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

I recently obtained a copy of my consumers credit report from your bureau and hereby dispute the completeness and accuracy of this information. This information is injuring my consumer report and I request that you correct this information immediately. The information I am disputing mention below : XXXX XXXX. 

I assume XXXX  days is a reasonable amount of time for your investigation. After your investigation, please provide me with an updated credit report as well as the names, addresses and telephone numbers of the individuals that have been contacted.

I insist that you cease reporting this account as late on my credit report immediately. Failure to comply with this request may result in legal action being taken against your agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of XXXX I noticed that Bankruptcies ( 3 ) were being reported on my credit reports. I contacted each crediting agency and disputed these incorrect negative items that XXXX - XXXX XXXX XXXX XXXX and other credit reporting bureaus were reporting on their accounts that they held under my name & social security number. I was informed of that this information of these 3 negative items was being reported to these credit reporting bureaus by this company called LCI Consumer Center whom is owned or affiliated with Verisk Analytics / XXXX XXXX LCI . I was told that I could contact them for my report that they held, to get a credit report freeze & to dispute all incorrect negative information they had on me under my social security number. I sent a Certified USPS Postal Service letter to dispute these incorrect negative items from US BANKRUPTCY COURTXXXX of Bankruptcies ( Dated XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX ) that they were reporting on me to these credit bureaus on XX/XX/XXXX USPS Tracking # XXXX & a LCI Consumer Center Repersentative Signed for the letter on XX/XX/XXXX XXXX XXXX. After that I didnt not receive any response to my letter what so ever or my phone calls to there contact number ( XXXX ) where I left more messages than I could count to no response what so ever. I wrote a second letter on XX/XX/XXXX USPS Tracking # XXXX after more than 30 days had pass & even more tha 45 days had passed with NO reply to any thing ( My Calls or My Letter )!
Product: Credit reporting or other personal consumer reports

am writing to formally request the blocking and deletion of certain account and inquiry entries from my credit report due to identity theft. I am a victim of a recent data breach, and I believe the following account and inquiry were added to my report without my authorization. Under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I respectfully request that you immediately block and delete these items from my credit file to prevent further misuse of my information. 
Account to Be Blocked and Deleted XXXX. XXXX XXXX XXXX - Account Number : XXXX - Date Opened : XXXX XXXX - Balance : {$6800.00} Inquiry to Be Blocked and Deleted XXXXXXXX XXXX Date XXXX XXXX
Product: Credit card

We called Capiital One Bank at XXXX at XX/XX/XXXX on XX/XX/2015. We were asked question from the automated system including credit card number, social security number ( last XXXX ), security question, date of birth. After providing these answer we requested to speak to a 'representative '. The system responded that sorry we a closed, please call back during normal business hours. This seems wrong. We called back and were directed to someone in XXXX XXXX. 

We called a third time and spoke to several people at Capital One who did not understand the seriousness of information being provided to a department /organization that should not have my personal information. 

Further, when we called again, my wife spoke to someone who attempted to assist. They spoke a short while, and then handed me the phone. The Capital One employee, XXXX, then told me her name and said that we were on a recorded phone line. Interestingly there was no announcement to my wife about that the call was being recorded. 

We called again, and we recorded the phone call, the automated system DID NOT report that we were on a recorded line. We spoke to a representative who further DID NOT state that we were on a recorded line. We reported to the representative that we were recording their conversation. 

It is my understanding that when the Bank must state that calls are being recorded when they may be recorded. 

Our attempts to get someone from Capital One bank to be concerned over either issue was unsuccessful. 

We are concerned that : The Capital One Bank phone / computer system has been compromised and provides outsiders with personal information that could risk my identity. 

We are concerned that Capital One telephone banking does not provide information regarding when calls are being recording.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion 's skip-tracing product " TLOxp '' has been selling my personal data to a criminal operation running out of XXXX, GA using the pseudonyms " XXXX XXXX XXXX XXXX " XXXX '' and " XXXX ''. 

Transunion refuses allow me to block the sale of my personal data. Transunion refuses to disclose the actual identity of this customer and refuses to disclose all entities they've sold my data to through " TLOxp '' service. Transunion continues to sell updated data to this criminal and perpetuate a 2-year campaign of abuse and identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

I first contact Capital One regarding the issue when I received a credit monitoring alert from XXXX XXXX stating that there was a 30 day late reported on my credit report for $ XXXX 2020. I knew this was incorrect when I had just made a payment of {$81.00} for XXXX I looked into the matter immediately by contacting Capital One and speaking to one of their representatives to find out what the problem was. The representative stated even the payment was made on time I failed to make the whole payment that was due of {$96.00} vs. {$81.00}. The difference of {$15.00} was for late payment which I was not aware of. I always go by what payment is due on my Capital One app and the day I made the {$81.00} for XXXX that is what it stated. My monthly payment practice has been what is on my Capital One app and has been for as long as I have had the card. 

The Cap One rep explained to me to contact the credit report agencies and make a dispute through them. I did this and Capital One denied my request to change my credit report. 

I wrote them directly and asked them to change it and they denied that request also. 

I have included supporting documentation to support my claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

Numerous people have tried to use my personal information to obtain credit cards and automobile loans illegally!
Product: Checking or savings account

Wells Fargo has let multiple charges go through my account and charged me overdraft fees after multiple conversations to decline any charge made without the proper funds. I deposited a check on XX/XX/XXXX in the amount of {$3000.00} ( from a bank that they had previously received a XXXX check from and cleared with no issues ) to Wells Fargo to avoid further charges or overdraft fees. I made the deposit via the mobile app and after a not so great conversation with the level 2 call center regarding the unnecessarily long hold, the gentlemen proceeded to then reject my deposit causing me to have to physically go to the bank to make the deposit. I received a receipt stating a partial hold would be released on XX/XX/XXXX and the remaining on XX/XX/XXXX and that no further overdraft fees would incur. That was not true. I woke up to a notification that an additional 7 day hold was applied to my check from XXXX XXXXXXXX XXXX, for no reason and to more overdraft fees charged. I have called Wells Fargo call center multiple times today and received nothing but hostility as well as the Branch Manager locally. I called the local branch at XXXXXXXX XXXX  on XX/XX/XXXX and never received a call back. I then called again at XXXX XXXXXXXX  to get an update. They are saying they are unable to verify the funds, however they waited until XXXX PST to even call to attempt to verify the funds from an XXXX XXXX XXXX  XXXX They have told me there is nothing they can do and that I have to wait till XX/XX/XXXX. 

The way I have been treated by Wells Fargo in the years I have banked with them is disgusting. This last and final event that just occurred was the final straw. The complete disrespect and disregard for people is astonishing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2022 ; XXXX XXXX XXXX  XXXX Balance : {$13000.00} ; XXXX XXXX XXXX XXXX XXXX : {$100.00} ; XXXX XXXX  XX/XX/2022 ; XXXX XX/XX/2022.
Product: Credit reporting or other personal consumer reports

Please remove listed accounts the payment history is such obviously an error, personal info are old and never goes away
Product: Checking or savings account

My purse was stolen on XX/XX/2023 from a locked car that was left for XXXX minutes with the purse hidden. The US Bank fraud department was notified immediately on XX/XX/XXXX and was instructed to close my checking account and told that my driver 's license was stolen also. On XX/XX/XXXX US Bank opened a new checking account but did not properly close the old one or put proper alerts on it for the ID theft. On XX/XX/XXXX XXXX fraudulent checks for {$3200.00} each were cashed at a US Bank with the cash taken. On XX/XX/XXXX the new account was debited for the fraudulent checks. On XX/XX/XXXX I discovered this and reported it to the US Bank XXXX department. I have yet to receive compensation from US Bank for the {$6500.00} in fraudulent checks that were covered by my new account.
Product: Debt collection

Diversified Adjustment Service , Inc . 
XXXX XXXX XXXX XXXX MN XXXX Received notice that my " account '' with XXXX XXXX is in arrears in the amount of {$210.00}. 

Reference # XXXX Person named on the notice, XXXX. XXXX, has been deceased for 25 years. 

The account number on the notice is not an XXXX account number. 

I checked my bank records, and called XXXX to make sure my account is, and has been, current.
Product: Bank account or service

I submitted a claim on XXXX XXXX, 2015 about Santander Bank. I just returned to the U.S. from XXXX and received the letter they sent in response. In the letter it says they identified that I requested an " All Debit Opt-Out '' in XXXX 2015. However, the letter states that the request was not submitted for processing until XX/XX/XXXX. First of all, I requested a complete opt-out of any form of over drafting when I first opened the bank account, a few years before. After getting hit with a {$35.00} fee I went in to complain and was told it had been fixed. This happened a few more times, before the clerks I spoke with at Santander finally managed to set the Standard Overdraft Opt-Out. Secondly, the letter acknowledges that I requested the All Debit Opt-Out in XX/XX/XXXX, yet for some reason they did n't process that request until XX/XX/XXXX, but still held me responsible for the overdrafts that occurred during that period. Moreover, the letter states that an item may not decline if there were sufficient funds at the time the payment was requested, even if there no longer is by the time the payment is processed. This does not apply, as there were charges initiated on XXXX XXXX, XXXX, and XXXX XXXX that either pushed me into a negative balance or cleared after I was already over drafted by XXXX dollars or so. I was informed by a Santander representative that I should learn to manage my money better. On XXXX XXXX, 2015, over two months after Santander acknowledges that I requested an All Debit Opt-Out ( which, as aforementioned, I requested multiple times prior to that ), and two weeks after Santander acknowledges that they finally got around to submitting it for processing ( only after I sent multiple emails inquiring about what was happening ), I was told by a Santander representative via email that, " Your recollection of clearly stating no overdrafts may be becoming more clear in retrospect. '' I have included the claim I submitted before, as Santander 's response restated their policies without addressing my specific complaints. The closest they came was when they said : " In reviewing this matter we identified that you requested an All Debit Opt-Out for the account with our Oak Bluffs Branch in XXXX 2015. However, the request was not submitted for processing and only the Standard Overdraft Opt-Out election was on the account at the time the transactions were initiated. '' In addition to what I included in my previous claim, I would also like to know why the bank holds me responsible for something it took 2+ months to submit for processing. 


Case number : XXXX
Product: Credit card or prepaid card

This is a secure Discover credit card which I opened with a {$300.00} security deposit in XX/XX/XXXX. In XX/XX/XXXX, I filed for chapter XXXX, which resulted in Discover closing my card account. I contacted Discover around XX/XX/XXXX to inquire about getting the remaining balance of my unspent security deposit refunded back to me, approximate {$53.00}. I was told by Discover that I needed to wait for my discharge before I could get my money back. I again contacted them near XX/XX/XXXX and was told that they did not update their system with the discharge date and I would again need to wait again, since they just now did so. I again attempted to contact them today, and was told that they applied a balance to my card account in XX/XX/XXXX, and the statement closed in XX/XX/XXXX, and I would again need to wait. To date, it has been approximately 6 months that I have been waiting to receive the unspent balance of money that I gave to them last year, and they have done nothing but give me the run around whenever I call them.
Product: Checking or savings account

In XX/XX/XXXX, I received a direct mailer from KeyBank offering a {$400.00} promotional reward for opening a checking account. The promotion code on the offer was XXXX. The requirements were that I open the account before the end of XXXX, have one automatic deposit in the amount of {$500.00} in the first 60 days, and pay {$40.00} for membership in the rewards program. On XX/XX/XXXX I stopped by a local KeyBank branch in XXXX Colorado and opened a checking account depositing {$50.00}. The branch representative admitted he had never seen the offer previously. He made a copy of the promotional mailer I received and attached it to my account paperwork. 

In XX/XX/XXXX, I received an email from KeyBank informing me of what I need to do to earn a {$200.00} bonus. The amount and requirements were different than I had signed up for. I then contacted KeyBank via email to find out why the promotion changed and they proceeded to tell me I signed up for promotion XXXX and not XXXX. After elevating this issue, I was then contacted by the branch representative at the local branch in XXXX, Colorado and he assured me he had fixed the issue and that I should receive the full {$400.00} promotional reward 90 days after the automatic deposit hits. On XX/XX/XXXX, he also withdrew {$40.00} from the checking account to pay for the membership in the rewards program required under promotional reward XXXX. On XX/XX/XXXX, the first automatic deposit for {$500.00} hit the account completing the requirements for earning the {$400.00} promotional reward. 

On XX/XX/XXXX, after 90 days had passed since I completed the requirements for the promotional reward, I again contacted KeyBank to inquire into why I had not received the {$400.00} promotional reward. I again received the same response I initially received in XX/XX/XXXX. I had not signed up for promotional reward XXXX and I had not completed the requirements for receiving the {$200.00} bonus for promotional reward XXXX. At this point, I'm done with KeyBank. I believe they are running a bait and switch scam. Instead of receiving a promotional reward that I earned, I paid them {$40.00} for a lame rewards program. I intend on closing my account immediately. At the minimum, I believe they owe me {$40.00} as a refund of the rewards program I was tricked into joining. I would prefer to receive the {$400.00} promotional reward that I earned, but my health is important to me and I don't want to spend the next year fighting this bank. I have a feeling I'm not the first person that they've scammed and they probably have experience fighting these complaints. They should be shut down.
Product: Debt collection

I monitor my credit report via XXXX XXXX. I got a notice of my score decreasing and I checked my credit report and discovered that there was an account named Cybrcollect in collections on my credit report. I have no knowledge of what this is, nor did I apply for any credit or anything of such in years.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Company causing me stress is Trans Union. They keep reporting misleading and inaccurate information on my credit report. I noticed that the " date opened '', " payment status '' and " date of last activity '' where all different and wrong. I contacted TransUnion as well as the credit furnishing company for a consumer credit application which was signed by me and they could not produce one. I kept disputing all the debt and they continue to report all of the misleading information even though I had disputed it multiple times.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these Inquiries deleted or updated. These are the items I demanding to be deleted immediately : 1. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2021 As a consumer by law this account must be deleted immediately XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2021 As a consumer by law this account must be deleted immediately
Product: Credit reporting or other personal consumer reports

I am submitting this complaint against EXPERIAN regarding inaccuracies in my personal information as reported in my credit report. 


Details of the Dispute : 1. Incorrect Name : My current legal name is XXXX XXXX XXXX. 
, but it is incorrectly listed on my credit report. I request that my name be updated to reflect the correct information. 

XXXX. Outdated Address : My current residential address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida, XXXX, while my credit report shows an outdated address. I request that my current address be updated accordingly. 


XXXX. Incorrect wrong Employers : My credit report shows the wrong employer. Please update my employer. 

XXXX. Incorrect Date of Birth : My credit report shows the wrong date of birth. Please update my date of birth. 



Supporting Documentation : I have enclosed copies of supporting documents to verify the accurate information provided above, including : A copy of my driver 's license or passport displaying my correct name. 
A recent utility bill or bank statement showing my current address.
Product: Credit card

Citibank has charged me twice for a returned payment that should not have been returned. Nothing changed on the external account I was using to make the payment, and there were sufficient funds available. 

I called customer service after the first charge, and they told me to wait and call back. I did, and the issue still wasnt resolved. Then I was charged again for the same problem. 

Theres no valid reason these charges should have occurred, and Ive gotten no clear explanationjust delays and vague answers. I want both charges reversed and confirmation that the issue is resolved so it doesnt happen again.
Product: Credit reporting or other personal consumer reports

Improper inaccurate reporting.fraudulently XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove this inaccurate, untrue, incomplete, and non-compliant information from my credit report immediately This is a violation of the FCRA and is a sign of violation of required XXXX XXXX Compliance Reporting XXXX 
By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the XXXX enacted XXXX XXXX XXXX COMPLIANCE REULATIONS, I demand that these above-mentioned derogatory items be investigated and permanently removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX you must complete this reinvestigation within 30 days of receipt of this letter. 
I RECEIVED A COPY OF MY CREDIT REPORT AND FOUND THE FOLLOWING ITEMS TO BE ERRORS, OR ARE DEFICENT OF PROOF OF NOT BEING UNTRUE, INCORRECT, INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, OR ELSEWISE, NOT COMPLIANT, TO INCLUDE TO XXXX XXXX REPORTING STANDARDS.
Product: Credit reporting

I requested my credit score/history, and company could not find any credit history. They kept sending the same forms saying I was n't providing the proper information or wrong information.
Product: Debt collection

I'm trying to make a XXXX a month arrangement to pay XXXX  something dollars but they keep trying to make me pay a bigger amount threatening me if I don't the will size my bank account.
Product: Checking or savings account

I contacted the bank as someone reset my pin. I am traveling in XXXX for XXXX  months, they told they would send a pin, which took 2 weeks.I tried the pin, didn't work.I call again, say I am without any funds, and can't get in my account online either. They tell me to fly back the USA. Which is ridiculous! They finally give me, after requesting a supervisor, a number to reset pin. She says many people have been having problems with it not working. Doesn't work for me either. I have XXXX friends in USA try it for several days, Doesn't work! I now suspect fraud on my account, but Fraud can't help me because I have no pin. I am totally locked out now. No response to my emails and phone calls.
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX my bank ( XXXXXXXX XXXX XXXX  ) sent a payoff check to Prosper Marketplace on my behalf in the amount of {$22000.00} which was the balance shown on my credit report due to extremely slow updating by Prosper Marketplace. The check amount was greater than the amount owed on my loan. When I called Prosper Marketplace on XX/XX/XXXX to inquire why my payoff had not yet been applied to my account I was told by the agent that the creditor ( Prosper Marketplace ) has refused to post the check to payoff my account and cited it was an overpayment and was rejected. They have also stated they still have the check in their possession and will not be returning it to myself or my bank and that a new check needed to be sent to them for the correct payoff amount. My bank ( XXXX XXXX XXXX ) is stating there is nothing they can do until the check is retuned to them by Prosper Marketplace. Meanwhile I still have an open loan with Prosper Marketplace that is accruing interest and requiring monthly payments as well as an open loan with XXXXXXXX XXXX XXXX that is also accruing interest and requiring monthly payments and neither company wants to take responsibility for the {$22000.00} that is just out there that I have am being held responsible for payment of but have not received any benefit of the funds.