request that the CFPB ensure that TransUnion, XXXX, and XXXX remove these outdated accounts from my credit report immediately, as they are beyond the allowable reporting period under federal law. Additionally, I request written confirmation that these accounts have been deleted.
Product: Checking or savings account

XXXX XXXX XXXX took a payment from the wrong account. I immediately saw it, even signed up for overdraft alerts and texts and never got anything. Luckily I was checking something and saw the overdraft and just switched money to the account, no big deal. XX/XX/15 {$38.00} overdraft fee which overdraft me again, moved more money and was told I will probably get hit with a fee again and that you should keep more money in your account so this doesnt happen.
Product: Mortgage

In accordance with the fair credit reporting act, this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. ( 15 USC 1681 section 604 A section 2 ) it also states a consumer reporting agency can not furnish an account Without my written instructions under ( 15 USCS 1666B ) states a creditor may not treat a payment on a credit card account under an open ended consumer credit plan as a late for any purpose.
Product: Checking or savings account

On XX/XX/XXXX, I opened a new savings account in an attempt to receive XXXX for every XXXX deposited as an early sign up bonus. The check I deposited was from the liquidation of my trust and addressed to my maiden name. The check was unable to be deposited even though I have been with Capital One prior to being married. Capital One was able to verify my identify/ maiden from account history and still were unable to deposit the check due to policy. Further, they offered no other way to gain access to funds, such as sending in marriage certificate. XXXX case number.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted all three credit bureaus told them that there was fraud on my credit that the collections accounts that were on my credit were related to my ex-wife they were her accounts with her information and I had nothing to do with any of it as I was XX/XX/XXXXwhen these accounts opened and put into collections
Product: Credit reporting or other personal consumer reports

I OBTAINED A FULL COPY OF MY CREDIT REPORT AND NOTICED CREDIT INQUIRIES I HAVE NOT AUTHORIZED. IVE CONTACTED XXXX BEFORE VIA PHONE ADVISING THAT SOMEONE WAS ACCESSING MY CREDIT REPORT AND I HAD NOT AUTHORIZED ANY OF THESE ACCOUNTS OR TRANSACTIONS. 

I SEE INQUIRIES FROM CREDITORS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I ALSO NOTICED ON MY EQUIFAX REPORT INQUIRIES FROM CREDITORS : XXXX XXXX, XXXX, XXXX, AND XXXX XXXX. I HAVE ALSO CONTACTED EQUIFAX PREVIOUSLY VIA PHONE. 

I HAVE THE RIGHT TO PRIVACY AND NOR DO I HAVE KNOWLEDGE OF THESE INQUIRIES, I HAVE NOT GIVEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED AND THIS IS IN VIOLATION 15 USC 1681B ALSO FURNISHING ANYTHING DUE TO IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX a collection account by the name of MIDLAND CREDIT MANAGEMENT was placed on my credit report in the amount of {$990.00}. The original creditor is XXXX XXXX XXXX XXXX  XXXX. By law, once an account has been sold to a third party, I am not responsible for the debt. Please have them send me the original contract with my wet signature agreeing to pay and validates the debt. Please remove and delete this account from my Credit Report IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act the following accounts have violated my rights. 
XXXX account # XXXX XXXX account # XXXX XXXX XXXX account # XXXX XXXX account # XXXX XXXX XXXX account # XXXX XXXX XXXX account # XXXX XXXX XXXX account # XXXX XXXX XXXXXXXX account # XXXX XXXX XXXX XXXX XXXXE account # XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX XXXX account # XXXX XXXX XXXXXXXX XXXX account # XXXX XXXX XXXX XXXXL account # XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX  XXXX XXXX XXXX file XXXX XXXX 15U.S.C. 1681 Section 602 A states that I have the right to privacy 15U.S.C. 1681 Section 604 A Section 2 also states that a consumer reporting agency can NOT furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed a hard credit enquiry from XXXX XXXX. This enquiry occurred on XX/XX/2020. I called XXXX XXXX to find out who made the enquiry ; they have no record of the hard inquiry.
Product: Credit reporting, credit repair services, or other personal consumer reports

This dispute involves XXXX, XXXX, and TransUnion. Each of the three agencies is erroneously reporting incorrect information. XXXX, in particular, is reported my last reported name as XXXX XXXX XXXX. I have never used this name and demand strict proof that it was reported to XXXX. I demand its removal from my credit report and that my legal name and the only name I use to be secured there instead. XXXX XXXX XXXX. On XXXX, party/parties unknown accessed my account in the Georgia DMV and requested an address change as well as a copy of my file to be sent to them. I have filed a complaint with the Georgia DDS and have requested an investigation as well as prosecution to the fullest extent of the law. My current address is XXXX XXXX XXXX XXXX XXXX XXXX Tn XXXX, but each of the three credit reporting agencies is reporting XXXX XXXX XXXX  XXXX  XXXX XXXX, Georgia XXXX as my current address. I request that all prior residences be removed from my credit report for security purposes leaving only my current address. I also request that all employers or past employers be removed from each of my reports for security purposes. I request that any inquiries seeking credit or information be met ferociously and that I will be contacted by any attempt. Each of the three agencies refuses to update my XXXX XXXX  account and are severely inaccurate in reporting which in turn interferes with my credit.
Product: Credit reporting or other personal consumer reports

Ive reviewed my credit report and noticed the following inaccurate items. The accounts below are not mine : XXXX  XXXX Account Number : XXXX Account Opened : XX/XX/year> Account Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXXS Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX and list of Inquiries.

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

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Vehicle loan or lease

A auto loan was established in my name by someone who stole my identity. File identity theft report through the FTC and sent documentation along with a request to remove all liability of this loan from my name. American Credit Acceptance continues to verify this account with the credit bureaus knowing that it is identity related. This is a violation of my rights as a consumer under the ID theft Victim rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2018, i took out a loan with Moneylion to help with my credit. My loan payments as well as the membership payments were deducted from my checking account. In XX/XX/2018, my checking account had to be closed due to fraudulent activity. I called Moneylion and reported this and gave them my new accoynt information. My loan payments were coming out of my checking account, however the membership payment did not i attempted to pay online but it would not let me I called Moneylion once again and gave them my checking account infornation again and was assured it was taken care of My loan payments continued to come out of the correct account but membership payments did not So again i tried emailing them i received a message back saying they coukd not locate my account I called yet again and was told that my membership payments were trying to come out the closed account and the customer service representative was very rude and even scolded me. so once again i updated all of my information When my next loan payment came out my membership payment did not. i tried calling again several times. i would sit on hold for 30-45 minutes each time before the call would be dropped. My loan payments continued tocome out of the correct account In XX/XX/XXXX my credit score dropped 61 points only because Moneylion reported my membership payments as late I called again and after being on hold for almost an hour i spoke with a male representative who told me that i wasnt making my payments and then hung up on me I posted to their XXXX page what had happened and was then contacted by a woman who claimed to be a supervisor She apologised and assured me that she would take care of the situation. she also told me to dispute the credit entry with XXXX  i waited for over 2 weeks to see the changes she had promised me on my account nothing was ever done. Mid XX/XX/XXXX my credit score dropped again another 43 points. Again only because of Moneylion. I call again daily for almost a week unable to get through. on XX/XX/XXXX i finally am able to speak with someone. i again updated all of my information. The customer service representative i spoke with apologized and told me that they had messed up and assured me once again that it was all taken care of. i set up for my membership payments to start coming out of my corrEct account on my next payday. He then tokd me to contacT XXXX  and dispute the entry. i disputed the entry with XXXX as well as XXXX. i received notice today that Mobeylion had cobfirmed with them that the entry was correct. So i call them again. The csr this time assured me a supervisor would be calling me right back. Now 3 hours later i am still waiting. i have been trying to resolve this for now going on 6 months. And again my loan payments cobtinue to come out of the correct account and i have never missed a payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is in regards to XXXX XXXX XXXX reporting on my credit files. XXXX  is reporting inaccuracies on my files. This account is closed and have been closed for over 2 years, yet XXXX is reporting this account as open. Also this is a charge off and in the payment status XXXX is reporting it as Charge off/Collection. According to the Fair Credit Reporting Act this is only supposed to be reported as a charge off and not as a charge off/collection. Another issue is that the amount that is being reported is incorrect. This account is closed and XXXX recently increase the amount of the charge off which is not accurate and TD can not increase this according to State and Federal Law. Also I want XXXX comments on this account to be removed from my files. According to the Fair Credit Reporting Act I can have any comments on the accounts on my file remove. Therefore I want all TD comments in the Remark Section to be removed Immediately. To this date I still have not received my personal properties from XXXX XXXX, and also XXXX has sent me a letter stating that they were going to reduce the amount by {$400.00} after I filed a complaint through Better Business Bureau. So how is it that XXXX  make this promise and never fulfil their promise. This is another act of deceptive practice by XXXX XXXX. I have to pay over {$1000.00} to replace my belongs that XXXX XXXX, and whoever acted on behalf of XXXX fail to give me back. Now I contact Transunion so that they can investigate this account, and they are telling me they cant investigate it. Now according to the fair credit reporting Act Credit bureaus are supposed to investigate any information a consumer challenge on their credit files. Now I want XXXX to fix their errors on my credit Files, and Transunion to fully investigate not partially, but in whole.
Product: Credit reporting or other personal consumer reports

I dont believe that XXXX investigated my dispute in XXXX of 2024. I was never send information from any party that the information was accurate and true. Under code 15 U.S.C. 1681i
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted to reach out to XXXX to dispute inaccurate information on my credit report that doesn't belong to me. I have provided XXXX with a copy of my social security card and drivers license to prove my identity. However, although I have provided my actual social security number and license, I am being informed this account belong to me although I have never resided in Maryland.
Product: Credit card or prepaid card

on XX/XX/2023 I received one text msg from Wells Fargo regarding activity on my card, one charge in the amount of {$59.00} at XXXX and a second charge also at XXXX for {$44.00}, same text message. I contacted the card and informed I did not make those purchases. I was told they would send a new credit card, it would take between 5 to 7 business days for the new card. on XX/XX/2023 I received another text message, two new additional charges with the last 4 digits of the a card number that I don't recognize. One charge in the amount of {$82.00} and another charge in the amount of {$59.00} both to " adobe ''. Called the credit card again informed that I still don't have a new card and this " new card '' was never activated and questioned how can a inactive card can be charged. I was informed by their fraud department that these were recurring charges. I do not have recurring charges on the old card and still didn't activate the new card. Same call, the fraud department then informed this was a charge the fraudsters tried to place on the old card and somehow associated with the new one. Again this " new card '' which I don't even have the number was never activated. I can't confirmed if a new card account was opened or if this is the replacement card. Checking the account online still asks me to activate the new card never received. Again a this new card supposedly was cancelled and again a new card will be issued. This is a recurring fraud happening where the information is being passed to the fraudsters with the new number before the card holder gets the card. I asked several times how this can be prevented and was informed the " issued '' was taken care since the cards gets cancelled. I also questioned how can a a card have a charge if it was not activated if this is in fact the replacement card.
Product: Credit card or prepaid card

I have had a Bank of America XXXX BOA ) Cash Rewards World Mastercard since XXXX. I have paid off the balance every month this year to avoid being charged interest using the standard grace period per the consumer agreement which states " We will not charge interest on Purchases on the next statement if you pay the New Balance Total in full by the Payment Due Date, and you had paid in full by the previous Payment Due Date ''. On XX/XX/XXXX of XXXX, I transferred another credit card balance of {$26000.00} to the BOA card using a " no-interest '' promotion if that balance was paid off by XXXX of XXXX. I was very careful in XXXX and XXXX ensuring that I paid off my ongoing daily purchases as well as the minimum amount required for the " no interest '' promotion. No interest was charged on those two statements. My total statement balance in XXXX was {$26000.00}. My statement balance in XXXX was {$22000.00}. My statement balance in XXXX was {$19000.00}. Clearly this shows that I not only paid off the daily ongoing retail charges before each monthly cycle but I also substantially paid off the promotional balance. On the XXXX statement BOA charged me interest on the daily charges saying I was no longer eligible for the grace period allowance because I had not paid of the daily ongoing retail charges. Despite the statement proving that my payments exceeded my purchases by {$2600.00} BOA insists on charging me interest. Their statement to me was " if you don't want to be charged daily interest then stop using the card for daily purchases ''. This to me is clear evidence that they no longer wanted to honor their cash back rewards portion of the agreement.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act these companies has violated my rights and have been reporting WITHOUT my consent. 

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 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 An 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. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

Was always charged overdraft fees even if I had money in my savings account to cover and even with overdraft protection still got hit with same over draft
Product: Credit reporting or other personal consumer reports

I was a victim of Identity theft and I believe someone applied for credit cards from XXXX XXXX  and XXXX XXXX using my information and SSN. I want these inquiries to be removed, and any transactions on my credit report made on XX/XX/XXXX to be disputed since I was not responsible for any of them. They also got a hold of my credit card and bank documents from XXXX which I believe allowed them to get my details and SSN somehow.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried the past 5 days to obtain my credit reports from XXXX  and Equifax, never having issue in the past. I havent gotten them in years. As correct the info is that i provide, I am unable to obtain them. What i have been able to contact is XXXX. I even was trying to pay for them without success. This is ridiculous!
Product: Credit card or prepaid card

I have a loan with XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, and XXXX with no successful resolution. XXXX, XXXX, and XXXX are reporting me late. There was definitely an error on their part. I was never 30 days late ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ), also I was never 60 days late ( XX/XX/XXXX ), and I was never 90 days late ( XX/XX/XXXX )