23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX dispute completed on account related to XXXX XXXXXXXX XXXX XXXX whom prior had the account on Experian report marked paid/ closed with a 30 day late mark on XX/XX/XXXX. 
Following the completion of your investigation of this matter and reaching out to the lender on this account you came back and updated the account to paid/ closed/ never late. All was good from that point till XX/XX/XXXX. You have a dispute entered like I was the one who disputed this account and I simply ask what was there to dispute there was no late payments on the account or anything. Well now this account has the 30 day lare payment reported now under XX/XX/XXXX. I called customer service who cant access this dispute confirmation number listed at the top of the disputes who cant see this account waZ ever disputed so I turn around and submit everything I have through the upload tab now uou all used my documents to simply update the late payment from XXXX XXXX to XX/XX/XXXX that same document you used clearly states tbe account was paid closed never late yet that wasnt updated. My issue is I go through the whole dispute process on this account thats closed I might add so why all these updates I dont get. But I go through the process you all complete the investigation in conjunction with the lender who I refuse to deal with at this point cause its dependent on who you are talking to as to what the account shoukd look like instead of being consistent across all reports. But you all wont stand behind your own results of a dispute completed on a closed account so its not like theres been more history added but you all have the 30 day late reported afrer calling and submitting the prior results.
Product: Debt collection

This is a follow up to the original inquiry and complaint filed with LVNV Funding for the two debts in collections one in the amount of {$1900.00} and another one in the amount of {$1700.00}. 
I have reviewed all the information sent to me and stand by my original claim that these two accounts are part of identity theft as I currently do not own or use any credit cards in my name other than a bank debit card and fuel cards. 
I see the statements reflect my mailing address and again I never received any correspondence to my home mailing address during this entire time these debts were accrued. 
I have enclosed in this follow up my official FTC identity theft report from the Federal Trade Commission which has been filed and that should be sufficient to prove my claim. 
Law enforcement agencies will now be made aware of this and no more collection attempts should continue as I have gone through all the proper channels to report this fraudulent activity. 

XXXX XXXX XXXX
Product: Debt collection

I don't know the company, it's a fraud and they are imposing as an attorney. I wrote a letter to them saying if you think you have an allegedly debts can you please, Validate the alleged debt ( the actual accounting ), Verification of your claim against me ( either a sworn affidavit or a hand-signed invoice in accordance with The Bills of Exchange Act 1908, Section 23 ),  & provide me with a true and certified copy ( NOT photocopy ) of the Original Note ( Credit Agreement ), under penalty of perjury and with unlimited liability and confirm that this Note, has never been sold. Please also confirm the name of the individual who is the duly authorised representative from your company, who has carried out due diligence under the Anti-Money Laundering and Countering Financing of Terrorism Act 2009 and what actions s/he has taken in relation to this account. 
It's unfair, deceptive, & an abusive acts or practices by them. 
P.S. they ruined my credit report.
Product: Student loan

My student loan servicer, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, is not  acting ethically in the way my extra loan payments are allocated. They have mandated that my payment is due on the last day of my " billing period '' each month. As a result, there is only one day, out of each and every month, that I can make an extra payment and have it applied directly to the loan token/loan number, of my choosing. 

As an example, my payment is due on the XXXX of the month, which they have determined to be the last day of my billing period. If I schedule an extra payment any time after that, they tell me I have not yet met my payment for the " new billing cycle. '' They take that extra payment and break it up across all my loans ( which is allowing them to take my monthly payment 29 days in advance and still making sure they are controlling where my money goes. ) As a result, any time before or after my payment is due ( XXXX of the month ) they control where it is applied. 

They have refused to change my billing payment period or my payment due date.I can not be the only student frustrated with this process. Student loan debt is out of control due to heavy handed tactics such as this. I have spoken to Great Lakes representatives numerous times and they always insist that this is their policy with EFT ( Electronic Funds Transfer. ) I do not want to change out of EFT because of the additional incentive they provide, that is a reduced/discounted interest rate for those signed up for EFT.
Product: Checking or savings account

Made payments to the wrong person through Zelle and Zelle does not have have fraud protection XX/XX/year> XX/XX/year>
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 this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The listed account needs to investigate and correct for erroneous reporting in my file is listed on my credit report as XXXX XXXX XXXX XXXX XXXX Balance : {$220.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$1000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XXXX  XXXX, XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

-- COLLECTION ACCOUNT 2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1000.00} -This is not my account.
Product: Money transfer, virtual currency, or money service

The purpose of my complaint is to gain assistance with retrieving my funds in the amount of {$3300.00} that is currently being held by SunTrust Bank also known as Truist Financial. I hired a company named XXXX XXXX XXXX XXXX to resurface my kitchen cabinets. On XX/XX/2021, wrote a check in the amount of {$3300.00} to XXXX XXXX XXXX XXXX to get the project started. After payment, XXXX XXXX XXXX XXXX informed me SunTrust notified them informing them that some sort of fraud activity occurred and as a result, the check I wrote of {$3300.00} would not be deposited into their bank account. However, the funds were already withdrawn from my XXXX XXXX account. As I was confused about what was taking place, I visited SunTrust bank to receive clarity and ask what can be done to rectify the issue, as well as retrieve my funds. While there, SunTrust advised me that they will research the matter and that I will receive a phone call advising me of the next steps. The phone call came and there was still no resolution. As I was tired of waiting, I emailed the CEO, XXXX XXXX in XX/XX/2021 and a person by the name of XXXX contacted me to assist. XXXX advised me that in order to resolve this issue, I would need to visit my bank, XXXX XXXX, and fill out a document entitled Whole Harmless. I did what was requested and was unsuccessful as XXXX XXXX required something specific from SunTrust, which I was not privy to. I phoned XXXX to advise of the situation and have yet to receive a response. I sent a follow-up email to XXXX XXXX XXXX XX/XX/2021 and to this date, no communication has been received. At this point, I am beyond frustrated and appalled that a company like SunTrust would steal money from people and think that they will get away with it. I am attaching all email correspondence and the front/back copy of my check to support this claim. 
Thank you for your assistance.
Product: Credit card

On XX/XX/2024 I received an email notification from Synchrony Bank in regards to my XXXX credit card. The letter stated that they had reduced my credit limit. I have never been late making payments on this account and I have never missed a payment. They intentionally reduced my credit limit within a few dollars of my current balance making my overall credit card usage percentage increase and in turn affecting my credit score. 

They also reduced the limit on several of my other accounts within the last year causing my overall credit card usage percentage to increase and affecting my credit score. The accounts with reduced credit limits are : 1. Walgreens Mastercard 2. Belk Mastercard XXXX. XXXX XXXX. XXXX 's XXXX 5. Care Credit 6. Mattress Firm 7. Discount Tire They closed my Mattress Firm and Discount Tire accounts when the balance was paid off.

I have several credit cards with Synchrony, some with balances and some cards with a XXXX balance. They don't reduce the credit limits on my cards with a XXXX balance. They intentionally reduce the credit limits of my cards that I am actively using and paying on time every month and this is affecting my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my Equifax report it is still showing my bankruptcy. It says I have no Bankruptcy on file, but it is using a 3rd party to pull it up on my credit report as a public record. My bankruptcy shouldn't be showing up at all on my report, it was in 2008. I am asking that this get removed. I tried to ask them to remove it for me, but was unable to have the option when I was on that page to try to respute, please let me know. I've suffered hard and long enough with this on my report, its not been 12 years and it needs to be gone!
Product: Debt collection

IC Systems is trying to collect an erroneous debt on behalf of XXXX XXXX  XXXX XXXX XXXX. IC Systems is reporting that this debt was received in their office on XX/XX/XXXX. I find this to be ironic since I haven't had XXXX XXXX  XXXX XXXX since XXXX. Perhaps this belongs to the new resident of the property but it was certainly not me. I have just now become aware of it as a result of a recent credit report inquiry. It is my understanding that only accurate information may report to the credit repositories. I am requesting immediate removal.
Product: Credit reporting

professional credit Services placed an account on my credit that does not belong to me and it is damaging my credit. I have tried contacting them to provide proof this account belongs to me and they have not or responded to me for that matter.
Product: Checking or savings account

On XX/XX/2018, i checked my account and noticed an unauthorized pending charge for {$19.00} from XXXX. I contacted the vendor corporate office and spoke with the financial service department. They ran my debit card number through their system, and they did not locate an account using my debit card. I have never used XXXX  's services, because they are free. I contacted Navy Federal, and was told i can not dispute the charge because its still pending. Well that pending fraudulent charge caused more issues. The money it deducted from was my car note, in the amount of {$580.00}. Because they can not reverse the pending fraudulent charge, they returned my car payment stating " insufficient funds '', but ALL of the money was available until my account was fraudulently used. NFCU then states that I will be assessed a {$29.00} fee as a result. This bank is more susceptible to fraud than any other bank. This is the SECOND time my account has been compromised and the SECOND debit card. This is absurdity.
Product: Debt collection

I want a account that is fraud reporting to credit file to be removed ASAP. No signed contract. No signed agreement. Not mine. The company Portfolio Recovery has placed their information against my social security number and it 's causing great harm to my credit report. I have tried to explain to this company that this joint account ( ending in XXXX ) is not mine I have not signed a contract with them. This account is fraudulent and was made on the internet without my consent. I tried to explain to this company via online and through the credit reporting agencies that this does n't belong to me or the joint party involved. They only sent me a bill with no signature on it. No copy of terms of the agreement per my request. no transaction history and limited billing history which shows some crazy balance amount. This is on my credit profile and it is holding me up and it 's not my responsibility. This company is a scam and does n't care about consumer rights. I am not able to pay this account as it 's not mine.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRIES NOT RECOGNIZED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C, 1681section 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

Please take a look at the attached letters and XXXX  docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Product: Debt collection

On XX/XX/2018 a letter was sent to verify the debt. XXXX XXXX XXXX never sent me any documentation verifying that the debt was mine. I do not recall this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'd Really like for XXXX  to take a look at the negative item that Ive listed below, because Ive tried again and again to make sense of what Im seeing. unfortunately. I cant make heads or tails of this and need your help Ive found multiple inaccuracies and Im aware that your job is to ensure the accuracy of my credit report. if you would, please investigate these item and send me a new credit report reflecting the changes ( I would appreciate it if youd expedite this because i need to apply for a job ). if you really look at the info that ive provided, youll see why ive said these arent reported correctly what i cant figure out is why im seeing this information to begin with, because arent you supposed to verify everything before it every hits my credit report i really dont think that youve done this so i would really like for you to fix this now. please investigate the following account : Capital one bank # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent letters to XXXX, Experian and XXXX stating that the items on the letter enclosed aren't mine and they are a product of Identity Theft I have sent them a police report as well. They aren't sending me any response letters and when I call they tell me they never received the letters nor the report so I have decided to file a complaint with CFPB and FTC because they are totally compromising my credit.
Product: Credit card or prepaid card

First one happened on XXXX of XX/XX/2021 while the second One happened on XXXX of XX/XX/2021 about XXXX. 2 vanilla cards of {$500.00} and {$200.00} respectively were sent to me by a friend but when I tried using them they were declined saying I had XXXX balance in them..
Product: Checking or savings account

I recently opened a new Wells Fargo checking account. I decided to do this because the new checking account bonus of {$250.00} was very attractive. I have completed all requirements to receive the bonus deposited to my account. I did call and received confirmation that was account would be credited to bonus. Sadly, I am still waiting! 

I was also told for all the inconveniences, the phone banker stated they would reverse all of the {$35.00} fees. Truthfully I would not been charged over draft fees of Wells Fargo had credited my account as promised
Product: Debt collection

XXXX XXXX XXXX is a collection agency that has illegally kept reporting on my XXXX and XXXX XXXX reports. I have disputed this alleged debt with multiple written requests only to be ignored or threatened by representatives when I pick up to attempt to resolve the issue. My last attempt was in XX/XX/year> and they simply update their fraudulent activity.
Product: Bank account or service

A client of mine had his company bank account compromised. As a result, one of the checks written on the account was my monthly check in the amount of {$3000.00}. Once he found out his banking account had been compromised, he immediately contact me and I immediately contacted PenFed. I told PenFed what had happened and immediately wired {$3000.00} from another account to cover any and all transactions. My account was never, ever overdrawn and I was told by PenFed that the original check for {$3000.00} was NOT going to be re-deposited because, according the PenFed representative, " our system is incredible sensitive and the check will be returned. " That ended up not being the case, the check was redeposited and of course, declined from my clients financial institution. Again, my account was never overdrawn. 

As a result of this, and of no error whatsoever on my part, PenFed, irresponsibility has blocked my access to all my accounts. 

Despite five separate attempts to have this irresponsible block removed, it remains. That is, because of something that was completely the fault of another party, and had literally nothing to do with me, I do not have access to my money. I have never overdrawn an account and I consider myself a financially conscious individual. 

How is it possible for an institution to completely block a responsible customer from their banking accounts? 

Unfortunately, PenFed only can say that 'my case ' is on a supervisors desk for review. 

Any assistance you can provide would be most helpful. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently initiated the process of purchasing a house, and during the mortgage application, I discovered several inquiries on my credit report that were not made by me. Additionally, there are negative items, collections, and late payments reported that are inaccurate and have resulted in significant damage to my credit report.

However, after conducting thorough inquiries with the respective companies in the credit reports, it has been confirmed that they do not have any records of me in their systems, and still, the credit bureaus refuse to do a proper investigation to correct my credit reports.

I would like to draw your attention to the Fair Credit Reporting Act ( FCRA ), which leads me to acknowledge that these creditors have violated my rights under 15 USC 1681, Section 602, which states I have the right to privacy, and 15 USC 1681, Section 604a, Section 2, which also states a consumer reporting agency can not furnish an account without my written instructions. 

The Fair Credit Reporting Act ( FCRA ) prohibits the reporting of inaccurate information and ensures the accuracy, fairness, and privacy of information in consumer reports. The inclusion of unauthorized inquiries and inaccurate negative information on my credit report is not only a violation of my rights under the FCRA but also constitutes defamation of my character. 

Account XXXX XXXX XXXX  Account # XXXX
Product: Debt collection

Credit Management Ltd has filed negative information with XXXX three times in the past three months for the same debt with XXXX XXXX. First, the name on the debt is not the same as anyone who lives here. While it is similar to my wife 's name, it is not the same name. Second, we have never been customers of XXXX XXXX. We do not live in a XXXX XXXX area. None of the false addresses registered with XXXX are the same as ours. We have lived at our current address for 32 years and do not have another address. We have never received a monthly bill from XXXX XXXX. We have never used XXXX XXXX service. This debt is not ours. We will not pay it. XXXX keeps going from one debt collection agency to another trying to collect on a debt we do not owe. While XXXX is the victim of someone else 's fraud, that does not make us responsible for the debt. We do not owe the debt. We will not pay the debt. Credit Management must cease and desist their repetitive claims to XXXX on a monthly basis for a debt we do not owe. They 're playing a game to extort money. They file the claim each month, we dispute it each month. XXXX removes the claim each month. Credit Management needs to stop wasting XXXX 's time and stop harrassing us. There is no XXXX XXXX at our address. Never has been. They need to locate the real person who ran up the debt and approach them for payment and leave us alone. 

This claim has already been disputed and Credit Management removed the claim and the false name before. They must do the same again and cease and desist from all further claims in this matter.