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

My XXXX  XXXX credit card balance was reported prematurely either by XXXX XXXX, or by the CRAs doing self-reporting. The banks have no valid reason to prematurely report credit card balances out of their normal [ once a month ] cycle. Therefore, I am very suspicious of the involvement of the CRAs. 
This complaint is to give XXXX XXXX an opportunity to respond appropriately to the matter with any evidence it can provide to clear itself, as I do not believe it was responsible. If it was they will need to deal with my attorney amicably in the matter. 

On the other hand, if the diligent investigation of my attorny finds any of the CRAs utilized their position to retrieve an out-of-cycle balance and then self-report it, there will be severe legal consequences and regulatory provisions. 

I currently do not know who acted to afrfect my balance out of cycle - my score has dropped at all 3 CRAs as a result. This is unacceptable, as I have a habit of paying my balances down to XXXX or near XXXX, prior to them being reported. 
I urge the CFPB to work with me to ferrit out the culprit, as either XXXX XXXX or XXXX is being dishonest in the matter. I hope it is not XXXX XXXXXXXX, as I only recently started a relationship with them that I was tending to grow. 

I am asking the CFPB, when you read this to identify any patterns of banks or CRAs prematurely reporting balances out of cycle, - as a new consumer advocate I plan to agressuvely pursue such behavior, given the impact it can have on a consumer for their score to be impacted unexpectedly. Today consumers are taking advantage of the credit game, acting swiftly to acquire XXXX percfent interest credit and unique offers while they last. Consumer like me do not have the time or inclination to constantly battle with the CRAs as to how they report information. I currently have numerous dispuets open at all 3 CRAs, as I'm acting very rpoactively and ensuring they follw governing law, complying with it, and more expediently instead of utilizing the 60-day window to respond when it suits them. The clock is ticking.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted several letters to all 3 credit bureaus- Equifax XXXX XXXX XXXX and XXXX disputing this Account with ( XXXX XXXX - name as reported to my credit report. They keep sending me a letter that this account was verified but have failed to explain WHY, WHO, & WHEN. ( DEBT VALIDATION ) They have failed to present me with proper documents that show their method of verification. They have also failed to show me original documents bearing my signature with this account. 

This account also shows a few incorrect information such as the ''date opened '', ''date verified '', '' closed date '', ''account status '', ''dispute status '' and ''date of last activity ''. ONLY ONE BUREAU IS SHOWING A ACTUAL CLOSED DATE FOR THIS ACCOUNT. THIS ACCOUNT NUMBER IS ALSO INCOMPLETELY REPORTED FROM ALL 3 BUREAUS. This account is also in VIOLATION of Metro 2 Compliance because THIS ACCOUNT IS ALSO REPORTING INCORRECTLY & ALOT OF FIELDS ARE BLANK & MISSING INFORMATION. THIS ACCOUNT IS ALSO REPORTING A " LATE-PAYMENT STATUS '', WHICH IS ILLEGAL BECAUSE A CLOSED ACCOUNT IS NOT SUPPOSED TO REPORT LATE PAYMENTS NOR A BALANCE. 

In addition, I have been sending dispute letters to these bureaus and they have FAILED to update the ''dispute status '' of this account. 

All 3 credit bureaus are reporting DIFFERENT INFORMATION on this SAME account which is ALSO against my consumer rights. According to the FRCA consumer reporting, agencies must correct or delete inaccurate, incomplete, or unverifiable information. If this INCOMPLETE, UNVERIFIABLE, UNFAIR, and INACCURATE information is not deleted in 30 days I will be visiting my local small claims court to begin the process of a Lawsuit against ALL 3 credit bureaus and ( XXXX ). I expect to receive an updated credit report within the next 30 days showing that this account has been DELETED.
Product: Credit card

This is for the Barclays Card Elite Mastercard. I have used the Easy Pay Defferal payment option and I am now being double charged for transactions. Customer support is completely unhelpful in following the accounting of the transactions. I am paying interest on balances that have already been paid off in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and XXXX are reporting duplicate accounts for the same account that has been paid in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with with the Fair Credit Reporting act XXXX XXXX  account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX and 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 602 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Debt collection

Not enough information to verify debt : In XX/XX/XXXX, XX/XX/XXXX and XX/XX/2019 I requested for XXXX XXXX XXXX to verify acording to the FCRA section 609 ( a ) ( 1 ) ( A ) - through the physical verification of an original signed consumer contract and have been responded with verified as accurate without the requested documentation, continuing to be in violation according to section 611-non compliance and continuing to damage my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just got my credit report after almost 2 years of not monitoring my report after getting calls by collections agencies asking me for my informations to verify a debt, which I refused to do and then checked my report. I have been a victim of identity theft and had fraud alerts placed on my reports 2-3 years ago YET some accounts have still been opened. 
Not just that they refused to removed addresses Ive never been associated with or like at AND XXXX has a ssn on my profile that isnt mine and REFUSES to remove it. 2 years ago I had them remove it by disputing it, I sent in a copy of my DL, a picture of my ssn etc and they told me it will be removed. They never did! They I called to let them know that XXXX XXXX Cant even generate my score because of mix match files on my report ( the ssn ) and they had the nerves to tell me nothing is wrong with my credit file and they can send me by mail my credit report. XXXX?!? I need to acces my credit report online! I dont pay {$29.00} to have to call you and request my credit report. I have been unable to open a checking account with XXXX XXXX even though I have a savings account with them because they uses XXXX and couldnt access my report. Again XXXX was no help. This is my last attempt before I lawyer up and sue them.
Product: Credit reporting or other personal consumer reports

My credit report is showing late payments to XXXX XXXX XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX  customer service representative.
Product: Credit reporting, credit repair services, or other personal consumer reports

I DON'T RECOGNIZE ANY OF THESE HARD INQUIRIES : XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

Request for Assistance and Investigation Regarding Misrepresentation in Car Loan from XXXX XXXX XXXX XXXX And Westlake Financial Services I am achieving out to are trying to find your help and guidance concerning an issue I actually have encountered with the acquisition of my use automobile from XXXX XXXX XXXX XXXX. , positioned at XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX, and the related financing thru Westlake Financial Services , located at XXXX XXXX XXXX XXXX XXXX XXXX. 
On XX/XX/XXXX, I entered right into a vehicle buy settlement with XXXX XXXX XXXX XXXX For a XXXX XXXX XXXX . The marketed rate for the automobile become barely over {$10000.00}, which initially attracted me to the auto. However, upon reviewing the contract, I observed XXXX additional charges that had been now not disclosed during the purchase procedure. These undisclosed expenses significantly improved the general price of the car, a fact that changed into now not transparently communicated to me in the course of the negotiation and purchase. 
Furthermore, upon nearer inspection, I noted that the real mileage of the car changed into higher than what was to start with marketed. This discrepancy increases issues about ability misrepresentation and deceptive advertising practices employed via the dealership. It seems that false or misleading information may also were supplied of their commercials, influencing my decision to buy the automobile. 
As a result of those findings, I believe I have been subjected to unfair treatment as a customer. Therefore, I am attaining out to request your assistance in addressing this rely with an appropriate regulatory frame, particularly the Federal Trade Commission ( FTC ), to request an investigation into this be counted and to searching for intervention.

I accept as true with that the dealership may have engaged in deceptive advertising and marketing and pricing practices, ensuing in financial harm and unfair treatment to me as a patron. I kindly request that the FTC very well look into this remember and take suitable movement to make certain that my rights as a patron are blanketed. I am keen to cooperate completely and provide any further statistics or documentation that can be required to guide your research.

It is disheartening to find myself in a scenario wherein I am procuring a used vehicle as plenty as a brand new car rate due to undisclosed prices and potential misrepresentation. Your prompt interest to this rely would be significantly liked, and I sit up for a resolution that upholds fairness and transparency in patron transactions.

Should you require any further records or clarification, please do not hesitate to contact me at [ XXXX XXXX XXXX ] XXXX Please see attachments in your evaluation. 

Thank you on your interest to this count number. 
Sincerely, [ XXXX XXXX ]
Product: Money transfer, virtual currency, or money service

Paid a fee I didn't receive the grant money.from this phone number XXXX XXXX XXXX.to this name.XXXX XXXXSpokane city Washington.XXXX.I sent XXXX  dollars money gram to this address.ticket number.XXXX.what can I do to get my money back or have them indicted.my name XXXX XXXX XXXX XXXX XXXX.the company XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, DEPT OF EDUCATION/XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, Company Inquiries : 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: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Account # XXXX is fraudulent attached is a ftc report. 

XXXX XXXXXXXX XXXX is listed as me being an authorized user I'm not I've never been.
Product: Debt collection

This is so annoying & frustrating. Ive sent Equifax multiple letters that Im the one whos disputing the items that are UNKNOWN to me. In Equifax 's responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify these claims? First of all, I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. ( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. Again, under FCRA 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and My Financial Freedom that has been DAMAGE. List of items that are UNKNOWN to me : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
Product: Mortgage

I am filing this complaint because I were recently alarmed by a statement from a first American title insurance company in reference to claim no.  XXXX  referred by parks title and the intake worker said BOTH OF YALL NAME IS ON THE TOP OF THE TITLE. I am seeking action without delay to deal with   XXXX   XXXX   whom committed mortgage fraud and must be held accountable.
  XXXX   XXXX   and his daughter Immaculuate   XXXX   listed on the covenant deeds claim they bought   XXXX   XXXX   XXXX   at a bank sale for   XXXX    from   XXXX   XXXX     XXXX   XXXX   and harassed me to moved out.
They claim parks title conducted the title work and I were contacted by the federal trade commission in  XXXX  revolving around ftc #   XXXX    and instructed to call   XXXX   and see what they would do for me. They repeat over and over that they were sorry for what happened to me and would do a lien release on the property which I received  XX/XX/XXXX . The  XXXX  loan is marked paid off on my credit report in  XXXX . Also the case was published by the OCC complaint no.  XXXX   XX/XX/XXXX  against   XXXX   XXXX   and fined   XXXX   XXXX   and a cease and desist order made by the Court.
There is no legal transaction on record.
Product: Checking or savings account

XX/XX/2022 at XXXX I received an email from Bank of America to confirm my email account. At XXXX I received an email from Bank of America that an online application was in progress for me to open an XXXX XXXX Banking Account. I did not attempt to open this account. There was nowhere on the email for me to deny opening that account. I have spent 3 hours on the phone, mostly on hold, with Bank of America to report this fraud. I keep getting transferred to different departments and being placed on hold between each transfer. On some of the transfers, the automated system will end the call because I do not have an account number. I am currently on hold after being transferred to sales and being refused to talk to a manager, I was again put on hold to reach the checking account fraud department.
Product: Checking or savings account

On XX/XX/year>, I got a text about fraud on my phone. I replied N and immediately received a phone call from a XXXX XXXX claiming to be USAA. 
They asked me a bunch of questions to verify and told me delete the card from my XXXX XXXX. 
I then received a follow up call 15 min later and they asked me to click Y to a XXXX charge to make sure the alerts were working. 
On XX/XX/XXXX, I called USAA because my bank account was emptied and quickly realized that the people who called me were the people who committed the fraud. 
I then spent 4 hours on the phone with the agent listing the 61 transactions totaling {$4900.00} ( all in XXXX and XXXX Arizona were I havent been in XXXX yrs ). 
I was given some provisional credits but on XX/XX/XXXX the bulk of them were reversed out of my account. 
I called USAA again and was told that their were no notes put in about the fraud people calling me. I said I wanted ( per their letter ) the backup for how they came to that determination. She told me she would have hand enter in the requests and I was kept in the phone for 4 hours while she entered in the request for backup information. 
On XX/XX/XXXX, I was resent the same letters I was sent before. No information- just copies of the transactions with deemed not fraudulent. 
So I called USAA again on the XXXX, I was told by this rep that I should have been routed Financial Crimes Unit. I finally talked to someone there who said I shouldnt be responsible for charges. That she would resubmit them and if I didnt see it fixed in 10 business days to call back. 
On XX/XX/XXXX, I called back because more money was reversed out of my account not added. I spent 45 minutes getting bounced from one department to another. Spoke to XXXX, XXXX, XXXX, and XXXX for 45 minutes repeating my story. 
I finally got to someone who said they would ask disputes to reexamine my cases and spent another 4 hours on the phone with them. She also said if I had anything I could upload showing I wasnt in Arizona on those dates - that would be helpful but gave me no indication of what would be valid proof ( so I sent some in store purchase receipts ). 

As of today, out of the {$4900.00} in fraud, {$3200.00} was deposited and then reversed because it was deemed not fraudulent, {$1000.00} was provisionally deposited but is still pending ( meaning they can take it out at any time ), and {$630.00} was approved as fraudulent. 

A majority of these purchases were made at two vendors XXXX and XXXX ( about 90 % ).
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. XXXX and TransUnion must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to be investigated and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXXXXXX XXXX Balance : {$0.00}
Product: Debt collection

ORIGINAL DEBTOR XXXX 2 ) ORIGINAL DEBTOR SOLD XXXX. 3 ) TEXAS STATUE OF LIMITATION IS 4YS. DEBT IS OVER LIMITE. 4 ) SOLD TO NAR INC XXXX XXXX XXXX XXXX , XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was looking through my XXXX XXXX account I have noticed there is some fraud and stuff i never authorized such as XXXX  XXXX XXXX XX/XX/2019, XXXX XX/XX/2019 on transunion. This is all inaccurate information. 


Also on XXXX  I am being hit with hard pulls that you I never authorized. This is also fraud on the following pulls XXXX XX/XX/2019 & XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I applied for a credit card with XXXX under the constant pressure and recommendation through an bombardment of emails from Experian stating that by getting another credit card from one of their partners it would increase my credit score and lessen my debt ratio. However on XX/XX/XXXX my credit score dropped XXXX points from Good XXXX XXXX XXXX to Fair XXXX XXXX ) due to the fact I was denied by XXXX without reason despite my Good credit score and exceptional payment history of never being late with a payment. This happened again on XXXX XXXX, XXXX causing my score to drop another XXXX pts. Experian sent emails nearly everyday telling me to apply with their partner only to be denied twice and causing my credit to drop 16 pts. If this is their partner they should know exactly what they are looking for, because otherwise this appears to be a set up to intentionally worsen one 's credit. I sent them a letter last year about this behavior and never received a reply. Also I called on XX/XX/XXXX and spoke with XXXX and informed her that there are three ( 3 ) inquiries on my report that I did not authorize and that the only one I did was XXXX  on XXXX XXXX, XXXX. She said that they will remain for 2 years. This decreased my score by 4 pts. Also on XX/XX/XXXX I decreased one of my credit cards from nearly {$6000.00} to {$1200.00} and my scored dropped 13 pts to XXXX. This should never happen when someone pays over {$4000.00} to lessen their debt. Then on XX/XX/XXXX my score decreased again by 5 pts. to XXXX after I acquired an auto loan. This after receiving emails from Experian about everyday telling me that if I acquire an auto loan it would help my credit. Experian has done nothing but sabotage my credit on purpose with their misleading and false emails. I want my credit restored to Good and for them to stop sending me anymore false and/or misleading emails that are definitely not going to help my credit. Again they need to know the exact criteria of their so called partners for approving credit without chance or fault. Otherwise they are only sabotaging and destroying one 's Good Name and Credit worthiness.
Product: Credit reporting or other personal consumer reports

I placed an order for my Credit Report through XXXX site on XX/XX/XXXX for all the Credit Reporting companies. I got the reports for XXXX and XXXX, but I was told to request the report from Equifax by mail. I sent the request for Equifax by mail and was told I will receive the report within XXXX. I mailed the completed form to the address provided by XXXX, but until the time of my writing, I have not receive the report from Equifax. This was exactly what happened when I requested the report in XX/XX/XXXX. I was not bothered then because I got the reports from the other XXXX companies, except Equifax. I need the report urgently because I believe I am a victim of ID theft. I recently received a refund check from a company which I did not buy anything from. I also received a notification from a car dealership which I did not visit.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2018 I submitted a dispute to Experian, XXXX and XXXX regarding a credit card that was not mine ( XXXX XXXX XXXX  ). XXXX XXXX XXXX in turn sent me paper work to declare the credit card was not mine. I signed the letter in dispute of the credit card that I indeed did apply for a XXXX XXXX Credit card but I never received the card in the mail and had no idea I was even approved. XXXX XXXX then sent me correspondence that they sent the credit card to my address and that validated that the card was mine. The credit card is mine but I never received the card due to possible mail delivery error which has happened in the past. I did not use this credit card nor do I owe XXXX XXXX XXXX any money. This account is showing negative on my credit report.