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

I have a checking account with Alliant Credit Union. I issued a payment through their bill pay service on XX/XX/2019. The payment was sent via mail as a paper cheque and funds were immediately withdrawn from my account. The check was cashed by Alliant on XX/XX/2019. However the vendor claims to have never received or cashed the cheque. Investigation shows that the cashed cheque image has no banking stamps/information, nor was the cheque endorsed. 

I subsequently met with the vendor to pay in person ( so I ended up paying twice ). I asked Alliant to  credit my account for the fraudulently cashed cheque on XX/XX/2019. They refused. I asked Alliant to  investigate the fraudulently cashed cheque on XX/XX/2019. They refused to begin an investigation until I provided a notarized signed affidavit. I provided a notarized signed affidavit ( their form ) at my own expense on XX/XX/2019. 

On XX/XX/2019 Alliant contacted me demanding another signed notarized affidavit from the vendor claiming to not have received the initial cheque. Allliant provided no affidavit form this time. Simply demanding one to proceed. On XX/XX/2019 I spoke with an Alliant representative. Alliant refused to proceed without this affidavit. I can not force the vendor to provide this affidavit. I am not the vendor. I have no power over the vendor. Alliant understands that I have no way of forcing the vender to provide such an affidavit but refuses to proceed with any investigation or return the funds.

It appears to me that Alliant failed to perform due diligence when cashing an unendorsed stolen cheque. They will not return the fraudulently obtained funds. Nor will they investigate the matter further. I'm not sure what else to do to get my funds back.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX all fraud account
Product: Credit reporting or other personal consumer reports

I have tried to dispute this collection from XXXX XXXX off of my credit report many times and this credit bureau is not looking into this matter effectively. I do not know who this company is, and I have NEVER been in agreement with them. I do not owe this company, and I did NOT open an account with them in XXXX of XXXX. I've asked in the past for THIS credit bureau to show me WRITTEN proof of an agreement between myself and this company and it was NOT provided, and the account remains on my credit report. If a written agreement with my signature can't be shown, please delete and remove this off my credit report ASAP! I will look into Legal matters if this problem continues to happen! 

Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., is federal legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agenciesXXXX. It requires that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I contacted Equifax about the following negative accounts XXXX XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$47.00} ), XXXX XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$2100.00} XXXX XXXX XXXX ), XXXX XXXX XXXX XXXX Date Opened : XXXX XXXX, XXXX Balance : {$3800.00} XXXX XXXX ), XXXX XXXX  ( Date Opened : XXXX XXXX, XXXX, Balance : {$330.00} XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX ), XXXX XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$530.00} ), XXXX ( Date Opened : XXXX XXXX, XXXX Balance : {$3800.00} XXXX XXXX XXXX, XXXX XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$2100.00} XXXX XXXX XXXX ), Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Checking or savings account

I have 2 fraudulent atm transactions on my Chase debit card. I filed a claim and it was denied. The reason they gave me is that the PIN was never entered incorrectly. What does that have to do with anything? So whoever stole my PIN number typed it in correctly. BIG DEAL!!! That has no bearing on my claim. They also they denied me because the account was open less than 30 days ago. Again, what does that have to do with the fact that my card and PIN was stolen? The third reason they said I was denied is that there are charges after the ones I disputed that I did not dispute. That is completely false. There are no charges after the 2 fraudulent ATM transactions in my dispute. There is an ATM charge from Chase but thats all. The 2 transactions in my dispute are both for {$500.00}. One is on XX/XX/XXXX and the other is on XX/XX/XXXX. There are no other transactions after that. If there were then I would dispute those as well. The only thing other than the fraudulent ATM transactions is the atm fees. They should be reimbursed as well. I cant believe a bank as big as Chase could have such a poorly executed fraud investigation. The transactions werent mine, so honor your zero liability policy!
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 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. XXXX XXXX, 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 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
Product: Checking or savings account

On XX/XX/XXXX I checked my bank account with Flagstar and a check for XXXX had been cashed with my signature not on the check and to someone I have never met in a place I had never heard of ( XXXX XXXX XXXX ). I called my bank and they froze my account. I then had to go in person to the bank twice to fill out an affidavit and a police report to complete the steps to get the money refunded. I have called flagstar branch 12 times since then and the main flagstar number 3 times with no resolution on getting my money back or timeline. It is now XX/XX/XXXX and I have been given no update and no call backs about update
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit reporting agencies are required to remove/block any items listed on an id theft report. Please find the attached documents to assist in blocking the erroneous information which is being posted to the report. Here is the list of items that do not belong to me or were opened without my permissionXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$1000.00} XXXX XXXXXXXX XXXX Balance : {$180.00} XXXX XXXX XXXX XXXXXXXX Balance : {$1100.00} XXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX 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 XXXXXXXX Balance : {$1000.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$11000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1200.00} XXXX XX/XX/XXXXXXXX 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 XXXXXXXX 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 XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXXXXXX Balance : {$180.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX According to FCRA Section 605B ( a ) the credit REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit card

I received a credit card with a balance of XXXX  dollars to pay the XXXX  never applied for, I was checking my XXXX  credit report when I saw that I had a late payment charged into my account causing my credit to drop XXXX points without my knowledge or consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my consumer reports and noticed that I had 5 late payments on an account that I was never late for. Consumer reporting agencies have assumed a vital role and have a responsibility with maximum accuracy. I have never been late on payments for the account : XXXX XXXX XXXX and XXXX. Please investigate and provide proof with statements showing that these payments were late. If proof cant be provided, I demand these payments be updated to on time as they should be as I was NEVER late. Thanks YOU!
Product: Credit card or prepaid card

I had a issue with capital one buy power card few months about me paying my card off every month and I was charged interest even though I paid my card off every month. At the time I called they dispute the charge because it was there mistake, now it was done again after I paid my card off before the due date. Capital one is stealing money from me and cant even explain the issue on why. Everyone I called did nothing after I was charged for interest for no reason whey card is paid off every before the due date. This is out of control.i was charge {$8.00}, the charge is not the issue, the issue is your stealing form customers after they pay off their debt before the due date.
Product: Credit reporting

I have a charge off with XXXX that ended XX/XX/2011. The lender is reporting the charge-off every month as a current status known as re-aging which is illegal. Equifax refuses to make the lender comply with the Fair Credit Reporting Act FCRA 623 ( a ) and remove all " CO '' status on credit report after XX/XX/2011. Re-aging causes a negative account to appear more recent. The more recent the charge-off appears to be, the more detrimental to my credit scores. Re-aging also causes an item to stay on my credit report longer which is illegal. The Fair Credit Reporting Act states : " The 7-year period shall begin, with respect to any delinquent account that is placed for collection ( internally or by referral to a third party, whichever is earlier ), charged to profit and loss, or subjected to any similar action, upon the expiration of the 180-day period beginning on the date of the commencement of the delinquency which immediately preceded the collection activity ; charge to profit and loss, or similar action. '' I am writing to dispute XXXX on my credit report with Equifax. The amount and current monthly status listed on the account is incorrect. I request the account be deleted immediately for compliance with the Fair Credit Reporting Act and FTC, and Consumer Financial Protection Bureau ( CFPB ) from my Equifax credit report. Both XXXX and XXXX are reporting the account correctly. Please see attached. If you look at the other charge-off accounts you will notice they are not reporting with " CO '' every month. I have highlighted this account and another that is reporting incorrectly. Additionally, I highlighted XXXX, XXXX XXXX XXXX, and a couple of that are reporting correctly so you can see the difference.
Product: Debt collection

I trust this letter finds you in good health. I am reaching out to you to address a persisting concern related to a fraudulent account on my credit report, specifically the XXXX XXXX XXXX XXXX  account. In light of the Fair Credit Reporting Act ( FCRA ), I anticipate and trust that Experian will conduct a thorough, impartial, and swift investigation into this matter. As per the FCRA guidelines, I expect the removal of these fraudulent accounts from my credit report within the statutory timeframe.
Product: Debt collection

I XXXX XXXX HAS NO CONTRACT WITH THIS COMPANY THESE ARE THE FOLLOWING ITEMS THAT IS ON MY CREDIT WITH THIS COMPANY. 
XXXX XXXX / XX/XX/XXXX - XX/XX/XXXX XXXX XXXX   XXXX /XX/XX/XXXX XXXX XXXX XXXX / XX/XX/XXXX XXXX XXXX XXXX / XX/XX/XXXX
Product: Credit card

On XX/XX/year> an unauthorized payment of {$100.00} was drafted from my account by Synchrony Bank. I have never set up automatic payments with XXXX XXXX or Synchrony Bank. I'd already made a payment of {$53.00} on XXXX. I've had repeated issues with this bank and find them to have unethical business practices. I've experienced them closing my account without warning which in turn damaged my credit. They have also reported my account as late after listing the incorrect information on my account. Every month my payment has changed from {$48.00} to {$53.00} and now this month I was charged {$100.00}.
Product: Credit card or prepaid card

On XX/XX/XXXX I was called by a creditor Nelson Cruz and Associate they claimed I owed XXXX XXXX XXXX XXXX {$12000.00} from XXXX thru XXXX ... I never had a credit card with XXXX or applied for credit with them ... On XX/XX/XXXX I called XXXX XXXX XXXX XXXX and spoke in someone in customer service along Security and Fraud Dept. I gave them my personal info SS #, DOB, address and they did not have me in there records.. 
I called XXXX, XXXX  and XXXX I ordered my credit report and XXXX XXXX XXXXXXXX XXXX XXXX not on my credit report ... 
Nelson Cruz and Associate will not give me the bill from XXXX XXXX instead they want to settle for {$4000.00} over the phone, They continue to harass me with threats, arrest, lawsuit, vehicle repossession, wage garnishments ect.. 
Here are the name and phone.. 

Nelson Cruz and Associate XXXX XXXX XXXX. XXXX, Tx XXXX phone XXXX or XXXX 
XXXX XXXX XXXX
Product: Checking or savings account

Funds were deposited in my account from an escrow account, by check. The funds were withdrawn in FULL from the escrow account ( XXXX  XXXX XXXX ) on the same day. CitiBank has taken it upon itself to dole this deposit of funds in a stretched incremental way! After consulting a lawyer and other banking individuals, I have determined this is NOT a usual procedure for funds that have been already paid/collected. I am therefore requesting a full and thorough investigation of CitiBank in regards to this practice, furthermore I request action on behalf of all clients and consumers of CitiBank services for compensation and or fines up to and including legal actions to prevent this in the future. Quick response and action in this matter is requested.
Product: Credit card

I contacted JP Morgan Chase to request a 1099C because they charged off the debt and the IRS has written it off. Chase is attempting to collect the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a compliant already they didnt correct the the removal date on my bankruptcy its posting for 10 years. Then I have recent unknown information on my credit ( XXXX XXXX XXXX XXXX XXXX, Mt XXXX ) I have never done business with them that is inaccurate then my score dropped over 60 points for removing the inaccurate information which I dont understand why. Please removal all hard inquires that Im not doing business with that are over 30 days old on all 3 reports. I am in distress this is really affecting my credit. 
its been over 30 days and only certain things were addressed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was told that I can reach out to you all regarding accounts on my credit that Is not mine. I even saw some student loans on there and I dldnt even graduate from high school. I really need to get a larger home for my family. I'm doing this alone and need your help.These are the accounts I saw XXXX XXXX XXXX US DEP ED, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FCC, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I had an account with Money Lion in XXXXthey closed my account due to their XXXX party detecting fraudulent activity.. which did occur however they refuse to unlock my account/social security verification to utilize their services? It makes NO sense to me how they XXXXXXXX XXXX you from their services from no fault of MY own? In addition which costed me money?? They refuse to even explain and give the same canned information. Its almost prejudicial treatment against the ones who had an unfortunate event occur?? Or what they deemed fraud at that moment!!
Product: Bank account or service

XXXX merged into M & T Bank XX/XX/XXXX. In XXXX XXXX XXXX XXXX 's accounts were integrated into M & T 's system. XX/XX/XXXX, M & T cut the interest rate for My Premium Checking Accounts from .25 % from where it had been held during the proposed merger period to .001 % which is unconscionable. My local branch in XXXX, NJ stopped displaying the current interest rates so that customers were not informed until after they received their monthly statement which took up to several weeks after the rate change. M & T Bank is offering bonuses to new customers which appear to be paid for with the reduced funds they are paying to existing depositors. The impact of the interest rate change is greatest on elderly and XXXX customers who live on a fixed income and find it hard to move to another bank.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX Balance : {$13000.00} XXXX XXXX Balance : {$10000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

After carefully looking over my credit report I noticed multiple inaccuracies that have been previously reported to XXXX. National Credit Adjusters is reporting an account on my report with an inaccurate Open date. The payment history does not add up, and they claim to have received a payment from me on XX/XX/2020, but they report me in Collections with XXXX payments made. This does not make any sense and is hurting my credit tremendously. In the comments they state that this is reporting correctly according to the Fair Credit Reporting Act. Treatment of inaccurate or unverifiable information : After an investigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate, or incomplete or can not be verified, the consumer reporting agency shall- ( I ) Promptly delete the item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the investigation. Multiple inaccurate information has been reported for years with this account. They said an investigation was done but it wasnt. I have disputed this numerous times and to avail they refuse to follow the FCRA guidelines.
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 my privacy and confidentially under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Has violated my rights. 

XXXX XXXX XXXX Account XXXX # XXXX, Has violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, Has violated my rights. 

XXXX XXXX Account XXXX # XXXX, Has violated my rights. 

15 U.S.C. 1681 Section 602A : States I have the rights to privacy.

15 U.S.C. 1681 Section 604A, Section 2 : It also states a consumer reporting agency can not furnish 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 items of information, other than records of conversations of crimes which antedates the report by more than seven years.

15 U.S.C. 1681S-2 ( A ) ( 1 ) States : 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: Debt collection

Rent recovery solutions XX/XX/23 has reached out to the current community where I reside and told them I owe this debt to this community. Saying that they should have never rented to me. Due to this debt. 

I have never lived at this community that they are speaking about. 

This has been removed from my credit report and has been replaced back on my XXXX report. 

I can never get anyone on the phone when I call. They will answer and hang up when I am able to get through to someone. 
I need this to be permanently removed from my credit report. 


Please assist me with getting this removed from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I have experienced identity theft at the hands of someone I do not know. They have used addresses, opened accounts, which left me with a depleting credit score. I need this incorrect information deleted from my report so I can move on with my life.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my consumer reports and noticed that I had one late payment on an account that I was never late for.consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy.I have never been late on payments for the account ( account name XXXX XXXX XXXX XXXX ( account number XXXX ) please investigate and provide proof with statements showing that these payments were late .if proof cant be provided I demand these late payment be updated to on time as they should be as I was never late, Thanks