23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I sent in 2 letters regarding my credit report to each bureau including to ALDOUS. XX/XX/2021 was the last one I sent. I haven't checked my credit in awhile and noticed ALDOUS reporting false inaccurate information. I've called several times to dispute the wrong information being reported and I either get disconnected or the run around for any real verification. Every time I call in to explain that I've sent in my letters multiple times, the reply is they haven't gotten it. its been almost 2 months since at least ONE response even after calling. I have no clue what else to do and I feel like there won't be a resolution because they keep saying they haven't received anything. This account needs to be removed ASAP because I am not liable for a debt to a company I've never had a contract with. The false information on my report is unfair and I've already explained to the bureaus and ALDOUS representatives about this matter. Please help me figure this out.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 



Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 

Please investigate if every piece of information is correct. If not, please remove it from my credit report. 



XXXX. The inquiry was not authorized XXXX  XXXX Date of inquiry : XX/XX/2023 Delete this account. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2023 Delete this account. 

XXXX. 15 US-CODE 16921 XXXX XXXX XXXX Account Number : XXXX Delete this account. 

XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 

XXXX. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX Account Number : XXXX Please remove this non-compliant account from my credit report per FCRA and FCBA 6 . 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX Account Number : XXXX Delete this account. 

7. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX Account Number : XXXX Delete this account. 

XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I dispute the following information Truist supplied to XXXX, XXXX and XXXX. The XXXX account shows as Derogatory for 30 days in XX/XX/XXXX. 
This item on this account is inaccurate because this loan was transferred from XXXX XXXX XXXX to Truist Bank, effective XX/XX/XXXX and Federal law states Truist can not treat payments received on time by the original servicer ( XXXX ) as late during the first 60 days after the effective date of the transfer ( XX/XX/XXXX ). This information is also stated in the Truist welcome letter ( see enclosed welcome letter ). 
On XX/XX/XXXX I closed on the mortgage loan with XXXX XXXX XXXX and set up automatic payments to XXXX to start XX/XX/XXXX in the amount of {$3900.00} per the enclosed XXXX  First Payment Letter and Payment Coupons. XXXX received the first payment on XX/XX/XXXX, which is within the allowed grace period, and forwarded the XXXX payment to Truist. Truist received the XXXX payment on XX/XX/XXXX from XXXX and treated it as 'unapplied funds '. 
XXXX received a XXXX payment on XX/XX/XXXX and forwarded on the payment to Truist. XXXX called me and informed me that I had a new servicer and new place to send payments. I was given the number to contact Truist. On XX/XX/XXXX I called Truist to get my account information and to update my mailing address. 
As can be seen in the account notes, I spoke with XXXX and she confirmed two amounts had been received from XXXX but they were not applied to the loan correctly and were considered unapplied funds. We determined the payment amount had increased with the loan transfer based on an increase in the home owners insurance premium. 
On that call on XX/XX/XXXX, I made a payment over the phone in the amount of {$650.00} to complete the two full payments, {$320.00} to be added to the XXXX payment and {$320.00} to be added to the XXXX payment. As of XX/XX/XXXX the account was up to date. 
I have requested numerous times that Truist Bank have the derogatory item removed as Federal law states Truist can not treat payments received on time by the original servicer ( XXXX  ) as late during the first 60 days after the effective date of the transfer ( XX/XX/XXXX ). Additionally, Truist states on the website : You will not be charged a late fee for 60 days, and we will not report your account as delinquent to the credit reporting agencies during the first 90 days following your loan transfer. 
Truist reported my account in XXXX as 30 days past due which does not comply with Federal law or the Truist policy for mortgage transfers and this has wrongfully impacted my credit. 
I have and can provide copies of the derogatory item on my credit report, the XXXX First Payment Letter and Payment Coupons, the record of payments made to XXXX, the Welcome Letter I received via email on XX/XX/XXXX, the Truist 90 day mortgage transfer policy, the legal statute of mortgage servicing transfers, and Truist account statements from XXXX, XXXX & XXXX showing the payments received but unapplied which support my request.
Product: Credit reporting

I recently sent Equifax a certified letter requesting an update to my current address. With the certified letter, I included a copy of my drivers license and soc sec card. I just received a conformation letter from them letting me know that they had completed the changes. The problem is they made the changes to someone else 's credit file. My name is XXXX. The person who 's file they updated is XXXX. How does this happen, considering I included two forms of ID with my letter. I can assure you that I do not and have never gone by the name XXXX. Also, the former addresses which were removed are not, and have never been associated with me or my name or social security number.
Product: Credit reporting or other personal consumer reports

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am XXXX XXXX permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRIES INCLUDED IN DISPUTE TIED UP TO POSITIVE ACCOUNTS EXXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I subscribe to XXXX XXXX, a credit report monitoring company. For the past year, they have told me that XXXX and TransUnion consistently report my XXXX XXXX FICO score as between XXXX and XXXX. In XXXX, XXXX, both agencies reported that my score was XXXX. Additionally, I have several accounts with XXXX XXXX  and they also reported that my score was XXXX. I then went buy a car. 

According to the car dealership, XXXX XXXX XXXX, who shared my FICO score with me, the XXXX XXXX score that they received from XXXX was only XXXX. While that is still not a terrible score, it is significantly lower than was previously reported to me and probably affected the loan rate that I received when I purchased my car. In fact, XXXX offered me a terrible loan. I received a loan rate through the car dealership that was not what I thought it should be, but I was able to negotiate it down a bit before completing the deal. 

When I contacted XXXX and XXXX XXXX, they both stated that there are numerous credit scores that are generated and shared, but neither business could explain the XXXX point discrepancy. XXXX XXXX blamed XXXX. If a person 's credit score is generally dramatically different than is reported to them, what good is receiving a score in the first place? It is used by both XXXX and Credit Karma to make the customer ( me ) believe that the credit card or loan that they are offering is based on better credit than is actually the case. That is blatantly fraud!
Product: Checking or savings account

PNC bank stole my money on XX/XX/XXXX at XXXX. Check was cleared in the morning and took the money at XXXX without an reason. The person who gave me the check told me that their check was cleared on their end. PNC has not explain to me why the money was stolen from my account. Check was set as return but they have no idea where the money was returned to. I want I full investigation because i feel as this bank has been taking my money without any reason why. I cash a check in without any problem and deposit half the amount.
Product: Credit reporting or other personal consumer reports

I have not supplied under the doctrine of estoppel by the silence, Engelhardt v. Gravens ( mo ) 281 SW715,719. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. ( please remove these accounts before I seek litigation for defamation of character ) XXXX XXXX  balance {$15000.00}, XXXX XXXX balance {$12000.00}, XXXX XXXX balance {$0.00}.
Product: Credit card or prepaid card

I got a Best Buy store credit card back in  XXXX , and recently, it has come to my attention that  Citibank  has been fraudulently and unlawfully enriching themselves by charging me monthly " debt protection '' fees under the name of  XXXX   XXXX   XXXX , and   XXXX   XXXX   XXXX   and other possible aliases they 've deceptively been using to swindle money from their consumers. I never agreed to or was aware of this fee. In  XXXX , the CFPB found  Citibank  guilty of this exact same claim. As a result  Citibank  had to pay millions of dollars in penalties/refunds to the customers of Citibank as well as to the bureau ; however, I was not  one  of those customers who received a refund. Since  XXXX ,  Citibank   (  Best Buy store credit card ) has been consistently charging monthly fees to my account. My most recent statement being from  XXXX   XXXX ,  XXXX  still continues to show this fee, in the amount of {$22.00} as " enhdebtprot ''. The attached documents show the fee dates back to  XXXX   XXXX . This is the earliest statement available to me on Best Buy 's credit site. I called  Citibank  Customer Service department on  XXXX   XXXX ,  XXXX  and asked for my statements dated before  XXXX   XXXX  ; although, they notified me, it would take up to a month to receive those. The past few years, I have opted for paperless statements, as well as singed up for an automatic payment plan, therefore, I do not have access to previous statements other than what is listed online.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of certain adverse credit information from my credit report. As a victim of XXXX XXXX, specifically debt bondagewhich falls under XXXX as defined by the XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 and 1002.142 ( b ) ( 7 ) I have incurred debts that are a direct result of this criminal activity.Per the guidance from the Consumer Financial Protection Bureau XXXX CFPB ), I am providing a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX to Section 605C of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), credit reporting agencies are required to block and remove any adverse information resulting from XXXX XXXX within four business days upon receipt of sufficient documentation. Furthermore, 12 C.F.R. 1022.142 mandates the immediate removal of such information. I have provided all necessary documentation, including a victim determination letter in accordance with 12 C.F.R. 1022.142 ( b ) ( 6 ). As only two forms of documentation are required by law, I trust that the enclosed materials suffice for this request. I also request the immediate removal of any negative accounts linked to my credit profile, written confirmation of these actions, and assurance that the negative information will not reappear on my credit report in the future that resulted from XXXX XXXX
Product: Money transfer, virtual currency, or money service

I received a text message alert from U.S Bank fraud on XX/XX/22 with someone who said they were a U.S bank employee had the last XXXX digits of my card, last four digits of my SSN and the city I lived in. Stating someone had used my card in a different state at a XXXX XXXX for the amount {$460.00}. Then they said someone was trying to get money from XXXX for {$2800.00}. They told me a confirmation number they were investigation that turned out to be a phone number. It was not a confirmation number the person was not from U.S bank. I tried to call the number but was not a valid number. I checked and the money was gone. I called U.S bank Fraud and they said they would open a case. My wife had a concern about the checking account being comprised went to the branch and they were rude to her about opening a new account and freezing the old account. I have had issues trying to get the issue resolved with the U.S bank fraud department. The branch open wrong case. It was opened as a dispute not a fraud case. The branch also promised a provisional credit which was is accurate. The branch also didn't close my cards linked to the comprise account. Also the police department asked for a fraud affivate but the bank gave us a indefinitve agreement asking us to waive our rights for any fraud actions.
Product: Credit reporting

I have requested a hardcopy of my credit report both by phone and online, still have not received anything
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, Dept of Education/ XXXX XXXX XXXX XXXX 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: Consumer Loan

unable to pay my loan to One Main Financial, ive told them verbally to do not call me and sent them certified letter stating that also, they continue to keep calling my work and im at risk of loosing my job,
Product: Debt collection

Three collection accounts were reported to the 3 credit reporting agencies, since 2018 ; reporting false information that is mathematically incorrect and fraudulent. The company reporting accounts has a reputation. I have disputed the accounts numerous times over the last XXXX  years, and although both XXXX and XXXX XXXX XXXX were involved with data breaches, releasing millions of peoples personal information. The information being reported by XXXX, XXXX, and XXXX doesnt make mathematical sense, literally. The collection agency continues to report false information each time it updates the bureaus. It is close to XXXX years now - and they will not remove the false information. XXXX, XXXX, and XXXX need to be held accountable also. It is illegal for these agencies to report information unless it is 100 % accurate ; they are not part of the Brand of Family- so they should not be sharing my information.
Product: Checking or savings account

Capital One has held our direct deposit for over 48 hours and has provided no explanation to us directly despite contacting them multiple times.
Product: Debt collection

XXXX XXXX account Account number XXXX Balance of {$1500.00} I did not authorize this account and I did not authorize charges accumulated This account needs to be remove from my credit file immediately Based on, 15 U.S. Code 1681 B- Permissible purposes of consumer reports subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other 15 U.S. Code 1681C-2- a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It's been more than 30 days and you as the credit reporting agencies are in VIOLATION of this law because I am a victim of identity theft
Product: Credit reporting, credit repair services, or other personal consumer reports

I have wrote dispute letters several times for experian to remove accounts inquiries addresses and job and they always respond 30 days saying verified when E Oscar and these alleged creditor are not factual proof of verification I have wrote laws that's they are supposed to abide by but for some reason they don't mind breaking the law for instants I the consumer has the right to privacy so why is experian reporting my information without my permission which is also identity theft and all my consumer credit transaction should be private but your company illegally reports it cause alleged creditor pays them to report information to help undermine uninformed consumers 15 u.s.c 1681 state 's how what's this company should report and not report which they do willfully and knowingly which has cause me a financial ingury
Product: Debt collection

I received an initial notice from  MCA Superior Collections  dated   XXXX     advising me I had 15 days to respond before derogatory credit reporting was done. Nowhere on the notice did MCA indicate or imply I had the right to dispute the debt 30 days from receiving this initial notice. Despite the company 's noncompliance I responded with a request for validation of debt dated   XXXX   ( which was in the allotted time I was advised of ) requesting agreement that bears my signature amongst other documents validating the alleged debt and this company was unable to provide me with any. In response to my letter they did provided me with a bill but no specifics. The blatant disregard to my request leads me to believe they are not taking this matter seriously and I am thinking of contacting a consumer attorney if my concerns are n't addressed expeditiously!
Product: Vehicle loan or lease

Was charged extremely high interest rate of 24 % in state of california.It is practicing predatory loan charges and internal scores.I bought a vechicle through XXXX price XXXX.put XXXX down .They financed me through Santander consumer.The car was aXXXX in which I purchased in 2020 I have been making payments every month.What started as a XXXX loan is still a XXXX loan.
Product: Bank account or service

I responded to a letter I received from capitalone360.com offering ( among other amounts ) a {$500.00} credit to a newly opened savings account with a {$50000.00} deposit. I tried unsuccessfully to accomplish this on their website. So I called them and was walked through the steps to, supposedly, insure it would n't happen again. I gave them my account number at XXXX to use to transfer the {$50000.00}. Then I got an email from them stating that to accomplish the transaction, ( from the email now ) : " Hang tight. Within 2 business days Capital One 360 will make XXXX or XXXX small test deposits ( each less than {$1.00} ) into your personal checking account. 
Check your account for the test deposit ( s ) by calling or visiting their website. 
Once you know the amount ( s ), both you and your joint holder must sign in to capitalone360.com. 
Click the 'External Accounts ' tab, select 'Unconfirmed ', and enter the amount ( s ) on the next screen. '' ( end email ) These test deposits did n't occur and, in a few days, I got this email from capitalone360.com : " We wanted to let you know that your recent electronic transaction was returned by your external financial institution. We adjusted your Capital One XXXX account accordingly. If you have any questions about the returned transaction, please contact your financial institution. You can also sign in to capitalone360.com to review your account information online. '' ( end email ) When I contacted XXXX via online " secure message, '' I was told there never was any attempt from capital one to deposit funds in my account, nor was there a record of them attempting to transfer the {$50000.00}. Bottom line is that I feel like XXXX XXXX have thwarted my attempt to take advantage of their offer because demand for the " free money '' was so great. The letter I received in early XXXX I believe, stated I had until the end of XXXX to take advantage of this offer. I did n't begin my efforts to open the account until XXXX XXXX so they would already have had several weeks to accept ( or reject ) others efforts to take advantage of the offer and realize the high demand. Have you had any other people complain about this? Regardless, I would appreciate your investigation into the matter.
Product: Checking or savings account

I put my settlement check into my account on the 31st. Try to use my funds the next day because they are available and it was a legit check for my legit accident and ever since I put this check in my account I have problems with Citibank. they have locked up my account even after the check was cleared. Ive been told multiple things I even went to Citibank today and they told me everything was fine to wait a few more days by the time I got home I had no reasoning and I have a lot of money in the account which is my money
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted a dispute letter to all three credit bureaus informed them that information that has been reported as on XX/XX/2022 from XXXX loans reporting fraudulent activity on my credit report. I advised them to investigate and delete this incorrect information being reported it is still showing on my credit report.. It is a company XXXX XXXXXXXX XXXX XXXX is still reporting and has a old account that is still showing should be deleted it keeps reappearing on my credit report it has been passed a 7 year mark, and it should be deleted off my credit report. 

I have also mailed identity that report and had it notarized along with the dispute to the credit bureaus certified mail I have also attached the postcards that I received that they did receive the information. 

Remove the fraudulent information 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 past 7yrs it outdate in should not be reporting.
Product: Student loan

Today, XX/XX/ 2019 I was notified that my credit scores had dropped significantly. I found on my report 3 of the same loan, just in different amounts, from nelnet on my credit report as missed payments for 90  days. My school loans are all deferred and should NOT be on my credit report at all and should not show up as three different occurances, which lowered my score even more. If my school loans are deferred, they should not be on my credit report at all and not on three separate statements. I re-submitted all of my information through nelnet to show my school loans as current but they stated they cant take the marks off my credit report!!! They need to be taken off since they should not have been on there to begin with!