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

My issue is with my bank, US Bank, more than XXXX XXXX XXXX XXXX. 
On XXXX XXXX I saw a charge for {$650.00} to XXXX XXXX XXXX XXXX on my debit card. I called US Bank to report it as fraud. I was given provisional credit. 
On XXXX XXXX XXXX, I received a letter telling me that my claim was denied because they verified that I had received services and/or store merchandise. 
I have called the US Bank Fraud Prevention Representatives ten times about this claim, and I have also visited my US Bank branch during the last four weeks. I have been told that the claim was denied because the person who made the charge had all my debit card information and my email. I received an email from XXXX XXXX XXXX XXXX listing all the tickets that were purchased and the first names of each person using the tickets. The bank representatives and the XXXX XXXX XXXX XXXX customer service agent told me that they have pictures of all the people who have used the tickets ( and none of them were me or anyone I know ). XXXX XXXX XXXX XXXX will not refund me for the tickets because they have been used. 
I have been told that no one from US Bank can help me, that I need to talk to a processor. Processors will not take calls from customers, so I need to wait for one to return my message. On XX/XX/XXXX, I received a call back message from a processor, saying they were calling me back about my claim and if I had any other questions, I should call the number on the back of my debit card. 
I called the Fraud Prevention Representatives many more times. Four times I have been told that they would send a message for the manager of the processor to call me back. Each time I've been told that the manager would get back to me in 24 - 48 business hours. I have not received any call backs. 
I am reaching out to you because I am at a loss as to what to do about the {$650.00} that has been taken out of my account for a fraudulent charge. US Bank was supposed to protect me from fraud, or at the very least help me with a fraudulent charge on my account, but I can not get any help from them.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 Credit Karma suggested I applied for a XXXX XXXX Credit Card, through Credit Karma, to help improve my credit score. The website also stated, my chances for approval was good and shouldn't drop my credit score no more than XXXX points. So, I applied and was APPROVED for a credit card. This one hard credit inquiry, decreased my credit score with XXXX by XXXX points. I tried to locate a number for Credit Karma to speak with a personal customer service about my concerns. But could not locate a contact number on Credit Karma 's website, nor any assistance with this type of complaint. I've spent hours today XX/XX/2022 talking with XXXX and XXXX XXXX representatives for an explanation to why my credit score dropped so significantly. Hours on the phone with both agencies have not given me an explanation to why my credit score dropped XXXX points.
Product: Credit reporting or other personal consumer reports

This complaint pertains to Having too many Names, Addresses and emails on my Accounts. I need this to be a Blanket Compliant across all three credit agencies. Equifax, XXXX and XXXX. I have XXXX full name, XXXX Mailable address and XXXX Email. I see several on my Report. Per 15 USC 41 And 15 USC 1696 also USC 1681b. I being the Creditor of my accounts in Real, living and Private compacity expect deligency when its coming to holding private transactions with My Securities with a Provider of my choice. They should not share my private transactions with A credit agencies of any kind. I opt out off all reporting of late payments, Credit card transactions reporting of my private transactions. Per the truth and lending act It's against the law and they are performing Securities Fraud as we speak. I want compensation for this violation for loss of Time and Opportunities per What's on my Credit report without permissible Purposes. By law it's {$5000.00} or 1 year in jail for Knowingly violating these policy 's. I need remedy fast. My score has dropped tremendously. I need All inaccuracies Removed immediately and All accounts showing paid in full. This is my third attempt and will need remedy. The Government has already paid our debts credits. It's fraud to charge me or take my certificate of indebtedness in a debt system. I have unlimited credit in every transaction per The government. Knowing that I credited the accounts I created and can not be in debt when I created the value.
Product: Credit reporting, credit repair services, or other personal consumer reports

The company Portfolio Recovery sent a letter to my home stating they would accept a settlement offer of {$380.00} and it needed to be received before the XXXX of XXXX I believe. I sent a payment of XXXX on the XXXX of XX/XX/2021 from my wife 's XXXX XXXX bill payer service. The check cleared on the XXXX of XX/XX/2021. I contacted the debt collector to get information as to why they haven't updated the credit report and cleared the balance. They stated they didn't receive a payment and it was mailed to the exact address on file. The acct number was on the check XXXX. The address is XXXX XXXX XXXX XXXX VA XXXX.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX  was never late! I have had exceptional payment history witH 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 my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported 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 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: Payday loan, title loan, or personal loan

Company persuaded me to renew so payments could get back on track. Before renewing I explained to company that I was in a hardship. Now I am still unable to make payments and company has called three to five times a day. Company has called from different unknown numbers for me to answer call. Company has also discussed payments information with third party stating I am behind 3 months.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX CT XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$19000.00} XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXXXXXX XXXX XXXXis isn't 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 719XXXX has me at a score around 590. 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 n 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 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three 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 n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n 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 XXXX XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit reporting or other personal consumer reports

OnXX/XX/2024, TD AUTO sent a letter informing me that the account was being reported as bankruptcy discharge. Please see the XXXX credit report showing the charge off and balance of {$72000.00} that is a violation of the Fair credit reporting Act. XXXX have stated the information was being reported correctly.
Product: Money transfer, virtual currency, or money service

My coinbase.com account was suspended due to me being a XXXX resident, I have since moved to XXXX XXXX and have sent in my new ID and received confirmation of my ID being verified by the customer support but my Account is still blocked. Coinbase did get in touch with me briefly but have stopped responding to any of my messages or complaints. I have messaged them daily with no response for over a week. I just want to make sure that I have not been scammed out of my money ... my login for coinbase is XXXX Thank you for any help you can provide
Product: Credit reporting, credit repair services, or other personal consumer reports

Account # XXXX I challenged the accuracy, compliance, verification, and reportability of this listing. Please validate this information XXXX XXXX XXXX and ask them to provide me with copies of the original contract and validation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally requested that this information be immediately deleted from the credit file they maintain under my Social Security number. This fraudulent report is only reported on one of the three Credit Reporting Agencies. I requested validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. I further reminded that they may be liable for your willful non- compliance, as per FCRA 623 ( a ) ( 3 ) - Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C . 1681S-2 ].
Product: Credit reporting, credit repair services, or other personal consumer reports

Hard Inquiry on my credit accounts on XX/XX/23. I do not know who this company is, what they do. Additionally, clearly, this was not authorized by me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX and XXXX are reporting incorrectly lates in XXXX, XXXX and XXXX, 2019 for the XXXX XXXX XXXX account XXXX number. ( Please see page 10 of the attached credit report. ) Month after month I called and made a payment on this account. Apparently the very first payment was never applied correctly so each payment I made was reporting a month behind. Every time I made another payment I was never told that I had initially missed a payment according to their calculation so consequently every payment I was making was actually a month behind due to their accounting error. I was never aware that I was actually making payments in arrears. Had I been informed of this I would have made an adjustment and paid an additional payment to be current with their accounting. I do not believe I should be punished with any late payments because I was never properly notified of this issue. The only communication I did receive were vague emails with no explanation, no context as to what they were needing or when to call or even WHO to contact! When I did call however, I was never able to physically reach the representative who was forwarding me the emails. I only spoke to the person who happened to answer the phone and was told to just continue making my monthly payments. Never once did this representative share with me that my payments were continually late. I never received any notification in the mail to tell me I had a late payment and I only discovered there were late payments when I obtained a copy of my recent credit report. When I saw this, I immediately went to a XXXX XXXX XXXX branch in XXXX, WA and paid the past due as well as the next upcoming payment to make sure that the account was up-to-date. By XXXX XXXX XXXX reporting these late payments incorrectly due to their accounting error, and never properly notifying me of the issues, is seriously harming my credit score. Please remove these lates from my credit report.
Product: Checking or savings account

Claim # XXXX XXXX XXXX, Hello my name is XXXX XXXX I am contacting you on the regards of a XXXX transaction. I was scammed out of {$350.00} I can provide any evidence needed to provide to you guys as much as I can that Ive been scammed. I sent {$200.00} to XXXX {$150.00} XXXX  I asked them Why do I have to send it to two different accounts? They same it doesnt matter what account youll get you products regardless, after that they blocked me. Ive contacted my bank, And XXXX, and they told me they cant guarantee my money back and to contact you guys ...
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts listed below are charge off and showing a balance on my credit report, the accounts are in accurate. I did not consent nor authorize anyone or any company to benefit from my credit or report information to my credit report, this violates my consumer rights. 

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

I'm sending this complaint to request credit inquiries that were unauthorized to be removed from my credit report. I received a copy of my credit report and became aware of inquiries that I did not authorize. They are as follows. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, D.C. XXXX Federal Trade Commission XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX : Complaint Against Equifax for Reporting Inaccurate and Outdated Information Dear Sir/Madam, I am writing to formally lodge a complaint against Equifax, a consumer reporting agency, for their failure to accurately report information on my credit report and for not addressing my dispute in a timely manner, as mandated by the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681i.

For over three years, Equifax has been reporting inaccurate information on my credit report, which has not only negatively impacted my credit score but has also limited my financial opportunities. Under 1681i, I have the right to dispute any inaccurate information, and the agency is required to conduct a reasonable reinvestigation free of charge within 30 days of receiving my dispute.

I have previously notified Equifax of this disputed information and provided supporting documentation to substantiate my claim ; however, they have failed to rectify the inaccuracies or provide a satisfactory response. Additionally, I have faxed all relevant supporting documents to the Attorney General 's office in XXXX, GA, for review. 

This ongoing issue has violated my rights to privacy and has caused significant distress. I request your assistance in investigating this matter further and holding Equifax accountable for their non-compliance with federal regulations. 

Thank you for your attention to this serious matter. I look forward to your prompt response. 

Sincerely,
Product: Debt collection

My Identity was stolen a few years back and accounts have popped up from time to time. a XXXX XXXX XXXX  account and a couple of over accounts were opened and eventually defaulted on. GC collection services is refusing to work with me. 

Under 605b, You are required to provide a police report and FTC affidavit which I did.If that information is provided is must be deleted by XXXX and GC services. 

If you submit a copy of a police report to the CRA, the CRA must remove the identity theft info without any need for creditor review or concurrence. A police report is a sworn statement before a law enforcement agency, and thus has potential for action against the consumer for any knowingly false statements, and is the FCRA-approved manner of getting rid of fraud and identity theft accounts from your credit report. The dispute process is not usually the manner to deal with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my report and there were Accounts On there I have never seen
Product: Credit reporting, credit repair services, or other personal consumer reports

I found account on my Equifax credit report that was opened around 6 months ago. That do not belong to me. Account belong to XXXX XXXX. It is line of credit for about XXXX. That somebody is using it and make regular payments. I dont understand how this company could open account without hard inquiry on my credit? I noticed this account by accident. I contacted Equifax to remove this account from my credit report.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I noticed an error regarding one late payment on an account that I paid on time. 
Account Name XXXX XXXX XXXXXXXX Account Number XXXX It is crucial that the information reported is accurate, and I am requesting your assistance in addressing this matter. Another inaccuracy is the Time Of Payment Reporting ono each credit bureaus is reporting different on each report. XXXX, 30 days past due, Equifax 60 days pass due, XXXX 30 days pass due I have included a copy of my credit report highlighting the late payment entries dated XX/XX/year>XXXX  Please investigate and provide supporting documentation to verify these payments were late. If no evidence can be provided, I ask that these entries be promptly corrected to show an on-time payment history. 

I appreciate your attention to this issue and look forward to a resolution. Please feel free to contact me if further information is required.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act. XXXX, Transunion and XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681.

According to the 15 U.S.C 1681 section 602A. states I have the right to privacy.

These addresses and incorrect spellings of my name do not belong on my credit report. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/2023 I reported my card stolen. I told the agent that my card was compromised because my phone was also stolen and it had my pin number. After receiving several emails every two days up until XX/XX/XXXX, stating that they were still investigating the claim all of the sudden I was told over the phone when I called on XX/XX/XXXX, to inquire about the status, that on XX/XX/XXXX they determined that there was no fraud on my account. I never received a letter, email or a call in regards to their decision. There was {$1800.00} worth of unauthorized charges on my business account. I did not make any of these purchases and I would like to know how they determined that the charges are not fraudulent.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute an entry on my credit report that I believe is inaccurate. 
Upon reviewing my credit report, I have found that the student loan entry is inaccurate or does not accurately reflect the status of the loan, and as such, it is damaging my credit report. I am requesting that you thoroughly investigate this matter, and if you find the information to be inaccurate or unverifiable, I kindly request that you remove the entry from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681.

In addition to the removal request, I respectfully ask that you provide me with documentation or the results of your investigation into this matter. If the loan is confirmed to be inaccurately reported, I expect a prompt update to my credit report.

Please find attached supporting documents to assist with your investigation, including : Copy of my identification Copy of the loan documentation Any correspondence I have had with the loan servicer regarding this issue I kindly request that you provide a response within 30 days of receiving this letter, as required by the FCRA. 
Thank you for your attention to this matter. I look forward to your prompt resolution of this issue.