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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXX Bank Used : PNC I received an insurance check for a claim I had on my house in XXXX. I attempted to deposit it once and I did not know my mortgage company was supposed to sign it as well. That was 100 % my fault. Once I received my check back in the mail from PNC I could no longer get my mortgage to sign off on it. In that little time in-between my mortgage was sold off to another bank to service. I requested the insurance company reissue my check with my name and the new mortgage company name on it so I could deposit it. I received my new check in the mail and took it directly to my new bank that held my mortgage. It took them about a week and they got clearance to sign off on it. They marked it with all the appropriate signatures and wording as instructed by their superiors. I took it to a teller at XXXX branch in XXXX XXXX and they said it looked good and it was deposited into my account. Less than a week later I pulled up my account and all my accounts showed {$0.00} and they were frozen. I called the XXXX XXXX XXXX in XXXX XXXX and I was working with XXXX. She moved it along the process to figure out why my accounts were frozen. She was working with loss prevention and was told my account was flagged for fraud. I've been with this bank for XXXX plus years at this point in my life. XXXX said loss prevention asked if my new mortgage company ( XXXX ) could write a letter stating the insurance check wouldn't be returned and the teller who signed it had permission. The banker at XXXX Im working with was kind enough to 3 way call XXXX and I to get this sorted out. XXXX at XXXX asked XXXX what bank was the insurance check from. XXXX checked and it was XXXX XXXX. XXXX asked how can we guarantee a check not be returns when it isn't our check. We just signed it. Then she asked if the teller who signed it had permission and she said yes they Are under our permit. Not sure what that means. XXXX forwarded that information to loss prevention and they haven't done anything with it. This is going on a week and a half. I've already had 1 bill be returned and charged {$20.00} return fee. My payroll check was supposed to be deposited today and I can't get to the funds even if I wanted to. My house payment is scheduled to come out of the PNC account and I have to call them and tell them to stop it. I'm fine with waiting on the insurance check, but why did they have to lock my main account?
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and Experian has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, Thanks.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting Act XXXX Account # XXXX has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under and end consumer credit plan as late for any purpose. 

Please Have XXXX XXXX XXXX # XXXX remove immediately because violating my rights will lead to legal liability being taken for each of these violations.
Product: Credit reporting or other personal consumer reports

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The Experian and XXXX credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX XXXX XXXX XXXX XXXX {$69.00} ; XXXX XXXX XXXX XXXX XXXX XXXX {$250.00} ; XXXX XXXXXXXX XXXX XXXX XXXX {$330.00} ; XXXX XXXXXXXX XXXX XXXX  : {$0.00} XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX were rendered by XXXX XXXX XXXX XXXX  XX/XX/21 the Alabama statute of limitations for medical debt is 2 years this account is still being reported and should be closed with derogatory marks removed as its been reported for 4 months past date of limitations were up
Product: Debt collection

Firstly, thank you for taking your time to review this and I understand my complaint is just one of hundreds that you guys read on a daily basis. 

I was checking my credit report because my little family and I are looking to buy a house for the first time, that's when i noticed i have derogatory mark that shouldn't be on my credit report. 

Derogatory Mark Info : 1 ) The original creditors name - XXXX XXXX XXXX 2 ) Account opened - XX/XX/XXXX XXXX ) Account Status - Open 4 ) Remarks - Placed For Collections 5 ) Amount Owed - {$930.00} Back Story : Back when I was in school, I was irresponsible with my credit because i made a purchase at XXXX XXXX XXXX for my brother. I put a XXXX XXXX TV and surround sound system on my credit for his living room because he told me he would make the payments. Later on, my parents and I found out that he sold the TV and Surround Sound System to by XXXX. This was hard news for me because my own brother was XXXX to XXXX and hurting the family, so my parents put him into XXXX  in hopes that he would get clean. He has been in and out of XXXX and is still fighting XXXX. 

I apologize for unloading this XXXX story on to you but this issues has been haunting me in more ways then one. 

Conclusion : 1 ) I made the XXXX XXXX  back on XX/XX/XXXX 2 ) I have already payed off these debt collections 3 ) I gratefully ask this negative remark to be removed from my Credit Report Thank You, XXXX.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I made an international money order from my Chase bank to pay a provider in XXXX, the case is that by mistake the dollars were sent to a wrong provider, instead of sending the money order to the correct provider, I already tried to talk to the provider that he received our dollars by mistake but unfortunately he does not respond, much less show his face so that we can clarify this situation, the reason for my request is to ask for your support to intercede for us to help us return the dollars from XXXX to the United States, this in order to correctly send the funds to the provider that should have been sent the money order.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report as they are hurting my ability to obtain credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX Account # 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 a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted to dispute the inaccuracies such as balance and account number, and dates reporting on my credit file with XXXX XXXX, XXXX XXXX Experian, XXXX XXXX and XXXX. They have all failed to report accurate and complete information on my credit file after several disputes. I sent them a debt validation letter over 30 days ago with no response. Please help me investigate this matter, I am getting denied for a home loan because of this account and would like this matter resolved as soon as possible. I would like this account deleted while it is being properly investigated, as it has been approximately 90 days since the first and second dispute was submitted. They negligently and willfully violated the FCRA by failing to properly investigate the dispute or review the letters that were submitted. 

The case I have against them is that : The furnisher failed to conduct a proper investigation The furnisher failed to review all relevant information available and provided by me and the third party agencies and As a result I have suffered harm on my credit file and personal wellbeing. 

Thank you for your time.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone else's name appears on my report.  Also, there is an incorrect address.
Product: Checking or savings account

I am filing a complaint against Capital One regarding the deceptive practices related to their XXXX " high yield interest '' savings accounts. Capital One misrepresented the XXXX Savings account as having one of the nation 's highest interest rates, yet failed to notify accountholders about the superior rates offered by the XXXX XXXX XXXX account. This deliberate obscurity and lack of transparency violated consumer trust and resulted in significant financial losses for many, breaching the Consumer Financial Protection Act and the Truth in Savings Act. I seek redress for the misleading practices and failure to fulfill their advertised promises!!!
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I made an agreement of payment for an Sync/XXXX account that is negatively listed on my CRA 's to be to be removed. The company agreed to delete this tradeline from all credit reporting agencies and sent me a letter of agreement. I've submitted this letter along with a dispute to the credit reporting agencies for deletion and Synchrony keeps returning the dispute as valid information and not complying with the deletion.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I reviewed my consumer reports and noticed that i had late payments on XXXX accounts that i was never late for. The 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 accounts that i have included screenshot inside this complaint in on dates of ( XX/XX/XXXX ) through dates ( XX/XX/XXXX ). Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late. Thanks! Please see screenshot attached :
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days XXXX they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im XXXX  XXXX cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, a delinquent credit card from Bank of America ( BoA ) appeared on my XXXX report. 
The account had been opened in XXXX in California, where Ive never lived, or even visited at that time. 
The account had been current until then based on the history shown in the report. 
I had 3 BoA credit cards which I paid off and closed in XXXX. 
I called the bank and they couldnt find the account under my name, social security number, etc. 
BoA then sent me a letter saying that the information they provided to credit agencies was correct, and that it appears that one or more agencies may have combined my file with a file of someone with a similar name, and that I needed to contact the agencies directly so they could update their records. 
So, according to BoA, the issue is with XXXX ( only credit agency where the account is shown ), but XXXX refuses to fix it. 
From XXXX : Account : XXXX Balance {$21000.00} Limit {$24000.00} Opened XX/XX/XXXX Date reported XX/XX/XXXX Date of first delinquency XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.
Product: Debt collection

I am disputing this because the creditor did not provide me with a Form 1099-C ( Cancellation of Debt ). According to IRS regulations, creditors are required to issue a 1099-C when they discharge {$600.00} or more of a debtors obligation to repay. The lack of a 1099-C suggests that the debt may not have been legally canceled, and therefore, the charge-off should not be reported on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fradulent Inquires on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried more than once to get the credit bureau to correct errors on my report. I want these items removed. They are NOT mine. They were asked to provide proof that they were reporting correct information. They refuse. They always say as in the last complaint he didnt provide enough information to complete his investigation. They have ny identifying information. They have the name of the creditor and partial account number taken from their report. I dont know what more to give them. This is what was sent and signed for on XX/XX/XXXX. They just responded today they cant find this information. Yet its still on my report as of this morning. 

I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding items that are listed on my consumer credit report. 
1. XXXX Account XXXX Not my account 2. XXXX XXXX Account XXXX Not my account 3. XXXX XXXX Account XXXX Not my account 4. XXXX XXXX XXXX Account XXXX Not my account 5. XXXX XXXX Account XXXX Not my account 6. XXXX XXXX XXXX Account XXXX Not my account 7. XXXX XXXX Account XXXX Not my account 8. XXXX XXXX XXXX Account XXXX Not my account 9. XXXX Account XXXX Not my account 10. XXXX XXXX Account XXXX Not my account 11. XXXX XXXX XXXX XXXX Account XXXX Not my account 12. XXXX XXXX XXXX Account XXXX Not my account 13. XXXX XXXX Account XXXX Not my account 14. XXXX Account XXXX Not my account The Following Inquires were not initiated by me. They need to be removed. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Consumer statement Please update my phone number from XXXX to XXXX. 
As per section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. 
As proof of my identity, I have included copies of my, Social Security card, passport, drivers license. 
If you are unable to verify the account with the original contract, the information should be removed from my credit report within 30 days. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX DOB XX/XX/XXXX SS # XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/year> TRANSUNION RECIEVED THE 1099C FORM FROM XXXX XXXX  THAT I MAIL TO THEM AND THEY UPDATED THE BALANCE TO {$0.00} AND STILL REPORTING IT AS A CHARGE OFF BUT BY LAW ONCE THEY RECIEVED THE 1099C CANCELLATION OF DEBT THEY ARE TO REMOVE THIS ACCOUNT COMPLETELY OFF MY CREDIT REPORT LIKE XXXX DID PLEASE CONTACT THEM TO GET THIS XXXX XXXX  DELETED ASAP. USC 1681 THEY ARE VIOLATING MY RIGHTS ....
Product: Credit reporting, credit repair services, or other personal consumer reports

I obtained my annual credit report XXXX/XXXX/XXXX. Upon reviewing I noticed I have 30+ inquiries that are affecting my score. I have been car shopping for the past few years but never would have thought this information would have been shared with whomever they wanted ... ... ... I will list these below. I first called XXXX today XXXX/XXXX/XXXX who gave me the protocol to request to have these inquiries removed. I then attempted to call the next group of creditors that had access some how to my report, XXXX-XXXX cards?? I called and spoke with a rep who failed to tell me I was speaking with the fraud department. After speaking with her I explained why I was calling. All I requested per XXXX was an inquiry deletion letter. She proceeded to repeat to me all she could do is file an investigation for identity theft, that is the only way for these inquiries to be removed. She stated I would need to contact the credit bureau for further information as that is all that they could do. I then asked her if she could give me a date as to how long this would affect me and all she kept repeating was sorry we do not have a time frame to again call the credit bureau. I then again called XXXX and this time spoke with a supervisor and he repeated the same protocol. I explained I am aware but what am I suppose to do now ... ... .he stated to obtain a police report for proof they could not give me the inquiry deletion letter and submit this to them to then be reviewed to see what they could do???? I believe this is unnecessary as I am trying to buy a house and I can not even get the first group of inquiries deletion process started as no one neither the company nor the credit bureau can help me!!!!! How can any of which hold my information but not assist me? PLEASE HELP! XXXX XXXX XXXX? 
XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX/XXXX/XXXX, XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX  XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX  XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I have sent two set of letters to Transunion LLC, One in XX/XX/2022 and one in XX/XX/2022 to remove a collection from XXXX XXXX XXXX and the item still remains and is not fully validated
Product: Debt collection

Dear Sir or Madam. 

I am writing this letter to recognize fraudulent activity has been taken against my XXXX Credit report. The activity comes directly from XXXX XXXX XXXX ( Rebranding to XXXX XXXX XXXX ) towards their benefit against me. The report appears on my XXXX credit score with the fraudulent collections claim for {$100.00}. This is for an account that has no record of me ever opening it or signing a contract agreeing to these terms. 
When I was 16 years of age, I joined a family plan when the company was called XXXX XXXX, upon which my father paid a premium for a family plan. Up until now, that premium was still paid to ensure that a family plan would stay open. 

According to XXXX as well my account on that family plan closed more than three years ago. I have not been in the use of their products or services for more than three years. And now I'm receiving collections for an account, that I have never signed up for, nor have I ever made use of. 

I am formally submitting this report recognizing that there has been fraudulent activity from XXXX XXXX  towards their benefit against me. The report appears on my XXXX credit score with the fraudulent collections claim for {$100.00}. The company has no right to have taken legal action against me for what they have done and have not presented me any proof of these things.

I want this fraudulent activity removed from my account and I want the continued fraudulent use of my Identification to come to an end. 




Regards, XXXX XXXX