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

This is a NEW COMPLAINT for a NEW TRANSACTION I do have a previous complaint filed under XXXX for a similar incident THIS IS A NEW UNAUTHORIZED TRANSACTION I finally got a hold of a case XXXX yesterday, XX/XX/XXXX who seem to understand the bank deducted money that they weren't authorized to do. 
TODAY, XX/XX/XXXX US BANK MADE AN ADDITIONAL UNAUTHORIZED TRANSACTION AND TOOK {$120.00} FROM MY ACCOUNT. 
Now I am even further overdrawn. This is just continued harassment they previously reported my debit card stolen when it wasn't they refused to take the fraud complaint on the prior incident and this morning I opened my account to a big red notice about being overdrawn they've destroyed my credit I'm XXXX  XXXX on Social Security the end of the month I have no money I have a XXXX XXXX a difficulty getting my prescription drugs now I get to starve until the end of the month they need to be punished for the fullest extent of the law I would like to be able to take them to small claims court and believe the limit here is {$5000.00} in Arizona please teach these people lesson Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Name and address is not correct if sent in a dispute letters XX/XX/2021 and haven't received a response. This is causing great stress.
Product: Credit reporting or other personal consumer reports

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting or other personal consumer reports

Im writing you today about a grave issue. My privacy rights are being invaded. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy.

For the record, Im the one whos initiating the disputes under MY NAME. The following items are UNKNOWN to ME. I dont get why youre claiming these are fraudulent or of a high risk nature. The documents Ive provided are legit. These are mine, filed with the appropriate agencies & support my position. According to FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt by such agency of ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

In your previous correspondence you mentioned that my identity theft report needed to be filed with a law enforcement agency which subjects to criminal prosecution. XXXX of these agencies is the Federal Trade Commission ( FTC ). FYI the report I was filed online WITH THE FTC which by your representation IS A law enforcement agency. My FTC Report # is XXXX. I dont think you have reviewed the documents submitted & are sending me frivolous boiler plate responses to deflect from your responsibility to comply with FCRA laws. Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified.

Again, under 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. 

XXXX  XXXX XXXX XXXX
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. 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. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX, Equifax, and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX, Equifax, and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

Recently reviewed credit report and notice what appears to be fraudulent accounts. Please remove from credit file. The account detail is attached. Thank you
Product: Credit reporting or other personal consumer reports

I have recently examined a copy of my credit report, which indicated that the credit inquiries listed below were the source of the credit inquiry. Nevertheless, I did not authorize these inquiries. I kindly request that you eliminate these inquiries from my credit report as they impede my ability to apply for loans and obtain credit. If you have any additional materials pertaining to this inquiry, please provide them. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

On XX/XX/XXXX I refreshed my 3 credit scores and it came back with no score for Equifax stating 'No Indicator on file '' and all of my history was gone! no accounts listed or anything just a blank report like I didn't exist or anything. I attempted to Call Equifax customer care team and they do not know what I'm trying to explain. I don't have access to my current score as it has since disappeared into thin air. I then attempted to get my Equifax report/score through different credit apps like XXXX and XXXX and I still did not receive a credit score or report back from Equifax. Either my credit file has some glitch or it has been mixed/split up. I can't get anyone at Equifax to help me with this issue and its been a huge stress to my life. Please recover my score and report!!
Product: Money transfer, virtual currency, or money service

I attempted to move money from my bank account to ( XXXX ) an investment app on XX/XX/2020. I am unable to do so, due to some changes PNC made to my account. I am no longer able to ( though I was previously ) transfer money to other linked accounts ( Such as a bit coin investment app or XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I am filing a complaint following the recent re-investigation conducted by your agency, as I dispute the findings. I request a reassessment for accuracy, expressing my dissatisfaction with the effort made in verifying the reported account information directly with the creditors. Consequently, I seek further clarification on the specific account : XXXX XXXX XXXXXXXX with an outstanding balance of {$64000.00}. I question the current status of this account, firmly believing there should be no late payment remarks. I request the removal of any late payment notations associated with this account.
Product: Checking or savings account

On XX/XX/year> I tried to deposit XXXX dollars into my bank account via ATM. There was an error with the ATM and I only received 2 dollars back and nothing in my account. I went to the bank associates and they called Capital one service line and they told me that I would have to wait up to 10 business days!! The lady told me that I can call them on Monday ( which is today ) and see if I can get some bank credits, and I called today and was denied. I dont even want the bank credits ; I want my money! Its around the holidays and this is completely ridiculous. Im extremely upset because you can look at me on camera and see myself depositing all that money in the bank! I want my money and Im not going to give up until I get it!! Ive literally been busting my butt and this is the last thing that I need especially around XXXX. This is a robbery!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX USDOEXXXX Account # XXXX DPT EDXXXX has violated my rights. 

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

15 U.S.C 1681 Section 604A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Debt collection

This is a fraudulent debt. 

I have never done business with Radius Global Solutions and I do not owe them anything. 

My identity was stolen and this collection service continuously and fraudulently marks this activity on my credit report. This collection agency of bottom feeders needs to be shut down for the incorrect information that they report to the credit bureaus.
Product: Credit card or prepaid card

For the second time in 6 months I have had XXXX XXXX  close an account that was in good standing with a low or XXXX balance. This not only has a negative affect on my credit report it is also INFURIATING in the event that I need to use the account. 

The Lowes account was the first one - they lowered my credit line from XXXX to XXXX which at the time was only XXXX over my balance dropping my score 70 points and causing an issue with the purchase of my home. 

The next instance is with my XXXX 's account which had a XXXX limit and NO balance. They closed this and never even notified me. I fond out when I logged in to pay on another account. 

There is NO reason to close off my account without any reasonable explanation or notice. The Lowes account " excuse '' was that there was a change in my credit profile. The only change at the time was that I shopped for a mortgage loan. That should not affect my existing lines of credit The XXXX 's incident I am told is because there was no activity on the account. Because I don't buy furniture every day there would be no ongoing activity on the account HOWEVER having the account open and in good standing is a POSITIVE thing on someone's credit. NOW because the COMPANY closed the account it will have a VERY negative impact on my credit. 

I want an account reopened at the credit limit of XXXX with NO credit pull and NO negative impact to my score. The closed account will need to have the reporting corrected so as not to show that the company closed it - it needs to read account number transferred. Additionally I have a Care Credit account which I keep for medical emergencies - I would like this and any other account with Synchrony protected from closure. I would hate to get to an emergency room and find out they closed another account. 

The customer service person told me he was not able to open a new account or transfer my account to a new number. As far as my Care Credit account which I use for MEDICAL EMERGENCIES - he stated that I need to use the card by XX/XX/XXXX or I run the risk of that too being closed. If I have a medical emergency and I need the card apparently I will find out when I get there? He said " basically yes that is correct '' then I asked him so I have to have a medical emergency in the next 6 months? He said " technically yes '' THIS IS TOTALLY AGAINST THE FAIR CREDIT REPORTING ACT. 


The supervisor 's name I spoke with in XXXX XXXX XXXX # XXXX the other XXXX I spoke to was " XXXX XXXX '' who did not provide his associate number.
Product: Credit card

To Whom It May Concern, I am contacting you as a victim of identity theft resulting directly from the Experian data breach, which has severely impacted my credit standing. My credit report now reflects multiple fraudulent accounts and inquiries that I did not authorize, leading to a significant decrease in my FICO credit scores. Documentation from Experian confirming my information was compromised in the breach is included with this letter. Following my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I formally request the immediate removal of these fraudulent accounts and hard inquiries from my XXXX and Experian credit reports. XXXX has already removed these items, and I expect similar action from XXXX and Experian. To substantiate my claim, I am including an FTC Identity Theft Affidavit and other relevant identification documents. Under Section 605B of the FCRA, I am entitled to have all fraudulent information related to identity theft blocked from my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report and I am disputing some items that need to be deleted. The reason for the dispute is in the month of XX/XX/XXXX I made a payment on the XXXX XXXX XXXX a payment on the XXXX XXXX XXXX XXXX in XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXXn the month of XX/XX/XXXX, and which this account is on my report twice, XXXX XXXX XXXX XXXX XXXX a payment was made in the month of XX/XX/XXXX. The Fair Credit Reporting Act Section 609 [ 15 USC 168lg ] bureau should send me all applications being denied according to the provision Section 612 ( b ) [ 15 USCj ( b ) ] meaning there should be no charge for this information.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX 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 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 months that are reported late 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!

15 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 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

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity  theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2023, I received a notice from XXXX XXXX  stating I owed XXXX XXXX XXXX {$210.00}. ON XXXX, I disputed this account by letter to XXXX XXXX, requesting validation. XXXX later provided an account statement from XXXX XXXX, but failed to provide a contract or a signed finance agreement as requested. nor did they provide proof of their right to collect on this alleged debt. On XXXX XXXX inaccurately reported this account to XXXX, Experian XXXX XXXX XXXX, naming XXXX XXXX as Creditor. On XXXX I disputed this collections account with XXXX. Instead of deleting this account as being inaccurately reported, XXXX allowed XXXX to Update the inaccurately reported account and changed the creditor to XXXX XXXX. XXXX also accepted a fraudulent account statement to substaniate this debt without requiring a signed agreement or contract for services. If they had, they would have discovered there was none. They also would have discovered that XXXX claimed to provide additional coverage outside the coverage period without authorization. 
XXXX did not stop collection procedures until the debt was validated. Prior to this XXXX XXXX  report I had a! 00 % payment history and XXXX XXXX XXXX. I believe XXXX, XXXX, Experian XXXX XXXX XXXX violated the XXXX debt reporting act.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, I am having an issue with XXXX credit reporting bureau pertaining to numerous accounts showing in error, without proper documentation as asked for through dispute and now the company refusing to investigate ( in accord with the FCRA and providing concise documentation on how verification criteria is or has been met ). 

XXXX limits the dispute process for consumers and routinely states accounts are accurate and meet compliance without providing to me how exactly that compliance is being met. I have received no documents from my request as outlined in the FCRA and Fair Debt Collection Practices Act. 

Accounts for XXXX XXXX, which have been disputed for the past 3 months have all been stamped as meeting FCRA requirements, but I have been provided nothing more than their blanket statement without the validation sought. I can not be the only one facing this issue. 

I am asking this agency to mediate a timely response and documented evidence of their investigation results, including copies of official documentation which proves the account is accurate. Materials which I have yet to receive, and which have been asked for repeatedly. 

XXXX has also gotten into the habit of changing my username and password on two nonconsecutive occasions prompting me to have to use their myriad telephone system to try to reach an agent in order to address this matter. I ask for your assistance as far as can be given to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX keeps verifying and verifying and verifying on a derogatory remark that I DO NOT OWE.. XXXX and XXXX already removed it but it keeps coming back verified with no signature or legal documents on XXXX. Ive sent them 3 letters asking them for verification purposes biding my signature XXXX, XXXX and XX/XX/XXXX. All they say is verified without any legal documents or no proof. Its gotten to the point where its affecting my daily life because an apartment complex is reporting is me to a credit bureau on a lease Ive never signed. Also my very last letter I sent on XX/XX/XXXX they never contacted me back in writing. Theres also 1 more item on my report thats theyre giving me problems with thats unverifiable. The amount of both deragtory marks are {$2700.00} - for the apartment lease I never signed and {$150.00} that I have no clue about.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several incorrect accts/ items showing up on my credit report I've reached out to all 3 credit bureaus over that past year trying to get this issue resolved.I even placed fraud alerts on my accounts and I've also sent in my police report to Experian. I have stated and put in writing that the following items on my credit report do not belong to me and I was a victim of identity theft. 
XXXX XXXXXXXX XXXX XXXX ( Experian ) XXXX XXXX XXXX ( Experian, XXXX and XXXX. XXXX XXXX ( XXXX and Experian. XXXX XXXX ( Experian and XXXX. XXXX XXXX XXXX ( XXXX ) XXXX ( XXXX AND Experian ) XXXX XXXX XXXX XXXX ( XXXX and Experian. I've tried to resolve this issue over and over and nothing is being done. I'd like these items removed from my account immediately.