23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I am disputing the collection account with CITIZENS BANK NA account number XXXX dated XX/XX/year>, with a balance of {$21000.00}. This account is unverified and does not belong to me. Despite my efforts to resolve this issue by contacting both the collections agency and the original creditor, I have not received any satisfactory resolution. I request an immediate investigation into this account and demand that CITIZENS BANK NA, provide verifiable proof of ownership and validity of this debt. I expect a swift response and the removal of this erroneous information from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). I had my identity stolen and this account must come from that.
Product: Credit card or prepaid card

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 anxiety,
Product: Credit reporting, credit repair services, 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 an item 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 from 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; Medical XXXX XXXX : {$1600.00}.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against TransUnion for failing to properiy investigate my disputes regarding inaccuracies in my credit report.Despite my submissions, TransUnion consistently responds within a short period of time stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, TransUnions actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding the account is accurate, without providing any evidence of a XXXX investigation.This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 16811, which mandates a reasonable investigation of disputes. Furthermore, TransUnion actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), I request that the CFPB take action to ensure TransUnion complies with federal law and provides consumers with the necessary proof of investigation. Account is XXXX XXXX # XXXX
Product: Checking or savings account

Hello. 

I have XXXX XXXX. I also on XXXX XXXX XXXX opened a Monifi ( online checking account by midfirst bank ) On XX/XX/XXXX thru my monifi app I transferred XXXX from my XXXX XXXX to my Monifi. Before I got my monifi debit card in the mail Monifi suddenly closed my account " business reasons '' is all they would tell me. ( officially closed XXXX.They still to this day refuse to give me my money back. They say XXXX XXXX has to ask them for the money back. Finally I got thru to somebody in the claims dept who took the time ( 2 hours on the phone w her ) she researched the bank asked me questions to figure it out, very thorough. This was not a fraud claim, i know it and so does XXXX XXXX, that was the department i had to go through they said. So she filed a claim to get it back. XXXX XXXX then put XXXX back into my account along with sending me a letter stating I was in the right and case closed. Now months later on XX/XX/XXXX XXXX XXXX takes XXXX out of my account leaving me overdrawn XXXX. First excuse was that i had account before i opened this one and i was negative XXXX so they took it. A lie. Second excuse is that whoever did my claim did it wrong. Now they say that because it wasnt a fraud claim they decided to take it back. They knew from the beginning it wasnt a fraud claim. 
All I needed them to do was to pick up the phone call Monifi and give the ok for them to give me my money back. They responded like i was asking them to call me a taxi to tKe me to the XXXX house in outer space so I could walk my dog XXXX!! I am well aware that the law states when a bank closes your account for any reason they have to give you your money back. I dont owe monifi anything. Still they refuse. Along with telling me XXXX XXXX never filed a claim for anything. Now any deposits coming in or auto pay bills they are taking and not paying. This was all the money i have in the world. They are steLing from me, both banks, i feel like because who am I? What am I gon na do. I hope this makes sense Thank you XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Notice to Intent to SCA Collections, While viewing my consumer report, I notice you furnished a collection account to my consumer report. However, during the process of you obtaining or purchasing this account from XXXX XXXX XXXX the original creditor, my NON-PUBLIC PERSONAL INFORMATION WAS OBTAINED UNETHICALLY AND FURNISHED TO THE CONSUMER REPORTING AGENCIES WITHOUT MY CONSENT. During this process, I was an uninformed consumer and FDCPA, FCRA AND HIPPA laws were violated. That fact the privacy has been violated and this account being furnished is affecting my livelihood and reputation.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : 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

Trans union LLC is still reporting unauthorized inquiries that was placed on my consumer profile with out my written permission. XXXX XXXX XX/XX/XXXX navyfed XXXX - XX/XX/XXXXXXXX XXXX XXXX and a new inquiry was just placed XX/XX/XXXX padio.. Its been over 60days of my trying to resolve this issue with TransUnion. Its on file with TransUnion that I was victim of my data being compromised. And TransUnion responses with a recent letter. Stating that my being a victim of identity theft. Does not apply to unauthorized hard inquiries that was placed on my trans union report. That was placed with out my written consent. I will be submitting TransUnions response letter to the states attorney office. And I did hire legal counsel regarding. The violations And laws trans union continuously. Continue to break and unfair credit reporting with disregard of the consumer non personal information. Who TransUnion never had the lawful authority to publish in the first place. With out my written consent
Product: Debt collection

Re : Acct. XXXX To Whom This May Concern : As i have not heard back from " Experian '' in over 30 days since my formal written notice of dispute dated XXXX, and since they have not supplied the demanded proof of the alleged debt, under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) XXXX XXXX XXXX, XXXX, i may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This account is inaccurately reported as a charged-off account with a balance due. 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) requires that all information reported to credit bureaus be accurate. Please provide proof of the charge-off status, or, in the absence of such proof, update the account balance to {$0.00} or delete the negative payment status in accordance with 15 U.S.C. 1681c-2, which requires the reporting of accurate and verifiable information.
Product: Credit card

On XX/XX/year>, I received a notification from my XXXX XXXX app that one of my accounts had recently been closed. Upon opening the app, I discovered that my Victoria 's Secret Comenity Bank credit card with perfect credit history of over 10 years had been closed without them sending me any kind of notice via mail or email that this was about to happen. I tried calling multiples times and their system automatically tells me that my account was closed and can not be reopened, and then the call automatically disconnects. It will not allow me to speak to an actual person regarding the issue. I have worked extremely hard to build and maintain my great credit rating over the years, and I am appalled that this now reflects negatively on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

These four accounts are display the incorrect status and account balances on my credit profile. I have contacted the credit bureau several times. 

XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX  XXXX XXXX - XXXX DEPT OF EDUCATIONXXXX - XXXX XXXX XXXX XXXX - XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent in dispute letters asking for detailed proof with my original signature showing that the account belonged to me and received a response from the credit bureau that the information was verified. The creditor didnt reply with the proper information showing my original signature. Therefore this is against FCRA and the accounts should be deleted immediately due to the fact that the creditors didnt reply with proper information. Ive sent in several letters asking the same exact things and now Im frustrated because they are not providing proper documentation. I wrote Transunion, XXXX, and XXXX and the accounts care back verified with no proof of original signature. I do understand that this is illegal and Im at the point where I would like to file a lawsuit due to the fact that no one is properly investigated the items being reported.
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX I went to NTL in Delaware for a loan, desperate because I had to move on XX/XX/XXXX and  did n't have all the money to do so. I received XXXX on that day, not realizing the interest was at 300 %. I am a PA resident. and do n't think my interest should be this high. I am now struggling to pay XXXX a month just in interest and not towards the loan.
Product: Credit card or prepaid card

I closed the account with Capital One over 4 months ago and recently found out the account was never closed and it had a annual payment which came due while I had thought it was closed. Because the account showed that it was still open they were looking for a minimum payment as well as charging interest. I recently purchased a car and used Capital One as the lender. This is when I was notified that this account was still open. I contacted Capital One and notified them of this issue and they agreed that it was a mistake and sent me {$49.00} check showing that there was a balance on the account when it was closed. In order to get it removed from my credit report my lender was requesting that Capital one stated that the account was not past due and both letters I received did not exactly state that so it is still hurting my credit by 50 to 100 points.
Product: Checking or savings account

Ive had an account with Navy Federal credit Union since XXXX and I still have an account with them. I used to get overdraft fees when I didnt have the money in my account. They will let the card go in through anyway and hit me with the late fee overdraft Insufficient funds you name it
Product: Credit reporting or other personal consumer reports

After reviewing my credit report I have accounts that are more than 7 year 's old that should be removed. 

Account info Account name XXXX Account number XXXX Account type Auto Loan Responsibility Individual Date opened XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Reported : XXXX XXXX XXXX {$24000.00} Closed Balance {$24000.00} Highest Balance XXXX XXXX  Monthly payment No Info Opened XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Reported : XXXX XXXX XXXX  {$3000.00} Closed Balance {$3000.00} Credit limit XXXX XXXX Monthly payment Opened XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reported : XXXX XXXX XXXX {$1600.00} Closed XXXX  Reported : XXXX XXXX XXXX {$3100.00} Closed
Product: Checking or savings account

Last Saturday XX/XX/2023 my daughter got her check from working at a XXXX XXXX  during the month of XXXX called the XXXX XXXX XXXX. Her check in the amount of XXXX became available and we used our cards believing everything was ok later in the day when there was XXXX dollars left in the account it was brought to my attention the account has been blocked when I inquired about that they said the check was flagged the person I spoke to in the fraud department had called the issuers bank after I told them that the bank would not speak to me. Also her boss had called and spoke to them verifying the company which he owns and the check was also verified by his bank as well. Today when I spoke to them I was informed that the back office team made a decision to no longer do business with us and closed the account out. No other explanation was given other than they claim they can't verify anything although all calls are recorded so there is recordings that everything was verified so therefore there seems to be something wrong something that's gone XXXX somewhere when asked to speak to a higher up my request is been denied and manager hang up on me. Please I need to know what to do about this manner there is no local branch near me. The representative even stated they would not speak to me anymore.
Product: Credit reporting, credit repair services, or other personal consumer reports

fraudulent inquiries due to identity theft from the XXXX XXXX XXXX XXXX XXXX DELAWARE XX/XX/23 XXXX XXXX XX/XX/23
Product: Credit reporting, credit repair services, or other personal consumer reports

I have mailed multiple letters dating back to XX/XX/2022 to all 3 credit bureaus disputing inaccurate and impermissible accounts being furnished on my consumer report. My disputes are not being properly investigated and after numerous attempts, I have not got any results. These accounts ( XXXX XXXX, XXXX XXXX, XXXX XXXX ) are violating my rights as a consumer according to the FCRA Sections 603 ( 2 ) Exclusions, 604 ( a ) 2 Permissible purposes and 623 Responsibility of furnishers. I havent been provided with any documentation to support that information is accurate or the method that was used to verify ( FCRA Sec 607 ). Theres also multiple accounts ( XXXX, XXXX XXXX ) that violates Section 807 11 of the FDCPA, and FCRA Section 609.
Product: Credit reporting or other personal consumer reports

This account, linked to a vehicle that was fraudulently registered in my name using a fake ID, has been the cause of significant distress. I complied fully with NCB COLLECTION XXXXXXXX XXXX XXXX requests to address this matter, including providing a police report and an affidavit detailing the crime committed against me. Despite this, I was asked to fraudulently back date legal documents that NCB management mailed to me, and upon doing so they sent all of my personal information over to another collection agency [ XXXX XXXX ] without my knowledge or consent, asking me to falsify documents, which is not only unethical but also illegal. Additionally, despite my efforts to clarify the situation with their representatives and a manager, this fraudulent account has not been removed from my credit report. I want to remind you that I have informed your agency multiple times that the vehicle in question was never insured, and the dealership responsible for this fraudulent activity was closed down by the FBI following an investigation. The continued presence of this account on my credit report is unacceptable and damaging to my financial standing.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are five student loans showing up on my credit bureau as delinquent. However, all of my student loans transitioned to XXXX and are in repayment with a good standing. Some of the delinquent loans have the same date or date range as my XXXX loans. I did not take out separate loans from the ones I already have that originated at XXXXXXXX XXXX  University - XXXX. For example, there are two loans dated XX/XX/2007. Did someone take out a separate loan after I did on the same day? I do not understand why this would show up under the XXXX XXXX XXXX in addition to the XXXX  loan in repayment with the same dates. XXXX is the service provider for all of my student loans including my only private loan. Additionally, the XXXX XXXX XXXX XXXX has sent a letter to garnish my check at my job. The principal amount is {$27000.00} ( see attached ), which is close to the same amount I am still paying. Please help me clear this up so this no longer shows up on my credit bureau doubled up with additional fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX I am filing this complaint due to numerous things I found own my credit report that were passed the statute of limitations that negative accounts are allowed to stay on credit report, and accounts within accurate information being reported on my credit report that is harming my scores are just not accurate. 

I am requesting these accounts and hard inquiries be removed immediately. I did further research to see how these accounts was reported on my credit report without me opening these accounts. Based off Fair Credit Act all credit bureaus must be accurate with reporting to all 3 bureaus. In Accordance Fair Credit Act these companies listed has violated my rights. 15 U.S.C. 1581 Section 602 A states I have a right to privacy. 
15 U.S.C 1681 604 A Section states. It also states that a Consumer Agency can not furnish an account without my written consent. 

XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXXXXXX XXXX  XXXX Date Opened : XX/XX/XXXX XXXX XXXX Date Opened : XX/XX/XXXX. These accounts are passed the statute of limitations which is 7 years a negative account can stay on your credit report based off Fair Credit Act. All of these accounts listed above are well passed the statute of limitation dates. Therefore, these accounts should have already been removed from all three-credit bureaus XXXX, Experian, and XXXX. 

These accounts are report in accuracies on all three credit bureaus. I never opened an account with these companies, never signed an agreement to open an account with any of these accounts. XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX I XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX These inquiries were not authorized to appear on my credit report, I did not apply, nor did I sign any documentation for any credit with these companies listed below XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have attached a clear copy of my credit report. You will see all of the in accuracies highlighted in green on my credit report. You will see that they're not reporting with accuracy on all three credit bureaus. I have also attached my XXXX License, and clear copy of my social security card.
Product: Money transfer, virtual currency, or money service

I sent an international wire transfer in the amount of {$72000.00} ( switched it to Brazilian currency before sending it, which was {$350000.00} XXXX  ) on XX/XX/2022 to my wife. I was told from my bank, which is XXXX XXXX, that it would take 3 hours if not it would be there by the next day. This Monday will be 6 weeks and the money still hasn't made it down there. Apparently, they go through Bank of America when dealing with international wire transfers, and me and my bank have reached out six times to Bank of America to find out where the money is, the last two times requesting a recall of that money. The last request being XX/XX/XXXX. This has been going on for 4 weeks and Bank of America has not responded one time to this inquiry. I don't know what is going on, and to them this might not be a lot of money, but this is my life savings and this was to buy a condominium down there for me, my wife, and my XXXX daughter that will be born on XX/XX/XXXX. This whole process has cost me more money because of the fact that I'm still trying to hold on to the property that we signed the agreement on, but since I didn't get the funds in time, I'm being penalized each day with interest. At this point I just want my money back and a response telling me your money is on its way back, but I can't even get that nor any other response from Bank of America. If I forfeit on this condo it will cost me another {$7200.00}. I don't know what else to do...
Product: Credit reporting, credit repair services, or other personal consumer reports

I made monthly payments on a car that was totaled and mostly paid off by my insurance shortly after purchasing. I contacted the financing company prior to the final payment that was due where I was informed that they were still charging interest on a vehicle that no longer existed and would receive a large refund and did not owe the final payment. This was XX/XX/2019. In XXXX of 2019 a very rude woman called me from a collection agency demanding I pay the final payment, I attempted to explain to her that I did not owe it and XXXX owed me , she insisted I tell her where the vehicle was, which I stated in a junk yard somewhere now owned by XXXX as it was totaled a year prior, she was beyond ridiculous insisting I stole a destroyed car. I then called XXXX who apologized and said they would handle the situation. About a week later I received a check in the mail for approximately {$1400.00} from XXXX for the extra $ I had overpaid them over the remainder of the car loan. They are still reporting that final payment was 30 days late, when obviously it was not. 

I need this lifted from my credit asap, it has been affecting my abilities to raise my credit score, my abilities to re-finance my new vehicle and more. Im tired of paying a price for something I did not do. Thank you for your assistance in this matter.
Product: Credit reporting or other personal consumer reports

I'm disappointed by your claims & am rejecting on the basis that you lack any material fact to support your claim... Please DISPUTE THESE ACCOUNTS! Or I will be seeking a legal remedy from you. Frustration, distress, annoyance, and outright anger. These emotions stem from the painstakingly slow response and the repeated denial of my identity theft claim by your bureau. Let 's be clear ; this situation is nothing short of a nightmare. I've been grappling with unauthorized accounts and transactions, and the toll it has taken on my financial well-being and peace of mind is immeasurable. The emotional rollercoaster I've endured is beyond distressing. I expect a written acknowledgment of this dispute letter and a clear commitment to investigate my identity theft claim promptly. XXXX XXXX XXXX and XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX. Please delete these accounts immediately.