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

Account Name : DEPT OF ED/XXXX  Account # : XXXX I recently received a copy of my credit report and I noticed youre furnishing an account on my consumer report that should not be on there. I demand the below account/s be deleted from my consumer report : Account Name : DEPT OF ED/XXXX Account # : XXXX and all associated accounts. 

The reporting of these account ( s ) is/are violations of 15 USC 1681a , The Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) EXCLUSIONS.

Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; So let me explain. Under the Truth in Lending Act 15 USC 1602 ( l ), credit card is defined as the following : The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit.

This makes my social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit. 
I demand this account be deleted from my consumer report.
Product: Credit reporting or other personal consumer reports

I placed an order with XXXX on XX/XX/XXXX for the same as cash for total of {$2600.00} so an account with Synchrony was open. Delivery was to be made on XX/XX/XXXX. On that day only part of the order was delivered due to items damaged and /or missing. I called to follow up on the order after many calls. I received my first bill for the order, and it was for {$2700.00} which was incorrect. I then called XXXX due to the incorrect bill and not having all my order. XXXX did adjust the delivery fee of $ XXXX due to not getting all my order. Over time I continue to reach out to XXXX so see about my order with no response until XX/XX/XXXX I made a post on XXXX in which XXXX then contacted me. I was then able to reach someone at Synchrony how open a dispute and I was told no payment needed to be made at this time. I was told that XXXX should not have charged me for items that I did not get but that was not the case. After going back and forth with Synchrony I paid for only the items I received on XX/XX/XXXX. Synchrony did adj the total to the correct amount of order. I then received notices about late fees and explained I was not paying for items I had not received. Plus while the dispute was open with Synchrony they state on their letter that if you have disputed this debt, please disregard this letter. I then contacted credit bureaus to dispute but Synchrony stated they did nothing wrong. I received the rest of my order over a year later, on XX/XX/XXXX and made payment in full. I continue to dispute the late fees and they continue to report information is correct. On XX/XX/XXXX I received the first refund of late fees on statement for ( {$730.00} ), second refund of late fees on statement dated XX/XX/XXXX ( {$350.00} ) and the last refund of late fees on statement dated XX/XX/XXXX ( {$54.00} ). They admit no wrong saying they can refund late fees but did not have to correct the reporting to the credit bureaus as they would get in trouble for incorrect reporting. I need the payment history corrected on my reports due to not only errors may by XXXX for taking over a year to get my order yet being charged on XX/XX/XXXX. Synchrony not looking into the dispute properly at the time I request them to review and for not fixing the incorrect reporting to the bureaus. Now over the past 3 years they have found errors after telling me there were none. They don't mind giving me the refund for late fees years later but don't want to acknowledge their error because they could get in trouble with no regard to how this impacts my credit. I even tried contacting the XXXX, but they believed what Synchrony stated so nothing was done.
Product: Credit reporting or other personal consumer reports

After reviewing my consumer report, I have found several inaccuracies and accounts. There are multiple hard inquiries that have not been authorized by me according to the FCRA 15 USC 1681 et section 604. My only name is XXXX XXXX XXXX, not XXXX. 
Hard Inquiry Names that are listed under XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX do not belong to me. These inquiries are not tied to any accounts opened by XXXX XXXX. Please remove the following hard inquiries from all 3 consumer reporting agencies, XXXX, XXXX, and XXXX in accordance with the 15 USC 1681 et section 604 immediately : XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX and XX/XX/XXXX XXXX XXXX Services Date : XX/XX/XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX Lentegrity Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX, XXXX Date : XX/XX/XXXX XXXX- XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX and XX/XX/XXXX XXXX, XXXX Date ; XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Disputed this account numerous times and its taken more than 30 days to get a response. 

Systems & Services Technologies/Pioneer is the company
Product: Credit reporting or other personal consumer reports

I don't recognize these Hard Inquiries. I already contacted the credit bureaus on XX/XX/XXXX but I did not receive a decision. 

Delete Hard Inquiries EXPERIAN - XXXX XXXX XXXX ( XX/XX/XXXX ) Delete Hard Inquiries XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ) Delete Hard Inquiries XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Prepaid card

On Monday XX/XX/XXXX my direct deposit hit my venmo account ( {$1200.00} ) as usual I tried to transfer that money over to my XXXX XXXX account. When I tried to transfer that money it kept saying 'ERROR ' naturally I would try a few more times without success I contacted venmo support, XX/XX/year> XXXX venmo informed me that my account was frozen due to suspicious activity and until I verified my identity with a simple uploaded document of my I.D my account would remain frozen but uploading this document would resolve this situation. So, I uploaded the document only for them to email me back XX/XX/year> XXXX saying they have in fact received my uploaded document of my I.D & would still proceed forward with permanently deactivating my account after me showing proof of my identity. I then emailed venmo back XX/XX/year> XXXX pleaded they released my funds as that is ALL the money I had to my name and had very important obligations with that money. I have contacted venmo support several times and they say the same thing " they can not unfreeze my account and only account specialist can do so via email '' I have reached out to the account specialist after they deactivated my account and they refused to give me my funds, saying they will hold it up to 180 days and IF MY funds become available for transfer in the future they will notify me. I have yet to understand why I was unable to transfer my money to begin with and why after showing proof of identity my funds are still unavailable to me. They have now completely closed the case and stated they will not be replying to any of my concerns moving forward and I am still unable to touch my funds.
Product: Credit card or prepaid card

I made an in full credit card payment of {$4300.00} on XX/XX/21. This paid off the entire balance owed. I logged into the account on XX/XX/21 and found I was charged an additional {$45.00} interest on XX/XX/21. How can they charge interest after I have paid the account in full? This is unacceptable! I called Capital One for the reason. I could barely understand the agent, but basically he said that is remaining interest from some type of cycle end date. No, I paid what I owed in full and should not be required to pay more! Luckily I even checked my account, or I would never have known and probably been hit with more unnecessary fees. I'm never using my capital one again ... I've had issues before where they charged unnecessary interest on cash advances. Charing interest every single month on it and there is no way to pay the advances unless the entire card balance is paid in full. This company just gouges you for interest fees.
Product: Credit card or prepaid card

My social security benefits were due to be deposited into my account on the XX/XX/2017. Upon calling to check my balance, I discovered that there were 2 transactions on my account which totally wiped my account clean, neither of which were made by me. I have tried since XX/XX/2017 to rectify disputing these transactions with XXXX XXXX, but to this date, they have been unsuccessful at transferring me to a level II agent as they state there are high call volumes and the phone continuously hangs up. I am a senior citizen with no way of taking care of myself except for the money that I receive from Social Security. The amounts were XXXX and XXXX. I found out that someone had duplicated my card and went to a XXXX XXXX in XXXX, Texas ; and purchased two Gift Cards, 1 for {$500.00} and they used the remaining balance from my card and another card to purchase another {$500.00} pre-paid gift card. <P/>I look forward to hearing from someone soon in regards to this. <P/>Thanks, XXXX XXXX
Product: Debt collection

I received this collection notice in the US mail. I reviewed my XXXX account and contacted XXXX. To the best of my knowledge, this is a scam.
Product: Credit reporting or other personal consumer reports

I am writing as a concerned consumer to address the accuracy and fairness of the information listed in my credit report. As you know, the Fair Credit Reporting Act ( FCRA ) ( 15 USC 1681 ) was established to ensure accuracy, fairness, and privacy within consumer reporting agencies. The FCRA provides me with specific rights to ensure my credit report is both correct and that I am treated fairly during the reporting process. 

According to the FCRA, I am entitled to the following rights : The Right to Accurate Reporting The Right to Dispute Inaccurate Information The Right to Be Informed of Adverse Actions The Right to Limit Access to My Credit Report The Right to Privacy and Confidentiality The Right to Seek Damages for Violations I am asserting these rights in my interactions with your agency to guarantee that my credit report is accurate, complete, and reflective of my actual credit history. Any discrepancies or inaccuracies should be corrected immediately to prevent harm to my creditworthiness. 

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

I have received a security breach on my identity through my credit report on TransUnion and XXXX XXXX. I noticed that my private information was available on the dark web. A XXXX woman named XXXX XXXX is in the military using my social security number with a license issued in Florida with the last four digits as XXXX. Her zip code is XXXX and her number is XXXX XXXX XXXX. My number is XXXX and I am XXXX. Not only that, there were some loans and a credit card opened without my consent.
Product: Credit reporting or other personal consumer reports

In Accordance with the Fair Reporting Act. The list below has violated my federally protected consumers rightsto privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 Section 602 A. State I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states 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 in accurate. 

15 USC 1681 C-2 15 USC 1692g 15 USC 1681IS-2 15 USC 1681i 15 USC 1681b - XXXX XXXX Account # : XXXX XXXX XXXX XXXX Account # : XXXXXXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account # : XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) Account # : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account # : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Account # : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Account # : XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) Account # : XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX  INQUIRIES XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX TransUnion
Product: Credit reporting or other personal consumer reports

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

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

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

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

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

On XX/XX/2023, XXXX XXXX paid his Capital One Venture card ending in XXXX. The payment is ordinary for his account, generally at the beginning of the month he pays his balance. The balance of {$1000.00} was paid in full and withdrawn from my associated bank account. 
On XX/XX/2023 XXXX XXXX attempted to use his card and was told that it is declined. To much chagrin, XXXX contacted Capital One where they aggressively indicated they can hold my account for 10 days to verify payment. I dont see how this is legally acceptable if my payment has cleared from my associated bank. Managers at capital one were aggressive and rude essentially questioning whether I had the money to make a payment. I have never been late on a payment for them and all of my payments come directly from the same associated bank account ( XXXX ). I have bills that rely on this account and I would not have made my payment 10 days early had I known i would not have access to any money
Product: Credit reporting or other personal consumer reports

This was my follow up to my previous complaint regarding my request to remove the remaining items from my credit reports. Once again, I appreciate your time to REMOVED some of the items in my file that resulted from an alleged identity theft however there were still ITEMS left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT # XXXX. Ive already included this issue in a previous complaint & I am including it here again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. Please note that you have XXXX business days to remove the reporting of any items in my credit file that resulted from an alleged identity theft. I do not consent to XXXX or any means of automated verification. I acknowledge your immediate attention to this matter and response within XXXX business days : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXXXXXX XXXX XXXX XXXX Balance Owed : {$8900.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$2300.00} XXXX XXXX XXXX XXXX Balance Owed : {$190.00} XXXX XXXX XXXX Balance Owed : {$1400.00} XXXX XXXX XXXX XXXX Balance Owed : {$1100.00} XXXX XXXX XXXX XX/XX/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 AZ XXXX XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX Balance Owed : {$450.00} -- -- -- XXXX -- -- -- XXXXTRANSUNION : XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance Owed XXXX {$450.00}
Product: Bank account or service

Our company had a business acct with suntrust bank. We were not supplied with any " rules and regulations '' documents only " Deposit Account Resoulution and Authorization for Business Entities ''. We made XXXX deposits totaling {$7600.00} and were told the money would be available the next day. They would not allow us to verify funds at the branch and we were told they do n't do that anymore. The next day my partner made a withdrawl of {$7400.00} to purchase equipment from the funds we recieved from the church. This was Grant Money. The next day I found out the bank had called the police for fraudulant activity on our account and the church account. According the the last paragraph in item ll on the first page of our account agreement they violated their own deposit agreement. All accounts were locked and the church and grant people tried to work with the bank to resolve the first XXXX checks. In the mean time my partner made another deposite of {$7500.00} from the church to cover the first checks and the bank promptly placed a hold on the check. I recieved notice that they were returning the check, then I got a notice that it had been paid. Then I got mail the next day that had the check copy with the notation " Account closed ''. The whole time the bank was told the funds were good and the grant people had no problem with paying these checks. Sun Trust took it upon themselves to close our accounts without even speaking with us or working with us and are calling this fraud which amounts to character assasination and defamation when we had no opportunity to get this worked out. There was no intent to defaud anyone and now we ca n't open accounts anywhere else and are being denied the opportunity to continue our business as banks look at our record and turn us away. I have sent letters saying account closed with no way to make a deposit if I wanted to to clear this up because we are " closed '' Where do we send the money for correct accounting. Our name has be defamed and they are charging fees for a problem they created from the start and now threaten legal action. The bank has taken this action without any regard to the consequences of the parties involved with no attempt to contact. I was told on a phone call with customer service that they do verify funds for business yet we were denied. The bank should be penalized for these actions and made to clear our names and company reputation. All fees should be waved and at this point we feel they should write off the balance for deceptive banking practices. I have attached documentation for our account. We have copies of the churches account and know that it was open at the time of the banks actions but are unable to attach these without their permission as they are pursuing action of their own. 
Regards
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 9th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items immediately. 

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: Debt collection

this was from identity theft and is fraudulent needs to be taken off asap i gave a copy of my police report and ftc id theft affidavit outlining the id theft
Product: Credit reporting, credit repair services, or other personal consumer reports

Consumer Financial Protection Agency : On XX/XX/XXXX, I discovered a discrepancy on my Equifax and XXXX  credit reports that indicated several delinquent activities during XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. This was associated with a XXXX XXXX  ( Card Number XXXX ) account that I was listed as an authorized user on. I never consented to or authorized myself to be listed as a user, nor did I utilize this individual account during this time. The account was opened in XX/XX/XXXX ( when I would have been three years old ) by my parents, XXXX and XXXX XXXX. At some point, they added me as an authorized user without my consent or approval. I have had similar experiences in the past where I was able to dispute such items and have them removed from my credit report. I can assure that XXXX does not have my signature on record indicating my consent. 

On XX/XX/XXXX, I filed a dispute with both EquiFax, XXXX  and XXXX. On XX/XX/XXXX, XXXX informed me via letter that they are unable to update the credit report as an " authorized user must be removed from the account first ''. They then directed me to contact the Customer Service phone number on the back of the card ; however, the card or account has since been closed as of XXXX. 

On XX/XX/XXXX, I received notice from EquiFax that they conducted an investigation and deemed that these items belong to me. Again, I dispute this as I never provided approval, nor was ever asked, to be added as a user on this account. How can they deem that I should be responsible for these delinquent activities when they can not furnish the proof that I authorized to be on the account in the first place? 

I request that this be investigated so that the XXXX XXXX  ( XXXX ) account is removed entirely from my credit report or that these delinquent activities are removed. 

I appreciate your consideration of my request. 

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

I am writing this with the ( XXXX, XXXX, Transunion ) They have failed to remove information that was affiliated with personal details that were challenged in the past I strongly believe that they are in violation of the FCRA and are outright upholding the law
Product: Money transfer, virtual currency, or money service

I have people sending me money through XXXX and PNC will not allow my back account to sync with their program. They also won't sync with XXXX. 
These are popular methods people are using these days for transactions and it makes no sense for PNC not to allow me to deposit or withdraw money to send in this manner. I had to open a different account with another bank to access the {$200.00} I had locked up in XXXX.