23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  reported me delinquent on payments due to the amount being lower than an increased monthly mortgage payment that had not been communicated to me in an effective manner. Additional delinquent fees were added and not communicated causing unapplied mortgage payments and additional fees. XXXX Bank reported me delinquent to Credit Agencies and my score was lowered by XXXX points. 

Note : All of this occurred within the 60 day grace period after the transfer of my mortgage to XXXX XXXX. 


XXXX XXXX XXXX  acquires my mortgage ( XXXX XXXX XXXX XXXX XXXX XXXX Ma ) XX/XX/XXXX - I received a notice of low payment and began engaging XXXX XXXX  customer service in order to sort out the problem. 

XXXX XX/XX/XXXX - I continued trying to work with customer service with no resolution or even learning exactly what the problem was XX/XX/XXXX - After working with customer service, I was under the impression that all accounts were settled and up to date. 

XX/XX/XXXX - I learned that my credit took a major hit. Engaged customer service again and was told to dispute the issue by sending a fax ( see attached document ) XX/XX/XXXX - I learn that my credit score has decreased by XXXX points. I called customer service and they told me there's nothing I can do because the bank rejected my dispute. 

If more detail or documentation is required, please let me know.
Product: Debt or credit management

I paid the amount in full and the balance on my credit report still have the balance showing up as unpaid. They flagged my account in collections even after making the payment in full because of that my credit score decreased. I am attaching all the documents and I requested them to report accurate information to the credit bureaus and they failed to do so couple of times. Flagging my account which was paid in full as collections doesn't make any sense and its against the FCRA law. I am willing to sue them if they don't delete it from my file.
Product: Checking or savings account

On XX/XX/2023 at XXXX I attempted to withdraw {$20.00} ( plus XXXX fee ) from an XXXX operated ATM at XXXX XXXX in RI. I received a card not authorized error. No money was dispensed. I checked my current account and noticed the transaction was processed and my account debuted. I contacted XXXX who stated that no money was dispensed because current declined the transaction. I contacted current who stated I needed to file a dispute. I did so that night. No provisional credit was issued. I was told I would. I checked back in with current tonight who said dispute had been investigated, which included contacting atm vendor, and it was closednot in my favor. I contacted XXXX again who verified transaction was declined and that they were never contacted by current. Im also asking that all out of network fees be reimbursed for this transaction and any other. This is my second complaint regarding dispute issues with this institution. Previously they had not resolved a dispute within 90 days. CFPB assisted XXXX resolving my complaint.
Product: Debt collection

I did not authorize those companies to run my credit. Or report on my credit a debt I do not owe to them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I started an account with Capitol 1 and a XXXX XXXX dollar credit limit. I linked the payment directly to my XXXX bank account for withdrawal, and made the payment manually online prior to the thirty day mark on XX/XX/2018. 

The money was removed from my chase account, and I recieved a transaction number and a confirmation that my bill was paid. 

I logged on today, XX/XX/2018 to pay off this months balance. I was shocked to find myu account closed due to non-payemnt. 

I contacted the company, informed them of my confirmation number and the money being removed from my account, and they told me they were correct in shutting down my account. They further told me that they had allready reported the closure to finanacial credit institutions, and I should take up the matter with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

As I investigated my credit report, I found out that some of the informations are erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please correct the unverifiable accounts below : XXXX XXXX XXXX Balance Owed : {$1000.00} ; XXXX XXXX XXXX Balance Owed : {$5300.00}.
Product: Credit card

for some reasons my payment returned unpaid the company Capitol One Didn't send me text or email notifying about returned check there email in the file is incorrect and failed to contact by text or phone. Reported 30 late to credit buerau, should be removed and reported current seen they received payment after second attempt to whitdraw from my checking mounts later.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT XXXX  and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I bought two item on XXXX. I asked my bank to wire transfer on XX/XX/year> at XXXX, I then realized I was being scammed at XXXX on XX/XX/year> I contacted XXXX XXXX XXXX XXXX to reverse and stop the wires from going through. Then I attempted to call both receiving banks to let the know that this was a scam and not deposit the funds in the accounts. I had no luck talking to the banks and they would not discuss because I wasnt the bank and didnt have an account with their bank. I then reported this to the FBI and state bureau of investigation. The wire was {$24000.00} going to JP Morgan, Chase Bank, wire number XXXX.
Product: Debt collection

XXXX  CONTINUES TO PUBLISH THE FOLLOWING INFORMATION EVEN AFTER I INFORMED THEM THAT THIS WAS DUE TO IDENTITY THEFT WITH SUPPORTING DOCUMENTATION FROM THE USPS POSTAL INSPECTION SERVICE CRIMINAL INVESTIGATIONS DIVISION AND A SIGNED AFFIDAVIT FROM A  USPS EMPLOYEE NOTING THAT SEVERAL HEALTH INSURANCE AND SOCIAL SECURITY CARDS WERE ORDERED NOT BY ME AND SENT TO MY XXXX XXXX  XXXX, XXXX XXXX MI XXXX. THE ACCT # IN QUESTION ON MY XXXX  CREDIT REPORT IS : AMERICOLLECT INC. I ALSO EXPLAINED TO THAT COMPANY THAT A COURT ORDERED CONSERVATOR NAMED XXXX XXXX, A LAWYER WITH LAW OFFICE OF XXXX XXXX, WAS ASSIGNED TO ME AND FORWARDED ALL MY MAIL AND TOOK OVER ALL FINANCIAL MATTERS AND THAT I NO LONGER HAD ANY CONTROL OF MY FINANCES AND THAT INQUIRES WERE TO BE DIRECTED TO HIM. THIS CONSERVATOR MISMANAGED MY ACCOUNTS AND REFUSED TO PAY ANY OF MY CREDIT CARDS RESULTING IN ALL OF THEM BEING CANCELLED EVEN THOUGH HE HAS BILLED THE COURTS AND MY ACCOUNTS WITH HIS FEES FOR PAYING AND REVIEWING MY CREDIT CARD STATEMENTS. MY CREDIT IS IN A WRECK FROM MISMANAGEMENT AND USED TO BE IN THE 720 - 780 RANGE. SINCE I WAS NO LONGER RESPONSIBLE FOR FINANCIAL ISSUES OR DECISIONS FOLLOWING THE APPOINTMENT OF A CONSERVATOR AND LOSS TOTAL CONTROL OF THE ACCOUNT, I SHOULD NOT BE HELD RESPONSIBLE FOR CHARGES INCURRED OR CHARGED BY HIM AND THIS SHOULD BE REMOVED FROM MY CREDIT REPORT. AMERICOLLECT INC {$210.00} Account Details Last Reported Collection Agency Original Creditor Status Opened Date Closed Date Responsibility Balance High Balance Remarks XX/XX/XXXX AMERICOLLECT INC XXXX XXXX XXXX XXXX Open XX/XX/XXXX -- Individual Account. {$210.00} {$210.00} Consumer disputes this account information Medical
Product: Credit card or prepaid card

As we deal with this pandemic, and money is tight, I was attempting to use my card, Care Credit from Synchrony Bank, only to find out my account was closed. I have no outstanding balance and never missed a payment. They just randomly closed the account on XX/XX/2020. My concern is that this was a calculated plan to ensure people do not use their card during this crisis.
Product: Credit reporting or other personal consumer reports

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX. Account # : XXXX XXXX. Account # : XXXX XXXX XXXX. Account # : XXXX XXXX  XXXX XXXX. Account # : XXXX XXXX. Account # : XXXX XXXX. Account # : XXXX XXXX. Account # : XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
Product: Credit reporting or other personal consumer reports

Random company started contacting me who I have no contract with and I requested proof of and validation of debt, no consent to report. Have been calling me after I notified to them of me being at work and they still continue to call and text me. Please delete from my credit profile
Product: Credit reporting or other personal consumer reports

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Product: Debt collection

I had an account with XXXX in XXXX. I closed the account and switched to XXXX and was with XXXX for the following 15 years. I started receiving calls from XXXX and then from a debt collector stating that I owed {$660.00} for air waves which are devices placed in a home to increase cell service. They stated that I had had an account with XXXX from XXXX-XXXX. I was very clear that I closed my account with XXXX in XXXX and they could see that my contact information on file was from XXXX ( a college email account- I graduated from college in XXXX ). I disputed the account in its entirety and was told it was a common issue, when a customer closes an account but it doesnt get closed and someone else uses it. I didnt hear anything for one year, then received another collections call. I went into my local XXXX store to inquire as to the legitimacy of the call and was assured that there was no account on file and the collections call sounded like a scam but was advised to call their 800 # to confirm. At the 800 #, I was told that there was a closed account, which should be the case since I closed it in XXXX, but the rep told me that since I couldnt give her the account password, she couldnt tell me any details, and none of the contact info on file belonged to me. My credit report updated today and it says I was reported to collections and it is now on my credit! I have never had a collection, my score was over 800, and I have not had a XXXX account since XXXX at which time I closed it. I never had an air wave when I was with XXXX, either!
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information on my Credit Report. 
Collection Creditor : LVNV FUNDING LLC Original creditor name XXXX XXXX XXXX XXXX XXXX XXXX Amount : {$750.00} ( Reason for investigation : Not Mine. Please Un-verify & delete this information ) Collection Creditor : XXXX XXXX XXXX Original creditor name : XXXX XXXX XXXX XXXX XXXX XXXX  Amount : {$720.00} ( Reason for investigation : Not Mine. Please Un-verify & delete this information ) Creditor : XXXX XXXX XXXX ( Reason for investigation : Not Mine. Please Un-verify &  delete this information ) Creditor : XXXX XXXX XXXX  ( Reason for investigation : Not Mine. Please Un-verifXXXX & delete this information ) Creditor : XXXX XXXX XXXX ( Reason for investigation : Not Mine. Please Un-verify & delete this information ) Creditor : XXXX XXXX XXXX ( Reason for investigation : Not Mine. Please Un-verify & delete this information ) Creditor : XXXX XXXX XXXX XXXX XXXX XXXX   ( Reason for investigation : Not Mine. Please Un-verify & delete this information ) Creditor : XXXX XXXX ( Reason for investigation : Not Mine. Please Un-verify & delete this information ) I understand that mistakes happen but your inaccurate information is costing me money in higher interest rates and I have enough expenses as is. 

Thank You Sincerely yours,
Product: Checking or savings account

On XX/XX/year>, I received an email from Truist stating that I needed to confirm a XXXX  transaction in the amount of {$1700.00}. I did not authorized this transaction from my account. There wasn't anything I could do with this email so I immediately called the bank and was transferred to a the fraud department for XXXX. I could not file a claim as of yet because the transaction was pending. They also lock my account and I was advised to open a new account. On XX/XX/year>, I visited a local branch and was able to open a new account and was also told their was nothing they could do because the transaction was pending and I had to wait until transaction was processed. This transaction was taken from my account through the act of fraud through XXXX  in which I do not have an account with XXXX. On XX/XX/year>, I filed a complaint with the fraud department because the transaction had been processed. I called the fraud department back on XX/XX/year> to get a status on my claim number XXXX and was inform that my claim was denied for their reasons for I didn't understand. Why would I authorized {$1700.00} from my account to through XXXX when this is all that I had in funds. The funds were sent to Money sent to : XXXX XXXX ( XXXX ) Amount : {$1700.00} From account ending in : XXXX Payment ID : XXXX as shown in confirmation email from XXXX don't know these people and no one else has access to my computer nor to my checking account. This was transacted fraudulently. When I wanted to stop this transaction on same date, why was it not stop then? It should not have gone through when I called to confirmed that it was fraud. Now, my funds are out in cyber space to no availability to me. Are you people able to locate these people to retain my funds? Please advise as this transaction was done fraudulently and I was coldly told by a supervisor by the name of XXXX from the fraud department that nothing else was going to be done. I personally don't think that it was thoroughly investigated and she nor the customer service knew how to handle calls from the fraud department.
Product: Credit reporting or other personal consumer reports

A FCRA violation refers to a violation of the Fair Credit Reporting Act ( FCRA ), which is a federal law that regulates the collection, dissemination, and use of consumer credit information. Federal law requires that consumer reporting agencies ( CRAs ) follow reasonable procedures to ensure XXXX  % accuracy of the information contained in their credit reports.If a consumer suffers damages as a result of a FCRA violation they may be entitled to bring a private lawsuit against the CRA and recover actual damages, statutory damages, and attorney 's fees. These accounts listed on my letter is not XXXX  % correct and i demand them to be investigated completely.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to 15 USC 1681i ( a ) ( 1 ) ( A ) XXXX, XXXX, and Equifax Have violated my rights Due to the fact that they have misreported multiple things on this account ( XXXX ) which include the wrong account number, and the date opened.Account was previously disputed and nothing was done according to 15 USC 1681i ( a ) ( 1 ) ( A ) XXXX, XXXX XXXX and Equifax Have violated my rights due to the fact it has been already 30 days
Product: Credit reporting or other personal consumer reports

I have uploaded and sent letters for proof for account never late and paid in full closed. I have asked for response from companies reporting agent in form of a letter with company header. I have not received anything but items will remain on credit report and the response comes within XXXX. After asking for representative reporting and specific detail of explanation. In written form of a letter bearing the representative signature. Bankruptcy was not reported by courts. It's is personal information that was paid for from thrid party. My Bankruptcy was never in XXXX colorado. And I asked as well please remove cause location is filed wrong and called the courts and sent letters in from court explaining they do not report to to any credit bureau. In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 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 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, my name is XXXX XXXX XXXX XXXX. I am writing to delete the following information in my file. This issue is giving me an extremely hard time trying to get a house. The items are listed in the report. I am a victim of identity theft and did not make the charges. I ask the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible please and thank you! 

XXXX XXXX XXXX
Product: Credit card or prepaid card

I was sent an inactive card by US Bank Reliacard. I have been told multiple lies by representatives of this institution. I was told that they put a freeze on my card on XX/XX/XXXX. After weeks of being told that I must call unemployment or the XXXX treasury dept, I reached a " tier 3 '' representative at this " bank ''. I was informed that for unknown reasons, my account had been " restricted ''. They asked that I send in a copy of my ID, SS card, XXXX, and W2. All of this information was faxed on XX/XX/XXXX, as well as XX/XX/XXXX. After calling again, I was informed that they received my information and may take 24-48 hours to review it. After 48 hours, I called and was told that it may take up to 5 days. Now its been 8 days, and I'm being told that it may take an additional 15 days to process. I didn't get a chance to activate the card before they put a hold on the account, so I don't know of any possible fraud that may have occurred, and they can not give me a reason either.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX I noticed a hard inquiry on my XXXX credit report from CREDIT TECHNOLOGIES IN. I did not authorized my credit report to be pulled by this company. I am requesting that its removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Last XX/XX/2018, I sent this company a copy of my FTC ID THEFT REPORT, a copy of my dispute letter requesting them to remove erroneous accounts due to fraudulent account opened on my credit report. On the letter I sent to this company, I quoted the stipulations of FCRA 605B which state that " a reported fraudulent accounts, with proper required documentation, MUST be removed within 4 business days upon receipt ''. First and foremost, the company took more than the required time to remove a fraudulent reported account from my report. And then to my surprise, this company continues to report this fraudulent account. For yet another time, my FTC report attached clearly shows this fraudulent accounts which I need to be deleted asap : XXXX ACC # XXXX XXXX XXXX XXXX ACC # XXXX XXXX XXXX XXXX XXXX  ACC # XXXX XXXX XXXX  ACC # XXXX XXXX XXXX ACC # XXXX   XXXX XXXX ACC # XXXX XXXX XXXX XXXX XXXX ACC # XXXX XXXX XXXX XXXX ACC # XXXX XXXX  ACC # XXXX XXXX XXXX ACC # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACC # XXXX XXXX XXXX XXXX  ACC # XXXX XXXX XXXX XXXX  ACC # XXXX XXXX XXXX XXXX ACC # XXXX XXXX XXXX ACC # XXXX. Am looking at legal proceedings if this company does not delete this fraudulent accounts from my credit report. Attached here with the earlier dispute I sent to this company and my FTC report.