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

Disputed item from XXXX XXXX, last year and was removed from my credit report. The account was not mine. Disputed again, somehow it showed up on my credit report again, also asked for a Method of Verification and was ignored. I have no knowledge of this account. I had no Hospital visits in past years. This is not my account. I have contacted original creditor they can't prove it was my account. This account was disputed last year, and removed from my credit report. Showed up again. Under law the credit bureau is supposed to verify the account before it going on my credit report.
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. My name is XXXX XXXX, and I am writing to address significant concerns regarding billing errors on my accounts as per the United States Code, specifically TILA ( 15 U.S. Code 1666 ( b ) ).

Upon reviewing my credit report, I identified multiple billing errors falling under the provisions of 15 U.S. Code 1666 ( b ) specifically, ( 4 ) the creditors failure to reflect properly on a statement a payment made by the obligor, or a credit issued to the obligor; and ( 5 ) a computation error or similar error of an accounting nature of the creditor on a statement.

I am particularly disturbed to find discrepancies related to the notification period for statements. According to my understanding of the law, a creditor is required to notify me at least 21 days ( approximately XXXX weeks ) before a statement is due. This notification failure has led to unwarranted late payments on the mentioned accounts. I hereby request solid proof from your records that substantiates these alleged late payments. 

The following accounts have been adversely affected, and I insist on their immediate correction in my consumer report to reflect the accurate status as " paid as agreed '' : XXXX XXXX Account number : XXXX Late Payment Dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXXXXXX XXXX  Account number : XXXX Late Payment Dates : XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX Late Payment Dates : XX/XX/XXXX XXXX Account number : XXXX Late Payment Dates : XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX Late Payment Dates : XX/XX/XXXXXXXX XXXX XXXX XXXX Account number : XXXX Late Payment Dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX According to consumer protection laws, these accounts must be promptly updated or deleted from my report. Failure to do so will compel me to seek monetary compensation for the violation of my rights in small claims court under 15 USC 1681n civil liability.

Additionally, please be advised that a formal complaint has been submitted to the Consumer Financial Protection Bureau, State Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission. I trust that your prompt attention to this matter will help resolve these issues amicably. 

Sincerely, XXXX XXXX
Product: Debt collection

Allied Interstate LLC has called me numerous times from different numbers all different times of the day! They were looking for my elderly dad, XXXX XXXX who had XXXX ( not well ) and I am not giving them info. I told them he doesn't live here and to take me off their list! This hasn't stopped it!
Product: Checking or savings account

I have a checking account at XXXX XXXX XXXX. On XX/XX/XXXX, I wrote and mailed a check for {$7000.00} to the US Treasury to pay my estimated tax for first quarter XXXX. I mailed the check the same day. The check was cashed and the funds removed from my account on XX/XX/XXXX. In XX/XX/XXXX, after receiving a notice from the IRS stating my payment for XXXX XXXX had not been received, I discovered the check had been stolen and cashed by the thief. I reported the theft to XXXX, which told me the check had been cashed at a Wells Fargo branch. Furthermore, the check had not been properly endorsed by the IRS. In fact, it had not been endorsed at all -- the back of the check was blank. So, Wells Fargo had cashed a check written to a Federal agency without first determining that the check had been properly endorsed by that agency. This was negligence on Wells Fargo 's part. I asked XXXX to sort this matter out with Wells Fargo and was told that Wells Fargo claimed the fraudulent transaction never occurred, even though Wells Fargo had received the funds from my account via XXXX. I made a number of attempts to sort this out with XXXX myself. I called the Wells Fargo customer service line and was told there was nothing they could do as I was not a Wells Fargo customer. I went in person to the Wells Fargo branch in XXXX, California, where the customer service rep was extremely rude, refused to look up the transaction on the WF system, and even suggested I might be attempting a scam. I went to a second Wells Fargo branch in XXXX XXXX, California. The CS rep at that branch was much nicer and researched the matter as much as he could, but ultimately said there was nothing he could for me at his level, that the matter needed to be handled at the corporate level and that I needed to have XXXX reach out to Wells Fargo on a corporate level. XXXX has not been willing to do this. My complaint against Wells Fargo is that the bank was negligent in cashing a check written to a Federal agency without first determining that the check had been properly endorsed by that agency. Wells Fargo is responsible for this mistake and for taking steps to correct it, which it has not done.
Product: Vehicle loan or lease

XXXX sent in check for {$1900.00} XXXX XXXX as well XXXX sent a total loss check back in XX/XX/2019 and which payment should have been recalculated due to amount being paid to the financial institutions was more than 50 % of original loan balance. Santander is denying to making these adjustments and as a consumer I am being not treat with the respect and was advised from Santander they wore going to make adjustments and they have failed to do so.
Product: Credit reporting or other personal consumer reports

This is my six endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 XXXXXXXX XX/XX/2023
Product: Mortgage

Paying my monthly mortgage payment but company is placing funds in Suspense and reporting negative and false information to credit bureaus claiming I have n't paid 2 months mortgage payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

Today I reached out to XXXX as they dropped my credit score over deferred payment student loans! Deferred and current student loans are to have no effect on credit scores it plainly states that in student loan laws! I want my credit score redone taking those out of it! Thank you
Product: Debt collection

I HAVE A CREDIT MONITORING SERVICE AND GOT A ALERT AND THIS COMPANY XXXX XXXX XXXX XXXX, PUT IT ON MY CREDIT REPORT AND DID NOT SEND ME A LETTER IN ADVANCE AND AM WAS IN PROCESS OF TRYING TO BUY A HOME THE AMOUNT {$100.00} I CALL THEM THEY SAY THIS IS AND OLD ACC 6YRS I SAY I DONT KNOW OF IT THEY HAD ALREADY MESS CREDIT REPORT UP I SEND THEM A DISPUTE LETTER FOR THEM TO VALIDATION THE DEBT AND TO SHOW ME THEY HAVE RIGHT TO COLLECT IN STATE TX AND TO PROVE STATUTE LIMITATION EXPIRED AND OR THEY LICENSED IN MY STATE THEY DID NOT SEND THE INFO JUST A SNAP SHOT OF A BILL THEY TRYING TO COLLECT ON THEY DID NOT PROVIDE ORIGINAL SERVICE AGREEMENT WITH MY SIGNATURE ON IT
Product: Prepaid card

There was an unauthorized charge on my vanilla gift card. 

purchase date : XX/XX/2023 Amount : {$500.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is incorrectly reporting a charged off account where I am shown as an Authorized User on XXXX - partial account number XXXX. ( Please see pages 8 and 9 of the attached credit report. ) I have already the bank and let them know that I never gave permission to be added as an Authorized User to this account. This tradeline has been removed from XXXX and XXXX however, Equifax has not removed this from my report. I have contacted the two bureaus to fix this issue however, I have not been successful. This negative reporting is harming my credit score and this line item needs to be removed from my credit report.
Product: Money transfer, virtual currency, or money service

I bot Bitcoin in Coinbase. Before I deposit and buy Bitcoin. They never ask me document check. When I try to withdraw my money. They need me verify my ID. However, I tried to use my cell phone. My laptop, my desktop. My ID uploaded so many times, it is not working. They don't have physical address can solve the problem. Their chat is robot. Their tel number is robot too. They hold my money since XX/XX/2018 My point is if they can no allow withdraw. They can not allow deposit. They hold my money and extend the holding period. Now my money still can not withdraw
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act ( FCRA ) ; XXXX has violated my rights. On XX/XX/2021 there was an unauthorized inquiry. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C. 1681 section 602 A. States I have the right to privacy.

15 U.S.C. 1681 section 604 A. Section XXXX : it also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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 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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I sent out letters certified mail to each credit reporting agencies regarding the inaccurate and incomplete accounts on my consumer report. I have received responses from each of them stating that they have completed the investigation and everything as accurate. 

This is false because there a number of inaacuracies on my consumer report that still remain. 

They have failed to perform a proper investigation pursuant to 15 usc 1681 ( a ) ( 1 ) ( 5 ).

I am now requesting the description of the reinvestigation procedure pursuant to 15 usc 1681i ( 7 ). They have 15 days to respond the description or else above listed accounts need to be removed from my consumer report.
Product: Credit card or prepaid card

On XX/XX/XXXX, I made a {$5000.00} purchase from a company that was unable to fulfill the order. The company was not able to provide a refund and asked that I request it through PayPal. PayPal provided the refund and then later removed it and withdrew the funds from a linked credit card. PayPal has also limited my account that I've maintained faithfully since XXXX so that I can not use it at all. I have no history of problems with PayPal and am dumbfounded at their behavior.
Product: Credit reporting, credit repair services, or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to update the items which are erroneous and unverified.Their unfavorable and unacceptable actions have been hurting my credit scores immensely.Please see below the items I am concerned of : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry XXXX XX/XX/XXXX XXXX XXXX of inquiry : XX/XX/XXXX XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX
Product: Bank account or service

We had a false charge on my a/c. the bank charged overdraft charges. the actualcharge was reversed.but od was not. They levied more than {$100.00} in charge andmade the a/c negative.In the negative state a {$97.00} insurance charge was honored. 
Thus the total actual charge was {$97.00} and o/d charge was more than XXXX then theyadded anathor {$70.00} and closed the a/c. we have chased them for XXXX yrs to settle the a/cbut they claim to have sold it to XXXX XXXX XXXX. BUT XXXX does nothave the a/c. so what do i do.bank is non cooperative. But they have reported me XXXX for their charges
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2021, I attempted to get my free credit report from Equifax using XXXX. As soon as I'm redirected to XXXX, I get a browser error ( ERR_CONNECTION_RESET ). I tried with a different browser and it didn't work there either. ( XXXX and XXXX ) In general, even when the Equifax website does work, I get an error after doing the identity verification, where it says the Online Delivery is unavailable. I then have to request the report via phone, which is an annoying process. 

Also, oftentimes, when I select multiple agencies on XXXX, the session times out before I can get all my reports. This requires starting over and filling out the form again, which is very annoying.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently, XXXX reported a XXXX point drop in my credit in one day .they send me a report via e mail telling me that I had inquired from XXXX XXXX and XXXX on my report. Then told me I must send them money to upgrade how my credit is reported in order to remove them. 

Now I have a credit freeze on my XXXX account and and have not applied or asked for credit from any one. 

I also pay all my my bills as directed by my bankruptcy plan, and they know I can not keep being penalized by reporting that. 
I XXXX and XXXX XXXX collect money on their end and with the advent of Covid, family members are trying to connect and use those systems which have some how been captured by XXXX to put on my report, not for XXXX to go and double dip. Ancestry queries have nothing to do with credit reporting.. I use them too find out family members and locations, and I hope I not hurting people by verifying information on a heritage chart. 
XXXX knows medical information must be removed from credit reports this year and must find sone other gig to keep their company going at consumers expense. 

This practice is not fair, my job went bankrupt during this Covid stuff and many people have died. You can not charge people that are looking for family and make profit off their search. Like I said people have already paid, they are not creditors, XXXX needs to stop this practice or get out of the business trying to hurt people at the expense of the economy. I want all such inquires removed off my account immediately and to stop the shenanigans playing with my life. XXXX do right by your consumers
Product: Credit reporting, credit repair services, or other personal consumer reports

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. 

INACCURATE ACCUNTS : XXXX XXXX XXXX XXXX # XXXX - {$15000.00} XXXX XXXX XXXX XXXX # XXXX - {$16000.00} XXXX XXXX UNAUTHORIZED INQUIRIES PLEASE DELETE THEM ASAP!!! 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

Dear TransUnion I have one question? Why does your company continue to disregard the law when all Im trying to do is get this inaccurate information off of my credit report? You sent me an updated credit report stating the account was verified, but you did not tell me how. I read somewhere on the internet that your company use a computerized system called E-Oscar to process disputes. Is that correct? You dont call the creditors to verify this information? I also read on the internet, that you dont really verify the items ; you just look in your computer and verify that way. That is not what your company is supposed to do. You are supposed to do a true investigation according to the laws put in place to protect me. The account below is damaging. 

XXXX : Account number : XXXX, Account type is incorrect and not correctly displayed. I need this fixed ASAP. 30 days should be enough. 

XXXX : Account number : XXXX, Account type is incorrect and not correctly displayed. I need this fixed ASAP. 30 days should be enough. 

When I talked with the furnisher they could not provide me with an explanation on why this account is reporting inaccurate. That is strange because they are the ones who put it on my credit report. Dont worry ; I will hold them accountable for their actions. I dont want to seek legal advice to protect my rights, but I will if this inaccurate information is not deleted. 

Please delete the above account and send me a full updated credit report ASAP Waiting.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is being to the Consumer Financial Protection Bureau because my personal information were used to open fraudulent accounts with multiple entities. This entities include retail rewards cards and credit cards with financial institutions that I never dealt and done business with. I have contacted the credit reporting agencies as required by law to inform them and have them remove the fraudulent accounts from my information. However, Experian and XXXX refuse to cooperate with the fact of the matter. I have followed every step they have advised me with, I contacted them, I contacted the Federal Trade Commission and filed an identity theft report to have these fraudulent account removed from my records. Yet, they have done absolutely nothing and refuse to do anything. By law, they are required to take action once they receive official government document that is filed with the Federal Trade Commission and have the fraudulent accounts blocked. I file this complaint against, Experian, XXXX, XXXX XXXX and XXXX regarding the fraudulent activities that have been appearing on my credit records without my consent and authorization.
Product: Credit reporting or other personal consumer reports

I wanted to bring to your attention that on XXXX, I submitted a request to have my personal information corrected. However, it has come to my attention that the necessary corrections have not been made yet. I kindly request your assistance in rectifying this matter as soon as possible. Thank you for your attention to this issue.
Product: Bank account or service

My bank, Regions, has a way of classifying some transactions as pending. They stay in that status for various lengths of time based on some factor not known to me. My issue is that if my projected balance resulting from pending transactions reaches negative, Regions charges me a service fee, EVEN IF I make a deposit to cover the negative balance BEFORE the transaction that takes me negative is moved to non-pending status. 
The result is overdraft charges in my statement that appear without my balance ever going negative. 
This strikes me as Regions " having it XXXX ways. '' The way I see it, if I take care of a " pending '' negative balance before it is no longer pending, I should n't be charged.