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

In XXXX of 2020, I disputed the accuracy of a late payment on my report. I disputed this account with the creditor, XXXX XXXX  and all three major credit bureaus. Unfortunately, my efforts did render a positive outcome. XXXX XXXX  never responded to my request for validation or an exemption for the one time late payment. Under these circumstance, the creditor not responding within a 30 day time frame upon receipt of my dispute, is sufficient means for deletion off my credit report. Experian XXXX XXXX  both disregarded the FCRA ruling by not thoroughly investigating this dispute properly. I'm requesting deletion based upon the fact that they did not follow procedures as outlined in the FCRA.
Product: Bank account or service

On XXXX XXXX 2015 I went online to check the balance on card/account before making a withdrawal. I found that someone had accessed my account on XXXX XXXX, 2015 from an ATM making XXXX balance inquiries and XXXX subsequent withdrawals each in the amount of {$400.00} totaling {$800.00}. I called Bank of America and cancelled the card. They told me I would receive paperwork to fill out and return for a fraud claim and would receive a credit pending an investigation. I never received the documents and when I called to check the status on XXXX XXXX, 2015 Bank of America told me that the claim was denied stating that I had not proved that Fraud had occurred. Additionally, on XXXX XXXX 2015 I filed a police report and contacted Bank of America ( on that same day ) with the report number.
Product: Credit reporting or other personal consumer reports

The balance on my XXXX XXXXXXXX credit card account is not correct Is lower than being reported is still saying over the limit when its not
Product: Credit reporting or other personal consumer reports

Trans Union XXXX and XXXX have violated my consumer rights, and I have provided proof multiple times. But unfortunately, these companies believe themselves to be higher than the law itself. 

Who is going to govern these agencies? 

By 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 - THIS ACCOUNT IS INACCURATE, I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME XXXX - XXXX - THIS ACCOUNT IS INACCURATE, I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME XXXX XXXX XXXX - XXXX - THIS ACCOUNT IS INACCURATE, I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME INQUIRY - XX/XX/2022 - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX XXXX - XXXX - THIS ACCOUNT IS INACCURATE, I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME XXXX - XXXX - THIS ACCOUNT IS INACCURATE, I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME XXXX XXXX XXXX - XXXX - THIS ACCOUNT IS INACCURATE, I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME INQUIRY - XX/XX/2022 - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX - XX/XX/2022 - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 


Trans Union, XXXX, and XXXX have 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 or 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 data is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX  old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently pulled my credit report from XXXX, XXXX, and XXXX  and to my amazement, saw that there are fraudulent accounts being reported in my credit report. I am a victim of identity theft. I did not make or approve of these transactions. This happened because of identity theft. There are two accounts which are opened under my name : DISCOVER PERSONAL LOAN ( ACC NO : XXXX ) and XXXX  XXXX XXXX ( ACC NO : XXXX* ). I sent a police report to XXXX  but the XXXX reporting agency did not remove these fraudulent accounts.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, this creditor has violated my right under 15 USC 1681 section 6 0 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( It also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a open credit card account under an open end consumer credit plan as late for any purpose. 

XX/XX/year> {$490.00} XXXX 2023 {$490.00}
Product: Debt collection

This debt is not mine, and they have ridiculous service fees. Nobody contacted me prior about owing funds. This is out of no where and not my debt. Please remove ASAP. Thank you
Product: Debt collection

HELVEY AND ASSOCIATES IN is falsely reporting on my credit. I have never had any accounts with them. Per my research HELVEY AND ASSOCIATES IN is a debt collector. They are falsely reporting to my credit! 
Account # XXXX are falsely reporting to my credit file and are against my rights and fair credit act. Under 15 U.S. Code 1681d - Disclosure of investigative consumer reports ; you are in violation. I have attached the definition so you can see the violation! ( a ) Disclosure of fact of preparation A person may not procure or cause to be prepared an investigative consumer report on any consumer unless ( 1 ) it is clearly and accurately disclosed to the consumer that an investigative consumer report including information as to his character, general reputation, personal characteristics, and mode of living, whichever are applicable, may be made, and such disclosure ( A ) is made in a writing mailed, or otherwise delivered, to the consumer, not later than three days after the date on which the report was first requested.
Product: Debt collection

On XX/XX/XXXX, I contacted the phone number on my credit report for LVNV Funding ( accts ending XXXX and XXXX ). I had received an email stating that a settlement offer was available. LVNV confirmed settlement amounts of {$3000.00} for acct XXXX and {$2500.00} for acct XXXX. This is 40 % of the total balances. I requested 30 % over the phone in negotiation and was told to contact Resurgent Capital who handles LVNV 's payments. I called Resurgent on XX/XX/XXXX and attempted to negotiate for 30 %. The best they could do was 40 %. I went to the website to make the payments on both accounts and no offer for settlement was available, only the full account balance. Each time I have contacted Resurgent back between XX/XX/XXXX and XX/XX/XXXX, they had stated different amounts between 86 % and 100 % of the full balance but refuse to honor the 40 % offers made by both Resurgent and the account owner, LVNV. I contacted resurgent on XX/XX/XXXX to yet again make offer to pay the 40 % and was advised they could not honor that. I was transferred to XXXX XXXX at about XXXX and was advised the best they could do is just over 65 %. As of XXXX, my account shows an offer of 80 % on both accounts. These amounts fluctuate frequently, every representative gives a different amount, and they have refused to honor what has been offered.
Product: Debt collection

Received a collection letter on XXXX XXXX, 2015 for a delinquent account for XXXX XXXX Membership. My identity and debit card was stolen earlier this year. I was not aware that the person signed up for membership with XXXX XXXX nor have I ever enrolled for membership with XXXX XXXX. This collection company is threatening to put this information on my credit reports and attempting to collect {$210.00} for an account I never authorized.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am checking my credit and notice a delinquent amount of {$84.00} owed to XXXX XXXX from XXXXX of 2016 and do not recall what this is. If I owe it, I would like to pay it and get it off my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of a data breach and am requesting the immediate blocking and deletion of the following fraudulent accounts and unauthorized inquiries from my credit report pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). 
Fraudulent Accounts : XXXX. XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$0.00} XXXX. XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$0.00} XXXX. XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$710.00} XXXX. XXXXXXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$710.00} Unauthorized Inquiry : XXXX Date : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I MAILED IN LETTERS 2 MONTHS AGO TO THE BUREAUS AND GOT NO ACTION OR RESPONSE ON LATE PAYMENTS THAT ARE NOT TRUE AND ACCOUNTS THAT SAY CHARGE OFF THAT ARE NOT ACCURATE, AND ACCOUNTS THAT DONT THAT BELONG TO ME.
Product: Vehicle loan or lease

The company have violate the contract. I didnt receive multiple information. I have included the affidavit and request the company for the information and I also have the company have refused to answer the violation of federal law that was supposed to be included in the contract. I have included the contract also, and I have the number in my affidavit. I have rescind my contract because of the violation and federal law allow me to resend my contract now the Now the company refuses to answer. Or return my money. I have included and outlined .The Five things must be included in car contracts by law they wasnt. I also have include the contract pages. I have online theres a lot of violations in this contract
Product: Checking or savings account

On XX/XX/XXXX, I used my account with USBank to transmit {$1100.00} to XXXX  XXXX XXXX using BillPay. I also had them send XXXX ( my credit Union ) {$200.00}. They indicated the money would be available at both institutions on the XXXX of XXXX. It was not received by either. I started calling both USBank and XXXX XXXX XXXX on the XXXX. XXXX said they did not receive any funds and that I had to check with USBank. USbank said they sent it and it was XXXX XXXX XXXX 's problem. As a result I am unable to pay bills ( car payment which is now costing almost {$4.00} per day in interest and reflecting poorly on my FICO score and credit standing. 
The only way to contact USBank is via email from their website and I have done so each day including today the XXXX. Calling XXXX-USBanks takes about 14 minutes to reach a live person to explain my problem. USBank has been unwilling to do anything about this problem and they keep stating they sent the money and it is XXXX 's responsibility to fix the problem. 
Oregon is on lockdown so driving is out of the question for this reason : the closest USBank i 65 miles from my home in XXXX XXXX OR ( I live in XXXX XXXX ). The XXXX XXXX branch is only drive through. The next closest USBank is in XXXX Oregon which is 135 miles from my home. My XXXX plan is 400 minutes and I have used more than 200 dealing with both banks. I now have to pay {$.00} oer minute when using my phone until XXXX XXXXMeanwhile I can not access my XXXX  account to pay bills.I am also being charged a late fee and interest with my credit union . My credit worthiness is now in question due to the irresponsibily shown by USbank.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and found unauthorized inquiries. I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following inquiries are unauthorized : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I understand that per the Fair Credit Reporting Act, you are required to notify me of your investigation results within 30 days. My contact information is provided below and I have included proof of my social security and current address to avoid any delays in your response time. I look forward to receiving an updated copy of my credit report reflecting the above correction. Thanking you in advance.
Product: Debt collection

United Collection Bureau Inc. sent me a bill on XX/XX/2022 ( UCB Reference Number XXXX ) for an outstanding bill from XXXX XXXX XXXX, which was paid in full I have previously made more than 4 calls to the provider XXXX XXXX XXXX in regards to this matter. Each time I am told not to worry, they see the payment was mis-coded and to wait 30 days for a correction. Each month they send another bill. 

Now I am receiving automated calls from this collection agency for a bill that was paid via my Flexible Spending Account on XX/XX/2022. I've included a copy of the check cashed by XXXX XXXX XXXX on XX/XX/2022.
Product: Prepaid card

I reviewed a statement, and as I was looking through the statement I noticed all these fees. Not overdraft fees but like if the amount was declined a fee was assessed not the same amount every time either its like the more money I had in my account to be taken the higher the fee was. I believe they charged me over XXXX dollars in fees in less than 1 year. This is ridiculous I feel like I have been robbed. I am a single mother and can not afford this. I have a print out of these fees in case they try denying it or tamper with my statements in any way. I asked if any of the fees could be reimbursed and they told me no there was noting they could do about it. I think they should be shut down. No wonder there are so many homeless people it is most likely due to these kind of Companies steeling peoples hard earned money.
Product: Credit card or prepaid card

I was a loyal member of the Delta Skymiles American Express Credit Card for several years, and I recently had the unfortunate experience of finding several thousand dollars of fraudulent charges on my credit card. I submitted a fraud claim to American Express and they promptly handled the situation. This was subsequently followed by an investigation. <P/>During the investigation I was asked a series of questions which I answered and over the course of the investigation, the merchant where the fraudulent charges came from was unable to generate any documentation that could substantiate that these were in fact valid charges. <P/>To my surprise, the AMEX fraud team member informed me that they would not be removing these charges from my account. I asked if they could do that given that no documentation was provided from the merchant and she could not answer the question. I then asked to speak to her manager- I spoke with her manager and her manager was also unable to answer the question " can you reinstate charges on a fraudulent claim when no supporting documentation was provided by the merchant? ". So I then asked to speak to her supervisor. Her supervisor left me a voicemail when I was out of town on business and by the time I returned they decided my case was closed and put the charges back on my account. <P/>I was never given the chance to speak to the supervisor and be given a fair chance to discuss the fraud process. It seems that AMEX was eager to close it out and did not wish to involve me as much as I felt was fair and necessary as the consumer claiming several thousand dollars of fraudulent charges. Furthermore, I feel that, because these were NOT my charges and there is no documentation to support them, I should not be held liable for paying for them. As a responsible person I am writing this not only because I feel this is unjust, but also because I want to pay my bills, and I certainly want to pay AMEX whatever is owed to them. However, I do not wish to pay for charges that I did not make and I think that most people could understand that rationale. I sincerely appreciate your time to review my
Product: Payday loan

I had a payday loan with a company several years ago and paid if off. Now after several years they are trying to reach me by phone to get me to come back and do business with them. when they call i dont answer so now they starting calling the references that i had listed on my original application with them. they called my wifes cell phone number and highly upset her, i feel as if my privacy was compromised. I will never do business with this crooked company again, i never gave permission for references to be called on a closed account. they are so desperate for business they have stooped to cold calling old customer and their references. Im sure there has to be some law that prevents this from happening. The call was placed from the XXXX, Tn store at app. XXXX and the number they called from was XXXX
Product: Checking or savings account

On XX/XX/2022, I deposited a check with Chase Bank in the amount {$2200.00}. I received this check from my mortgage servicer, XXXX XXXX XXXX XXXX XXXX ( XXXX ) as an escrow overage refund. I have received escrow refunds from this servicer for 2 years prior. 

I deposited this check via mobile deposit. It was received, reviewed, and then approved. I then attempted to move the money from the Chase account to an account with another financial institution ( XXXX XXXX  ) where I normally store my Mortgage Payment savings. On the day this transfer was supposed to be completed, I received a message informing me that the transfer had to be cancelled because of an unspecified problem with the originating account ( Chase ). 

I then attempted the reverse and tried to do an external withdrawal from the Chase account to the XXXX account, only for that transfer to be cancelled as well. On XX/XX/XXXX, I called XXXX XXXX  and was informed that my Chase account was frozen. 

I then immediately went to my local Chase branch on the evening of XX/XX/XXXX and asked why my account was frozen. They did some research and called their headquarters support line. They informed me that the check I attempted to deposit was inconsistent - specifically the issuer of the check and the number of the bank account did not match. I was questioned about how I obtained this check, why did I receive it, among others. The branch informed me that the likely action would be the check would be returned. 

I called my mortgage servicer, XXXX that night and relayed the issues I was having. They informed me that the check was a good check and if I still had it I could attempt to deposit it at another institution. 

On XXXX XXXX, I noticed that XXXX charges appeared on my account, both dated XXXX XXXX : The first was for {$2200.00} and the second was for {$40.00}. These XXXX charges brought my account to {$0.00}. Both were labeled as Debit DDA - Check Charge with no further information. I Chase 's main service line and was redirected to customer concerns. I explained what happened and was informed my account was in the process of being closed and the latter charge would be paid out in a settlement account via a cashier 's check in about 14 business days. 

Chase was unable to tell me why my account was being closed. They failed to inform me that my account was in a restricted state. They did not indicate that there were any concerns with the check I attempted to deposit ( and in fact told me my deposit was approved and the funds were available ). I do not have the funds available from my escrow refund, and now I will need to wait 14 days for the money that was existing in my account to be returned to me.