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

I file a complaint with Experian on XX/XX/2020 asking to remove delinquency on my child support account XXXX. The compliant number is XXXX, Experian has not responded to this complaint as yet but I get an email from the Experian dispute department and this issue is still not resolved. The problem I need to know is if Experian verifies my letterhead sign by XXXX from the child support enforcement agency asking to removed delinquency from my child support file XXXX or did Experian refuse to even bring this evidence to child support to support my claims. If this negative item is not removed from my account I will 100 % file a case in court to get an answer because how could the child support enforcement agency give me a signed letterhead to remove delinquency from my account at the same time telling Experian to keep delinquency on my account. All creditors have the right to ask a credit reporting agency to remove an item from a consumer account if they feel it is the right thing to do. I need to know where is the problem coming from, is it Experian not following the Child support enforcement agency 's request to remove the negative item, or Experian doing what they what. Though Experian is reporting my credit report it is still my credit report that they are reporting. I have the right to fix any issues that are misrepresenting my credit report and the is my fair credit reporting act.
Product: Credit reporting

XXXX is requesting payment for an account that I do not owe on. {$140.00} from XXXX These were previously disputed with other agencies as well. So, since they were blocked from trying their scams with those CRAs, they have moved over to TRANSUNION. This needs to be removed ASAP. I am unaware of the accounts and have no verification this debt is mine. ... only know of this account based on it being reported in my credit report ( s ). I 've never heard of this company and DO NOT owe a Balance of {$140.00} to XXXX! We both know they are the source reporting this account and have the absolute right to report it, not report it, or delete it from all reporting agencies. They refuse not to. There has been previous take down requests to which they have replied, done so, and resubmitted the debt. Over and over. They wait for a small period of time and then resubmit, thinking it will not be noticed. I will contact the Attorney General AS WELL against TRANSUNION AND XXXX, in their respective states if this is not resolved NOW! TRANSUNION and These CRAs should be banned from doing business and ruining peoples lives without verifying information 1st! 
I 've ALWAYS had this type of trouble before with TRANSUNION. From fraudulent inquiries on my report, which they will not remove to situations like this. I file complaints over and over and will keep doing it! 
My report with them has always been incorrect. From having an out of date address from over 6 years ago as my main address to not having all of my current TradeLines listed that are active and in good-standing.I 'm not surprised with TRANSUNION! 
I have submitted as well an official SS card and pay stub, wtc with my correct address and these numbskulls still will not update my address. 
ALL references regarding this account must be deleted from ALL reporting agencies. 

-- Thank you, XXXX XXXX XXXX
Product: Checking or savings account

XX/XX/XXXX : fraudulent charges in the amount of XXXX I called Bank of America, they did not return my funds. They tried to charge me for a replacement card. They told me it would be a 45 day investigation. They requested a fax of my ID. 

XX/XX/XXXX : I call for confirmation on my faxed ID. They say they didnt get it and that my account is closed ( with a balance of around {$1100.00} ). They say I can not access this account and that the claim I have for the XXXX in fraud charges will not continue on a closed account. Additionally, they can not give me information on the claim because the account is closed. ( Can not confirm or deny they received my fax ). They instruct me to call Nevada Unemployment as they are the sponsor of the account. 

XX/XX/XXXX : I am able to speak with Unemployment, who confirms they have nothing to do with my account closure and that my backpay of $ XXXX has already hit my account, which they are showing to be open. In addition, my unemployment is intact. They direct me back to Bank of America. 

I have talked to dozens of Bank Of America employees and managers. Ive been met with regurgitated speeches : unemployment is the sponsor ; they need to reopen the account ; we didnt close this, they did. Contact them Nobody is listening to me, I have not been allowed to collect my funds from my closed account. I have been inside the branch as well. 

I just want my money. I am the sole provider for a family of XXXX. We are truly in need. This is our livelihood. 

XXXX XXXX Bank of America fraud claim XXXX
Product: Money transfer, virtual currency, or money service

I have an account I opened with coinbase several years ago. The account has been dormant for a couple years now. I recently have been interested in getting back into crypto currency but coinbase has locked and or blocked my account. I have tried numerous times to comply with what the website instucts me what to do, to no avail. They have a XXXX number but when you call it it's just a recording telling you to go to FAQ and figure it out yourself. I'm very frustrated that I can not get access to my account and that they have no customer service or tech support people to assist. I have millions of coins in my account that I can not access let alone cash out if I chose. I want someone from coinbase  to contact me directly and get this problem resolved immediately.
Product: Credit reporting or other personal consumer reports

I understand that FCRA 605B mandates the removal of any erroneous accounts from my credit report. These accounts have been inaccurately reported. I am entitled to {$1000.00} for each false report on my credit file.
Product: Credit card or prepaid card

I paid {$300.00} from my XXXX XXXX XXXX XXXX savings account XXXX. Ive had funds in my account since I submitted the payment. To this day I still have funds in that account. Not once did I see a pending capital one payment on my account summary and I checked every single day for it because I needed to know when it posted so I can inquire about my available credit. Come to find out today capital one closed my account falsely. Like I said they never took the payment out! Its a XXXX XXXX XXXX XXXX savings account and I had money in it. This is wrong and capital one knows it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a secure credit card with U.S. Bank and there was fraudulent activity on my card. Spoke to the collections agency, told them it was fraud, they sent that over to U.S. Bank stated they denied my claim because my bank account was used to fund the account. I have disputed this with the credit bureaus and they are still keeping this on my credit. I asked for proof of statements, none has been provided. This is very detrimental to my credit. I am in the process of trying to buy a house and this has caused me to be denied for a loan. I want U.S. Bank to remove this account from my credit report. I am still getting collection calls from a collection company.
they responded on BBB stating I funded the account, Yes the account was mines but the charges after XXXX were not mines.I also noticed they sent me billing statements, each payment that was made was returned due to non funds, when was my account funded multiple times before U.S. Bank closed my account. I never received any calls about these funds not going through. U.S. Bank promotes there high quality to prevent fraud, but this was happening on my account they were letting charges still happen for months. Multiple payments made and was returned and no action on there parts. Also, they are still reporting on my credit report that my account is still open. reporting FTP ( failed to pay ) every month. Also, I received a letter from there fraud dept stating I owe {$810.00} on my next billing statement. How do I have a billing statement is my account is supposed to be in collections/charge off. Also, on my report the date it
Product: Credit reporting or other personal consumer reports

These items need to be properly address asap. 
I would like to dispute all late payments in my credit report based on USC 15 1681a and USC 15 1666b. These late payments are not valid and should be removed immediately. When reviewing my credit reports from the bureau 's. i discovered some instances of late payments for an account for which i have made timely payments very consistently. Credit reporting play a crucial role in accurately reporting consumer information. It is imperative that this information be reported with the utmost accuracy. I have never missed a payment on the following the following account guild mortgage. I request a thorough investigation into discrepancies and urge to provide evidence, such as statements, demonstrating the lateness of these payments. If you are unable to furnish such proof, i demand that these payments be promptly be updated to reflect their true status as on-time and paid in full, as i have consistently upheld my payment obligations without delay. Thank you for your time attention in this matter.
Product: Checking or savings account

Signed up for a Chase Total Checking & Chase Savings account using the {$500.00} account bonus coupon *in-branch*. Made two ACH transfers totaling {$15000.00} ( balance minimum for the coupon ) into the Chase savings account from my other checking account the day I opened it.

My account was closed the next day by the " money movement '' team without warning or ability to dispute/appeal the ruling. There was no activity except for the initial transfers into the account for {$15000.00}. The accounts were open a total of 1 business day.

Finally, the Chase support representatives stated I would never be able to open another bank account with Chase again.

How can you ban someone indefinitely for money movement after you ASK them to move {$15000.00} in within the first 10 days? That's ridiculous!

Additionally, I have never " burned '' a financial institution, have a good credit score and history, and a reasonable amount of bank accounts ( 2 currently ).
Product: Credit card or prepaid card

I tried to use my Chase Business Ink credit card on XX/XX/2022 at XXXX XXXX and the card was declined. There is nothing due on my account & the balance is {$1500.00} with total credit line {$10000.00}. I did not receive a text, email, or account alert about why my card was declined. I tried to use the card again on XX/XX/2022 at XXXX XXXX and it was declined again, same thing no alerts sent to me as to why my card was declined. 

I called Chase Business today XX/XX/2022 was told by the fraud department the purchase was thought to be fraudulent on the XXXX and so they froze my account after the XXXX XXXX attempt to purchase. They told me they do not handle notifications & transferred me to Customer Service department because they thought it was my alerts that were not set up. My email & phone number were already added to the account so no one could figure out what was wrong & why I didn't receive an alert. Customer Service tells me it's the Fraud Department. I get transferred 7 different times between the 2 departments/supervisors. I finally get someone from both sides on the line at the same time and they finally admit they DO NOT have an alert for fraudulent activity. 

I would have NEVER chosen a credit card & opened up an inquiry on my credit report as a new business for a company that does not have fraudulent alerts sent out!! This is literally INSANE that in 2022, one of the most important notification alerts about potential fraudulent activities are not available from Chase to their customers. The rep from the fraud department said that each time it gets declined, I will need to call Chase.. so as a business owner, they want them to roll the dice and see if a charge will go through based on Chase every single time??? Having nothing to do with the actual account credit limit or past due payments? 

I need to know what can be done about this as now I have an open account with a company who fails to notify their customers about fraudulent activity.
Product: Credit card or prepaid card

Regions Bank mailed me a credit card offer, their Signature Prestige Visa, which  promised a {$150.00} cash bonus if I made {$1000.00} in purchases in the first 3 months after opening the account. I applied, was accepted, and received my card in early XXXX. I made {$1000.00} in purchases in the first three months, but Regions refuses to pay me  the cash bonus promised.
Product: Credit reporting or other personal consumer reports

These accounts should not be furnished on my consumer report as they are in VIOLATION under, 15 U.S. Code 1681-B permissible purposes of Consumer Reports ( a ) IN GENERAL subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instruction of the consumer to whom it relates. I never gave any consumer reporting agency my WRITTEN CONSENT & INSTRUCTIONS to report anything on my consumer report which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer, I am demanding the deletion of these accounts listed IMMEDIATELY : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

The inaccuracies on my credit report are absolutely damaging and reflect accounts that do not belong to me. I am outraged that multiple complaints have resulted in no action whatsoever.
Product: Credit reporting or other personal consumer reports

FOUND AN INQUIRY ON MY REPORT THAT I DON'T RECOGNIZE
Product: Credit reporting or other personal consumer reports

I sent the 3 credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against them because I believe they have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) .This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct this account : XXXX XXXX Balance Owed : {$20000.00}
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
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 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: Credit card or prepaid card

DISCOVER has violated the terms of our contract by refusing payment to my account in the form of negotiable instrument and has closed the account without my knowledge or consent and reported the account as delinquent to all three credit reporting agencies. 

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. 

DISCOVER ( Card # 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 an 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. 

Sincerely, XXXX XXXX
Product: Credit card

I filed a complaint on XX/XX/XXXX, number XXXX. I received notice on XX/XX/XXXX that the complaint was closed, based on the company 's response. However, I am unable to see said response. Hence, I can not, if necessary, provide a response.
Product: Credit reporting or other personal consumer reports

A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate. I know this is a violation of the FCRA and FDCPA so they must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party.
Product: Credit reporting or other personal consumer reports

Experian Credit Bureau XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Formal Dispute and Demand for Debt Validation and Removal of Inaccurate Accounts Dear Experian Dispute Department, I am writing to formally dispute the following accounts listed on my credit report. Under the Uniform Commercial Code ( UCC ) 3-401, I request that Experian provide verifiable proof of each alleged debt by supplying an original contract bearing my wet-ink signature. If such documentation is not available, Experian must remove the inaccurate information immediately. 

The accounts in dispute are as follows : XXXX Account Number ending in XXXX Balance : {$1800.00} Status : Charged off XXXX XXXX XXXX Account Number ending in XXXX Balance : {$2300.00} Status : XXXX XXXX XXXX XXXX XXXX Account XXXX ending in XXXX Balance : {$300.00} Status : Collection XXXX XXXX Account Number ending in XXXX Balance : {$710.00} Status : Collection XXXX XXXX Account Number ending in XXXX XXXX : {$1800.00} Status : Collection Additionally, under the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ), furnishers of information are prohibited from reporting unverified or inaccurate information. As Experian has not provided proof of these debts, I am requesting the immediate removal of these items from my report. Failure to comply will result in a claim for {$1000.00} per violation in damages, as outlined in the FCRA and UCC. 

Please provide written confirmation of the removal of these debts within XXXX hours or an explanation of the basis on which these debts are verified without original signatures. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX XXXX
Product: Credit card or prepaid card

I hired a contractor to repair my chimney and the work was not completed and what was completed was completed is not to industry standards and everything needs to be rebuilt. I filed a dispute with my credit card at Bank of America and they are refusing to help rectify the situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

A month ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
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
Product: Credit reporting or other personal consumer reports

This letter is to inform you of an unauthorized inquiry on my report made by XXXX XXXX XXXX XXXX  XX/XX/2024 ) This is fraudulent and was NOT initiated by me. Please delete as soon as possible. Thank you for your time in this matter.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

XXXX5 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX/2024 - Transunion Credit Score - XXXX Delinquent Credit - *Repossession/Foreclosure This is false information. I have never had a foreclosure.