23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

On XX/XX/2023 US BANK agreed to refund a {$36.00} overdraft fee after stating that I should not incur the fee because I have the ability to bring the account current before XXXX close of day and the fee will reverse back into my acct the same night. I followed the instructions and immediately brought the account current but never received the fee reversal. Previous to this, another cust serv agent stated I would not incur an overdraft fee because the overdraft charge was under {$50.00}. At this point I've been given two very different reasons why I should not have incurred an overdraft fee. To date I have not received the reversal of fee and have now been compounded with another {$36.00} fee as another item was returned because I did not receive the fee reversal as promised. I am now out of {$72.00} dollars because of being misinformed and misled and misdirected by US BANK agents. US BANK now says that I was misinformed on 3 occasions and will not be receiving {$36.00} overdraft refund because I have a BUSINESS account and those courtesies I was told ONLY APPLY TO PERSONAL ACCOUNTS. On 3 separate occasions from 3 totally separate agents I was misinformed. Seems to me that US BANK has a problem with their training and reps. US BANK told me during my final conversation that this is not their responsibility and that agents can tell customers anything they want and it doesn't hold them accountable for what they've conveyed. US BANK said it's all my fault for not managing my account. I have spoken with US Bank several times to this date to no avail with the final cust serv agent ensuring me she would have that fee back into my account and apologized for the consistent chain of misinformation I had received from previous agents. To date I am owed {$72.00} in fees. Had US BANK provided accurate information on the first call, we would not be in this situation. A company that trains their employees to tell customers ANYTHING and not worry about consequence explains why I received misinformation 3 times.
Product: Credit reporting, credit repair services, or other personal consumer reports

The account XXXX XXXX was previously closed and removed from my credit report as of XX/XX/XXXX, I double checked on XX/XX/XXXX and it was Closed and removed the same day. How ever the Credit Bureau Transunion and XXXX have Reinserted this Unverified Collection that was previous deleted. I have written multiple documents to both creditors as well as contacted the collector who could not substantiate this collection which is why it was deleted it has been disputed and no help has resulted in 4 months Per 15 U.S. Code 1681i - of the FCRA ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. 


Which was never done so this should be deleted as it initially was when it was not verifiable
Product: Credit reporting, credit repair services, or other personal consumer reports

I have the XXXX XXXX app to keep track of my scores. I recently logged on and saw several unknown suspicious accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. Please take these unknown items off my report. XXXX XXXX {$280.00} COLLECTIONS XXXX {$26.00} XXXX XXXX XXXX {$740.00} XXXX XXXX XXXX {$230.00} XXXX  XXXX {$430.00} XXXX XXXX XXXX  XXXX {$95.00} US DEP ED XXXX {$5000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX credit report shows Selene Finance with adverse information. In XXXX I was working with XXXX XXXX XXXX to modify my home loan via Court Ordered Mediation here in XXXX  XXXX Court. While in mediation, Selene Finance purchased my loan from XXXX. In mediation, all payments and foreclosure proceedings have a court ordered STAY until the modification is complete. Selene knew they had purchased a loan in modification. Nonetheless, marked my loan as 120 days overdue in XXXX of XXXX. The modification was completed in XXXX of XXXX and I was never late with Selene. To be eligible for the modification I had to make three on time payments commencing XX/XX/XXXX. This was successful. Selene had no right to report my loan 120 days overdue to any credit bureau. Twice now I have written letters to both Selene and XXXX and mailed certified mail with return receipt. I just received a ruling from XXXX that Selene again reported the 120 day overdue. This is a major hit to my credit and an unfair practice.
Product: Credit reporting or other personal consumer reports

I discovered that my consumer rights have been violated through the dissemination of inaccurate information on my credit report. As a consumer, I have the right to fair and accurate treatment under the Fair Credit Reporting Act ( FCRA ), specifically outlined in 15 U.S. Code 1681e ( b ), which mandates that credit reporting agencies ensure the maximum possible accuracy of the information they furnish. 

Upon reviewing my credit report, I identified several discrepancies in my personal information, accounts, collections, and hard inquiries that fail to comply with FCRA standards and XXXX XXXX data field formatting guidelines. These inaccuracies include incorrect personal details, such as my current and previous addresses, name, and date of birth, which are as follows : Personal Information Errors : Incorrect Current Address : 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 The presence of this false or unverifiable information violates my rights under 15 U.S. Code 1681i ( a ) ( 1 ) ( A ), which requires credit reporting agencies to investigate disputes within a reasonable time and correct or delete any inaccuracies promptly.

Additionally, I am challenging the lack of evidence supporting the inclusion of the listed accounts and inquiries in my report. Under 15 U.S. Code 1681b ( f ), permissible purposes for accessing and using my credit report must be established and verified. The failure to validate these accounts and inquiries jeopardizes the integrity of the data and my financial standing. 

I demand the immediate removal of these inaccuracies and any unverifiable information from my credit report. I insist on a verified and accurate explanation or correction as per the 2020 XXXX XXXX XXXX XXXX ( XXXX ). Failure to address this promptly may result in further action to protect my rights and seek redress for damages caused by this negligence.
Product: Credit reporting or other personal consumer reports

Despite my repeated efforts to write and call TransUnion to correct multiple inaccuracies on my credit report with TransUnion, these errors remain unresolved. These inaccuracies negatively affect my creditworthiness and violate my rights under the FCRA. 

The issue : inaccurate names on the accounts, inaccurate account numbers, inaccurate dates of last activity, inaccurate payment history. 

TransUnion failed to explain the method of validation and provide information on how accounts were verified as accurate.

The specific violations I have encountered include : 1. Failure to Ensure Maximum Possible Accuracy ( 15 U.S.C. 1681e ( b ) ) : The FCRA mandates that credit reporting agencies maintain reasonable procedures to ensure the " maximum possible accuracy '' of the information in consumer reports. The persistent errors on my reports indicate a lack of adherence to this requirement.

2. Failure to Conduct Proper Reinvestigation ( 15 U.S.C. 1681i ( a ) ) : When a consumer disputes information, the credit bureaus are required to conduct a " reasonable reinvestigation '' within 30 days. Despite providing supporting documentation, the reinvestigation process has failed to correct these inaccuracies, which suggests noncompliance with this provision.

3. Failure to Delete Inaccurate Information ( 15 U.S.C. 1681i ( a ) ( 5 ) ) : The FCRA requires that inaccurate or unverifiable information be deleted from a consumers credit report. The continued reporting of these errors violates my rights under this section.

4. Neglect of Furnisher Responsibilities ( 15 U.S.C. 1681s-2 ) : The entities that provide information to the credit bureaus ( " furnishers '' ) are required to ensure the accuracy of their reports and promptly correct any errors. The credit bureaus have failed to ensure that furnishers comply with this requirement.

5. Failure to Provide Full Disclosure of Information ( 15 U.S.C. 1681g ) : The FCRA requires credit bureaus to disclose all information in a consumer 's file upon request, including the sources of that information. The credit bureaus have failed to provide complete and accurate disclosures of the information in my file. 

These persistent errors have caused significant financial harm and stress, affecting my ability to obtain credit on fair terms.
Product: Debt collection

AFNI NOW OWNS THIS XXXX DEBT. I HAVE DISPUTED WITH BOTH XXXX, AFNI, AND THE FCC. HERE IS MY STORY : AS A NEW CUSTOMER I WAS PROMISED A BUNDLE DEAL WITH XXXX AND XXXX XXXX FOR {$80.00}. I DID NOT WANT TV, BUT THEY TALKED ME INTO IT BECAUSE IT WAS SUCH A GOOD DEAL. I GOT MY FIRST BILL, IT WAS {$180.00} I CALLED THEM AND THEY ASSURED ME THAT MY NEW CUSTOMER REBATES HAVE NOT KICKED IN YET, TO WAIT 30 DAYS AND THEY SHOULD REFLECT. AFTER 30 DAYS.. ANOTHER BILL FOR {$150.00}. UNHAPPY I CALLED BACK AND THEY TOLD ME THAT THE PERSON THAT SET ME UP ON THE PLAN, DID IT WRONG!! AND THAT SINCE ITS BEEN 30 DAYS, THEY CANT CHANGE IT SO THEY HAD TO ESCALATE IT TO HIGHER MANAGEMENT. SO I DID. AND IT SOLVED NOTHING. I ESCALATED IT TO THE HIGHEST DEPARTMENT AND THEY TOLD ME THERE WAS NOTHING THEY COULD DO! HOW CAN THEY DO NOTHING WHEN THEY XXXX UP? NOT ME, THEM. THEN THEY STARTED BLAMING XXXX AND SAYING IT WAS THEIR FAULT, SO I GOT THEM ON A 3 WAY CALL AND FORCED THEM TO TALK AND XXXX ADMITTED FAULT SINCE THEY ARE THE ONES THAT SET ME UP WRONG. i WROTE A LETTER TO THE PRESIDENT, WHICH WAS THE HIGHEST THING I COULD DO WITHOUT HEIR USELESS SUPPORT AND THE PRESIDENT NEVER RESPONDED! I CANCELLED MY SERVICE AND THEY BILLED ME FOR THE REMAINING SUM OF THE CONTRACT FOR CANCELLING. THEY ROBBED ME. THEY DO THIS TO EVERYONE. ITS WRONG. THEY NOW SOLD MY ACCOUNT TO AFNI COLLECTIONS FOR A TOTAL AMOUNT OF {$1000.00}, I WOULD LIKE TO GET THIS DISPUTED. I contacted afni to dispute but have not heard back.
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. 



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 has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

I have held several capital one credit cards for about three years now and have been on auto pay with payments coming out of the same XXXX XXXX checking account to cover the minimum payments for each credit card. 
Between XX/XX/2022 and XX/XX/2022, Capital one was accepting payment on two of my credit cards but rejecting payments from two other cards ( platinum and Quick Silver ) thus returning the payment and charging late fees ; moreover, reporting late payments to my credit report. They took zero accountability and blamed XXXX XXXX bank claiming that XXXX XXXX had blocked payments on the two cards that had never had any issues before receiving payments unless it was due to insufficient funds ( in this case my account had money available to cover the bill ). The other two cards received funds from the same account without incident. 
When I spoke to two XXXX XXXX branch managers an bout my account they assured me that there werent any blocks against Capital one nor was it due to any insufficient funding. Capital one refused to refund the late fees and to update the credit bureaus on the error. payment on two of my credit cards but rejecting payments from two other cards and charging late fees ; moreover, reporting late payments to my credit report. They took zero accountability and blamed XXXX XXXX bank claiming that XXXX XXXX had blocked payments on the two cards that had never had any issues before receiving payments unless it was due to insufficient funds ( in this case my account had money available to cover the bill ). When I spoke to two XXXX XXXX branch managers an bout my account they assured me that there werent any blocks against Capital one nor was it due to any insufficient funding. Capital one refused to refund the late fees and to update the credit bureaus on the error.
Product: Credit card or prepaid card

My checking account with XXXX  XXXX XXXX had cashed a forged check. The same day I tried paying my bill for Barclays, which did not go through. Since the payment was returned, I was charged a fee. However, this was due to my accounts fradulent activity that I had a negative balance and the payment was returned. Barclays will not return the fee.
Product: Checking or savings account

On or around XX/XX/XXXX, USAA abruptly closed my checking account. I was alarmed when I couldn't login to either phone app or web browser. I tried multiple times and then noticed the vague bubble popping up and fading stating that for security reasons, my account has been closed. I then contacted USAA. After a 35 minute hold awaiting the reason for not being able to access my account, the lady stated okay Sir, the reasons your account has been closed is because we at USAA have implemented a new policy and that policy gives USAA the right to use the option of closing your account. I asked, for what? She then stated because of a XXXX background XXXX charge on your account. I was so confused because I had been a member of USAA for 5 years now. I was lost for words and she then said thank you for your Service and for banking with USAA for 5 years is there anything else I can help you with? I said wow, really? What about my insurance? I have rental and car insurance. I just obtained a new policy. Well, I'm unsure about that let me transfer you to that department. The lady with the Auto insurance stated that my insurance policies were current and not cancellation was in place. Well, 2 weeks later, I received a letter stating my insurance policies were then closed immediately. I not only lost the money I just paid for my current month, but I did not have any access to my money to obtain new insurance. After I did find the best quote it is now {$65.00} more a month with less coverage. My rights and benefits as a veteran was snatched away because they decided to act on a new policy. 
It has caused me nothing but XXXX XXXX  as a veteran with XXXX and sleepless nights. This has caused me a loss in finances and so much more.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax changed my first and middle name without a request from me or my permission. I have never changed my name nor do I use aliases. They had a data breach in 2017 which appears to have resulted in mixing my file with another consumer 's file. I first found out when I had to pay a double deposit to rent an apartment, something I've never had to do. Following this, I requested a copy of my credit report that included this other consumer 's SSN, date of birth and first name. His debt with XXXX XXXX still presently shows on my Equifax credit profile for {$250.00}. I confirmed the debt belongs to this person with both XXXX XXXX aka Spectrum XXXX my current cable/internet provider ) and the collection agency holding the debt, XXXX. XXXX confirmed the debt showing and the name are from Alabama, a place I've never lived. I've called Equifax on more than 40 occasions to correct their records without any assistance and repeatedly refusing me information about when the changes occurred and how. They've also told me a creditor can change my bureau information without my consent, which I think shouldn't be allowed, especially since they refuse to disclose who did it and when. On my last call with them, one of their agents confirmed having a copy of my SSN card and and TX license on file since 2017 but refusing to use them to correct my name in their system. The debt in this person 's name has resulted in higher interest rates and paying more for credit. They've also not correctly handled the disputes for the erroneous debt showing on my credit. Whenever XXXX attempts to correct the information, they encounter the name issue and assume accuracy. I'm at my wits end. Equifax is the only bureau showing my name this way. Consequently, my score with Equifax is 20 points lower than all other bureaus.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX THIS INQUIRIES IN NOT MINE
Product: Credit reporting, credit repair services, or other personal consumer reports

I called your department after I purchased a credit report with XXXX on XX/XX/XXXX. After receiving a copy of my report, I saw some UNVERIFIABLE information that on my personal profile, I noticed that there was CHARGE OFF account on my credit report. This is disappointing because I have been paying XXXX XXXX  to get a report every month and I have been disputing fraud accounts on my credit report all this time on my personal profile but still youre not taking any actions. One of your staff told me to write a letter and attach a copy of the identity theft report ( FTC report # : XXXX ). I have never with these accounts listed below, so please help me remove this charge off from my personal profile. A copy of my XXXX XXXX, drivers License, and SS Number are all included in this written request. Please help me resolve this issue as soon as possible. I found that under section 605b ( a ) Experian shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt and it requires the following documents and statement to remove the disputed accounts on my file : ( 1 ) Appropriate proof of the identity of the consumer ; ( 2 ) A copy of an identity theft report ; ( 3 ) The identification of such information by the consumer ; and ( 4 ) A statement by the consumer that the information is not information relating to any transaction by the consumer.

The dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given t
hat term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1300.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Submitted a dispute to Equifax regarding the wrong addresses listed on my consumer credit report. There's been identity theft and addresses on my credit report that are not mine and do not belong to me. The only address that should be listed in consumer 's credit profile is the address listed on consumer 's identification, driver 's license or the address on consumer 's current mailing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent my second letter to XXXX, Equifax, and XXXX giving them an opportunity to rectify the situation and they have not. They are reporting inaccurate information and they're reporting a bankruptcy that I have disputed and asked for them to remove. 

I have asked them to remove names, addresses, and employers that I am not associated with. I also told them to remove my social security number ( last four digits ) my birth date/ year.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, TRANSUNION AND XXXX ARE REPORTING IN ACCURATE INFORMATION ON MY CREDIT REPORT. 

XXXX : ACCOUNT XXXX XXXX XXXX   ACCOUNT XXXX ACCOUNT XXXX CHILD SUPPORT ACCOUNT XXXX XXXX XXXX XXXX XXXX / XXXX XXXX XXXX IS NOT MINE ACCOUNT XXXX XXXX XXXX XXXX IS NOT MINE ADDRESS : XXXX XXXX XXXX, FL XXXX IS NOT MINE XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX IS NOT MINE XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX IS NOT MINE XXXX XXXX XXXX XXXX XXXX, FL XXXX IS NOT MINE
Product: Credit reporting, credit repair services, or other personal consumer reports

It was just reported ( XXXX XXXX 2017 ) that Equifax, one of the 3 main credit reporting bureaus, was hacked and breached, beginning in XX/XX/XXXX, and millions of Equifax users, like myself, may have had very sensitive personal information stolen. I am outraged at the delay in reporting the breach to consumers, which, according to security experts, could have been prevented by creating multiple layers of security that Equifax did not install. Moreover, it was additionally reported that several high ranking Equifax executives sold millions of dollars of Equifax shares before the breach was made public. These people should be prosecuted, if possible, but at the very least they should be fined an amount that exceeds any profit made on the sale of their shares. 

Equifax created a webpage for consumers that supposedly would allow them to check if they had their data compromised. When I attempted to go to this page, my XXXX security software issued a warning that this site was a high risk. Im not sure what steps Ill take next, but I want to complain in the strongest possible terms about the incompetent and indifferent actions Equifax took and is taking in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have no financial obligation to the accounts/companies. I requested a description of the procedure used to determine the accuracy and completeness of the information reported but credit bureaus only provided a computer generated print out which is unacceptable by the FTC.. An itemized printout does not represent verification..Remove the accounts asap..XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX