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

I am extremely frustrated I have had these accounts on my report I have dispute these inaccuracies with the credit bureaus as well I read somewhere that if you dispute something and its not verified within 30 days it has to be removed also there was false and misleading information and regards to these creditors trying obtain payments from me which is against the fdcpa please look into this matter
Product: Credit reporting, credit repair services, or other personal consumer reports

I've written numerous letters disputing the accuracy of the bankruptcy listed on my credit report. My most recently dated dispute sent certified mail with hard copy return receipt postmarked/date stamped XX/XX/2022, I've AGAIN requested you provide me with the proper verification of the information you've entered in my credit file as well as provide me the process ( es ) and procedure ( s ) used to determine this entry is " certified as accurate ''. I included the letter I wrote to the bankruptcy court using the information you have listed in my credit file. I also included the response letter the bankruptcy court sent me stating the court doesn't provide any information to any business, including credit bureaus i.e. Experian, XXXX XXXX, XXXX, XXXX XXXX, XXXX, etc. You've already completed the investigation stating the same " certified as accurate. '' Once again you've failed to provide me with the procedure ( s ), process ( es ), and documents used to verify this inaccurate information. I've included in this complaint a copy of the blank bankruptcy section of my XXXX XXXX report as it doesn't list a bankruptcy in my XXXX consumer file, however you have XXXX listed as the source of the bankruptcy entry and closed my dispute stating you've verified this information. Who did you verify the bankruptcy information with and where are the documents showing the information used to verify it. Again, XXXX XXXX XXXX XXXX  Texas XXXX is an inaccurate address, I don't live at the address nor do i receive mail at the address, delete this address per the FCRA. I've disputed this address for over five years and you refuse to comply with 15 U.S.C. 1681. 

In each letter I requested your company mail me the documents used to verify the inaccurate bankruptcy information along with a copy of my FULL COMPREHENSIVE CONSUMER CREDIT REPORT which includes all information included and listed in my credit file by USPS MAIL. 

Per the FCRA, 15 U.S.C. 1681 ( a ), your company has failed to perform your due diligence by fully and completely performing a proper investigation of the inaccurate bankruptcy you've listed in my credit file and on my credit report.
Product: Credit card or prepaid card

On XX/XX/2021, I received an overdraft email for 'Unusual Debit Card Activity Detected ' with multiple transactions made from my debit card through a XXXX that I did not recognize, totalling {$4900.00}. I have contacted XXXX Support and Bank of America in hopes of them returning my funds, how the transactions were being made and had opened up a claim on Bank of America that same day. I immediately cancelled my locked and ordered a new debit which arrived on XX/XX/2021. 

Contacting XXXX Support resulted in them redirecting me to Bank of America since the nature of this claim was that the XXXX in question was not mine ; making the transactions of a fraudulent nature. Upon visiting a branch location, an associate told me that I had somehow given up my information to somebody I knew or left my debit card around, which was false. 

On XX/XX/2021 my claim with Bank of America was denied prompting me to call and contact asking the reason why ; being with the time it took me to open a claim, they were not able to pay me. 

On XX/XX/2021, upon receiving my new second debit card, more unauthorized transactions made through XXXX by the same person occurred within 48 hours of activation totaling another {$100.00}. Upon calling Bank of America support and opening up a second claim with the new debit card, I received a temporary credit for this claim but not for the {$4900.00}. 

On XX/XX/2021, I received another notice from Bank of America denying my second attempt at resolving the claim in getting the {$4900.00} back I contacted Bank of America again on XX/XX/2021 for more information on reporting the claim as fraud and retrieving my missing funds. An associate I spoke to that day informed me to fax a handwritten letter to Bank of America explaining how the transactions were unauthorized, along with a copy of an incident report with my police department and my XXXX statement for the year. I had also opened up a report with the Federal Trade Commission. I faxed the necessary documents on XX/XX/2021 at a Bank of America branch location. 

I received another notice from Bank of America on XX/XX/2021 stating that my claim was unable to be paid. I called the same day and an associate told me that while that status of my claim was listed as " resolved - claim not paid '', she informed me that they had only received my faxed documents and still were researching the claim and to wait up to 60 days to receive a decision. 

On XX/XX/2021, an associate informed me over the phone that my spending patterns and lack of response in the time frame was the reasoning behind their decision, even after explaining that this was the first time dealing with fraud and the first claim I have opened up in the 6 years I have been as costumer. I had also attempted to clarify that my debit card information was used for somebody else 's XXXX and not mine, and it made no sense for me to link my information when to a different XXXX account when I had my own. Towards the end of the phone call, the associate relayed that the documents that I had faxed over were not substantial enough to move forward with the claim.
Product: Debt collection

This card was paid off about one week prior to XX/XX/2021 when a payment for {$XXXX} cleared. The next billing cycle was after this date. We paid this electronically by phone and that should have been the balance in entirety. We have had to spend an inordinate amount of time trying to have this account closed. 

When we called to pay the balance in its entirety, we were told that would be the last payment needed. The payment came before the billing cycle. We were advised that was all that we needed to pay. 

We were then sent a bill for {$XXXX}. We called ( reference number XXXX. We were told again that they would be waiving that fee since we had paid it in full. 

We have again received a bill, now for {$XXXX}. We called and gave the representative the reference number above. He stated ( XXXX ) that we had a late fee and that they wanted this amount again. We stated that was not acceptable because we had already paid the balance in full prior to the end of cycle. We also reminded him that we had already taken time to correct this previously. 

XXXX now says that the account is back to a {$XXXX} balance, but was unable to give us a reference number. He did help us to gain access to the website so " You can check for yourself to see that the balance will be {$XXXX} in XXXX hours. '' My complaint is that this billing after payoff is suspect and should be investigated. For someone who does not possess the education and expertise of our agency, they may be in a constant state of paying interest and charges that are certainly not owed. 

I believe that the company should be investigated and these practices resolved. I suspect there are a considerable amount of former or current American Express clients who have been falsely billed and have paid false charges. I would assume this amount would be considerable. 

With respect, I remain, XXXX XXXX XXXX, XXXX, XXXX, XXXX
Product: Credit card

XXXX XXXX I received a letter that an application for credit was submitted to Wells Fargo Bank and another application was submitted to XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to inform you that the data for this account " XXXX XXXX '' appears inconsistent or inaccurate with established reporting standards. I would like to request a review of your information and prove its accuracy, completeness & timeliness before adding it onto my profile. I have looked over some aspects about CDIA requirements in order to make sure there are no discrepancies when reviewing accounts such as these ; please provide me more details on what is relevant so we can ensure 100 % compliance across all areas! I have no contract with XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted to have a credit card which I paid off in full on XX/XX/XXXX, XXXX XXXXXXXX XXXX. I have called and submitted a dispute online with Experian because the account is listed as included in a bankruptcy however that information is incorrect. The XXXX XXXX Account was paid in full and closed at my request in XX/XX/XXXX not included in a Bankruptcy in XXXX. 

I have submitted a dispute on this matter online through the Experian website on the following dates and uploaded my last credit card statement on the following dates listed below and the matter has not yet been resolved it comes back as already verified. 


Experian XXXX XX/XX/XXXX XX/XX/XXXX ( not resolved ) XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX, to delete these items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days after the Bureaus letters are sent. Ive already included this in my previous complaint & I am including it again. The items are listed below : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX, TN XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX TN XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX, TN XXXX, XXXX XXXX XXXX XXXX  XXXX, MI XXXX, XXXX XXXX Balance : {$25000.00}, XXXX Balance : {$1000.00}, XXXX XXXX  XXXX XX/XX/XXXX, XXXX OF XXXX XXXX
Product: Credit card or prepaid card

I have a Cash reward Bank of America credit card. I paid off my balance in full the day before my due date. I was charged interest for a {$0.00} balance statement. No where on my statement does it state that there would be an x amount charge additional. In all the statements they should provide an pay off in full option by a certain date to not be charged anything extra.
Product: Credit reporting, credit repair services, or other personal consumer reports

I has an account with XXXX in XX/XX/XXXX and paid the account in full a few months later. The company came back later to indicate I still owed money and when I refused to pay because I had evidence that the bill was paid in full, they reported that I was late to the XXXX  credit bureaus. To avoid further impact to my credit report I paid the money. 

In XXXX of XXXX, I received a letter and a check from the FTC indicating that According to the FTC 's complaint, XXXX  engaged in numerous deceptive or unfair practices, including : falsely advertising that it would accept payments by credit or debit cards failing to properly and timely credit payments made by check providing deceptive payoff quotes to customers trying to collect more money than the quoted payoff amount and making unauthorized charges to customers ' bank accounts.

When I reported a dispute to all 3 credit bureaus to have the missing payment information removed from my credit report based on the FTC information I received, but all 3 came back to indicate that XXXX  indicated the information is correct, rather than take into consideration the FTC notice which I have file several complaints with multiple agencies about XXXX practices and the inaccurate information on my credit report. I want the information corrected by all 3 credit reporting agencies because the FTC has proven that XXXX XXXX practices have impacted my credit ratings.
Product: Money transfer, virtual currency, or money service

On XX/XX/18, {$2500.00} was fraudulently transferred from my son 's XXXX Bank Account to my wife 's XXXX Bank account - and the then XXXX amounts totaling {$1000.00} were fraudulently transferred by Zelle to XXXX XXXX ( XXXX ) XXXX with payment ID XXXX and XXXX. I immediately contacted XXXX bank that day to dispute the charges. I was told that I could not dispute them until they posted to the account - and to call back once they posted. They came out of pending status and I contacted XXXX Bank again and filed the dispute. The claim number is XXXX. The representative was helpful and told me that the dispute would take XXXX business days and the money would be provisionally put back in my account as a " courtesy ''. As of today, XXXX, I had not received the credit- so I contact XXXX Bank to get the status. This time I was told the investigation takes XXXX business days, no provisional credit can be given in cases with Zelle, and I was told that they need the 10 days to " try to get the money back from Zelle ''. Now I am concerned that XXXX bank will simply drop the ball as they are completely useless and offer no competent customer service.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$590.00} XXXX XXXX  XXXX XXXX : {$25000.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a couple of bills in the mail stating that I needed to make a payment for a loan. I don't owe a loan. I don't have any loan under my name. I then called to verify and all my information had been used to open this account. I got a copy of my credit report and saw two loans  and a couple of other fraudulent items that are not mine. I have never seen these items in my life. Please remove these items from my report. Thank you. 

BANKRUPTCY CHAPTER XXXX-DISCHARGED  XXXX {$0.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00}
Product: Credit card or prepaid card

My deceased husband had a Discover card in his name. I was unaware of the card, was never an authorized user, nor did i formally agree to be responsible for this card.. He died intestate, in great debt, and because we were separated and lived in separate locations since XXXX it was quite a feat to deal with is finances. I notified all known creditors of his death and the majority were gracious when i explained that i had requested an autopsy and therefore any funds that i may receive as his surviving spouse would not come until approximately six months. Discover called my home at XXXX every week and Saturdays and called up until XXXX XXXX at night. The harassment was so great until i took to XXXXXXXX XXXX XXXX XXXX XXXX I spoke with the company and they requested proof that i did not live with my husband so i sent electric, gas, mortgage receipts, and other documents they requested for me to prove i was not aware of or responsible for the debt. i told them that there was not estate. They harassed me, invaded my privacy and to add insult to injury, they reported me to the credit bureaus as default on a debt and a 1099c for XXXX. I spoke with a representative to question why this action was taken even though it was not my debt and i was not required to pay it ; the customer service clerk said they were going to continue to attempt to either collect debt or charge me because my husband had used an account with my name on it to pay the bill. my name actually was initially on a XXXX XXXX XXXX account when were younger. However, my name was not on his checks and my checking account was at XXXX saving bank for several years. I was not aware that my name was still on that account.. Not sure if i was still an authorized user. I did not have a debit account for that XXXX account, and my name was not on his checks. Discover has ruined my credit and now jeopardizes me on my income taxes for federal and the state of VA. I am at my wits end and they won't listen. The tactics they are using are severe and harassing. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2018 I paid off an auto loan with Ally financial. I called and received emails for the payoff amount two weeks and up to the day I paid them them the balance. I received the title and a check for the overpaid amount. In XXXX they reported me 30 days late and continued to report this. Ive called them several times and the issue has not been resolved. Ive hired XXXX XXXX  to resolve the issue and have lost an additional XXXX $ to them. How can I resolve this issue?
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax refuses to investigate unauthorized questioniable inquiries. I have been disputing the inquiries for over 60 days. Equifax simply does not investigate the inquiries. Equifax online dispute simply sends me a standard letter stating the inquiries are a factual record of your credit report, please contact the creditors. I have 24 dispute file numbers and multiple replies from Equifax stating to contact the creditors. I have done that. Not one creditor has replied back. Equifax is simply ignoring the disputes, and failing to send an investigation. 

Inquiries disputed on XX/XX/3019 again File No : XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act this creditors 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 USC 1666b a creditor maynot treat a payment on a credit card account under a open end consumer credit plan as late for any purpose
Product: Credit card or prepaid card

About a year ago I was offered via regular mail a VISA card through XXXX XXXX that would be XXXX interest for the first 18 months. It sounded like a good deal and I took advantage of it. 

Earlier this year, US Bank bought XXXX XXXX 's XXXX contracts. It was to be a seamless transition. I assumed that all offers made by XXXX XXXX would be honored. Not so. 

XXXX XXXX sold my contract to US Bank representing it as earning 14.99 % which it was not, at least not at that time and would not be earning interest until sometime around the first few months of 2022. 

After receiving two bills adding interest to my account XXXX to the tune of some $ XXXX XXXX, I contacted US Bank customer service to find out what was going on. I should not have been charged interest for several more months. The hapless representative who went by the name of 'Amythyst ' was unable to access any of my account information prior to the US Bank acquisition in XXXX of this year, I believe it was. XXXX XXXX only said this account was earning 14.99 %. She had the authority only to lower that by two percentage points even after checking with their contracts department who could offer no additional light on this. Neither did they have any contact information for XXXX XXXX. 

It appears that I am left holding the bag on this. I suspect that I am not the only former XXXX XXXX XXXX holder who is now, and in breach of contract being charged interest with no immediate remedy available. 

I suspect, and this is only my opinion, that there are some shenanigans going on behind the scene here. Did XXXX XXXX 'fatten ' the deal to XXXX Bank XXXX new accounts acquired through their generous no interest offer and then represent them as earning 14.99 % in the sale of those contracts to the bank? Stranger things have happened and I wonder. 

What recourse do I have at this point? This has put me in a bit of a financial bind. 

Thank you for taking time for this matter. 

Respectfully, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Oregon XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent Credit Acceptance Corporation a letter stating the inquiry they have made on my report in XX/XX/2002 that I had no knowledge of. I ask that they remove the inquiry immediately or provide me with documentation with my signature authorizing them to make an inquiry in my report. I received a response letter and it stated based on their investigation they confirm the inquiry on my report but Credit Acceptance Corporation fail to provide in documents supporting their claim. They didnt not provide me with any documents with my signature authorizing the inquiry.
Product: Mortgage

I am requesting the New Jersey Department of Banking and Insurance to investigate the actions of Roundpoint Mortgage for applying lender-placed XXXX XXXX of around {$8000.00} to my mortgage account in XXXX 

This insurance was unnecessary because : - New Jersey does not require XXXX  insurance. 
- My homeowners insurance policy for XXXX  already included XXXX XXXX, which I can provide proof of. 

Preventing such unwarranted charges in the future for myself and other consumers. 
Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I leased a XXXX XXXX XXXX from XXXX XXXX, in XXXX XXXX, California, in XXXX of XXXX. I turned in the car early on the lease to XXXX XXXX XXXX in XXXX, California and leased a new XXXX XXXX. I was told by XXXX XXXX XXXX sales staff that my XXXX account with Hyundai Finance would be closed with the new lease. 

It was not and my credit and my mothers credit has been ruined. XXXX XXXX XXXX was desperate to make this sale and lied to me accordingly. 

I called Hyundai Finance on XX/XX/XXXX to try and resolve this. I spoke to XXXX, XXXX, XXXX, and XXXX XXXX. No one was willing to help me. 

I filed disputes with the XXXX, XXXX, and XXXX. On XX/XX/XXXX, XXXX  denied my dispute. 

It is so wrong that my credit has been destroyed because of a misunderstanding or misrepresentation over {$160.00}. Please help me CFPB. 

As for the public, do not trust XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted letters for investigation in and not got a response in a timely manner.