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

On XX/XX/XXXX, I XXXX  two times from my checking account, the amounts were : {$500.00} and {$1400.00}, to a Water company that shortly after I learned it was a scheme when I checked with my water company, I right away called US Bank customer service, phone XXXX XXXX XXXX XXXX at about XXXX XXXX  on the very same day : XX/XX/2023, to notify about the fraudulent XXXX that I was just schemed, I was with Union Bank a long time and very satisfied with their service, i also learned that US Bank has recently acquired Union Bank, They said they would look into the matter and refund me the money.

Two days later, on XX/XX/XXXX I received the bank 's letter, that said their investigation were done and they were sorry that they could not refund me those fraudulent transactions, and did not explain why in the letter. I was so upset about the way the bank handling this, it did not seem they did a thorough look into the matter, no explaination of why, and I wonder how come their investigation did not take long, ususally with other bank I see like a week or so. I wonder if they ever even did their real search in this, or do they ever care, or can I trust anything of it? 
Then on XX/XX/XXXX, I XXXX  to my family {$100.00}. XXXX to my family member, the money did not go thru to them, i called the bank again, and they said the XXXX hasd a glitch on that day, and will show up in my family 's XXXX 5 days later, nothing showed up 5 days later, but the money was already taken out right away at the time of sent??? Then a week later they said they would refund this {$100.00} back to my account, the XXXX did not go thru, why if it did not go thru, then it shoulbe reversed right away, that is how I see with XXXX normally. 
All of this sound suspiciuos to me, I would start to think that US Bank might have not done their part to help their customer in their best,, or it would be a possible that why US bank is trying to keep customer 's money, when transaction was not succesful, and not doing their job to address the complaint as they are supposed to do as a bank. I am very upset, sad, frustrated and so very disappointed about this bank. 
US bank is a new bank for my account, I was with Union Bank a long time, never experienced any problems like this, with this new bank, I have already experienced very disappointed customer cares in them, I already started to lose trust in this bank service and have thought about choosing another bank. I am a hard working senior citizen in my later age, and I feel so terrible about all these, I have lost my money to pay for my essentials bills last month, about {$2000.00}, I work full time 5 days a week and sometimes even more, to meet basic living expenses, and I am very struggling because of the money lost, can you imagine how horrible anyone would feel at my age or at any age? Thank you so much, please help..
Product: Debt collection

A fraudulent debt was added as in collections by the company in question. Last year I was the victim of identity theft and all other fraudulent accounts have been removed by XXXX  and fraud alerts have been placed on my accounts. I was a victim of fraud/identity theft in XXXX as well as XXXX. My last date of dispute was : Company : LVNV FUNDING LLC 12 XXXX Submitted on : XX/XX/XXXX File number : XXXX Completed on : XX/XX/XXXX CONTACT INFORMATION LVNV FUNDING LLC XXXX, SC XXXX RESULT : Disputed information was verified as accurate
Product: Credit reporting or other personal consumer reports

I reviewed my comsumer reports and noticed that I had XXXX late payment on an account that was never late for consumer reporting agencies have assumed a vital role and I have a responsability to report consumer information to the best of their abdity with maximum accuracy I have never been late on payments for the account ( XXXX XXXX XXXX  ) ( XXXX ). Please investigate and provide proof with statements showing that these payments were late, If proof can '' t be provided I demand these payments be update to on time as they should be as never late. Thanks.
Product: Credit reporting, credit repair services, or other personal consumer reports

ftc violations : sent police report 3 years ago people out there doing bad things with my information the address claim caused XXXX XXXX XXXX XXXX to be late that goes against fair bill act not sending payment to the correct location is against the law to report without giving a fair chance to pay debt. Also XXXX XXXX, XXXX  XXXX account it's law What is covered under the Fair Credit Billing Act? 
The FCBA allows you to dispute charges and temporarily withhold payment without hurting your credit score. If you've been charged for a product or a service by mistake or were overcharged on a recent purchase on your credit card, a decades-old law called the Fair Credit Billing Act can step in to help. 


sorry respect XXXX XXXX XXXX bless
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX has been reporting my mortgage payments as being 30, 60, 90, 120 days past due. This is incorrect, I have not missed a payment in years. Ive contacted XXXX XXXX XXXX multiple times regarding this and have been told I would be given a call back to solve this issue and no return call has been received. I have then filed a dispute to the credit bureau Trans Union and XXXX  and neither of them have fixed the issue.
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX  XX/XX/year> XXXX XX/XX/year> XXXX XXXX  XX/XX/year> XXXX XXXX  XX/XX/year>
Product: Debt collection

It appears that someone has stolen my identity and got a lease in my name. I disputed this information with the collection agency and they sent me back the information that is attached. As you can see the signature on this paperwork that was sent the me from Absolute Recovery Services does not match MY SIGNATURE as evidenced by my driver 's license. This information must be removed from my report because it is not me.
Product: Credit reporting or other personal consumer reports

XX/XX/year> **Sent via Certified Mail - Return Receipt Requested** XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX : Correction and Updated Request for Verification of XXXXXXXX XXXX XXXX XXXXReference Number : XXXX To Whom It May Concern, I am writing to correct an error in my previous communication regarding the request for verification of a XXXX debt charge-off. In my prior letter, I included the wrong account and reference number. Please disregard the information provided in that letter and refer to the updated information below. 

The alleged debt is now linked to the following entities : XXXX. XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX. Debt Originator : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX I kindly request the following : XXXX. XXXX of the XXXX form issued in connection with this debt ; XXXX. Documentation supporting the original debt, including the amount owed and the date of the charge-off ; XXXX. Proof that the debt was legally canceled or forgiven, as indicated by the issuance of the XXXX form. 
If this debt has been incorrectly assigned or if there are discrepancies, I request that you update your records and inform the relevant authorities to reflect the correction. 
I appreciate your attention to this matter and kindly request that the corrected documentation be sent to me within XXXX daysXXXX of receiving this letter. This letter has been sent via **Certified Mail** with a return receipt requested for my records. 
Thank you for your time and cooperation. 

Sincerely,
Product: Credit reporting or other personal consumer reports

I have received 2 new hard inquiries on my credit report for things I have never applied to. 

XXXX XXXX XXXX XXXX XXXX  XX/XX/year> SYNCB/ TJX CO DUAL CARD ( bank ) on XX/XX/year>. 

The credit report so far only shows the deductions from the hard inquiries. It does not show if any of this was approved.
Product: Credit reporting or other personal consumer reports

I Formally request the immediate removal of all negative items from my credit report under the Uniform Commercial Code ( UCC-11 ) declaration. No valid debt is in my name, and any negative entries are incorrect and unjustified.

I demand that your agency : Conduct a thorough investigation into all negative items listed on my credit report.

Verify the validity of these entries by UCC-11. 
Remove any negative items that can not be substantiated as legitimate debts. 
I expect a prompt response and resolution to this matter. Please confirm receipt of this letter and provide written confirmation once the negative items have been removed. 

Thank you for your immediate attention to this urgent matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Cease & Desist Pursuant to 15 usc 1692c. ( c ) I AM NOTIFYING YOU IN WRITING THAT I REFUSED TO PAY THIS ALLEGED DEBT AND I AM DEMANDING THAT YOU CEASE ALL FORMS OF COMMUNICATION WITH ME THROUGH ANY AND ALL MEDIUMS WHICH I SENT CERTIFIED LETTER ASKING TO DO SO ALSO PURSUANT TO 15 USC 1692C ( C ) ( 2 ) I AM INVOKING MY SPECIFIED REMEDY AS A CONSUMER, AND THE ORIGINAL CREDITOR I AM DEMANDING ALL THE FOLLOWING : 1XXXX OUT THE BALANCE ON THIS ACCOUNT 2.DELETE FROM ALL CONSUMER REPORTS
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Credit reporting provided outdated and incorrect information to creditor XXXX XXXX XXXX  and XXXX XXXX XXXXXXXX on XX/XX/2018 with whom my wife and I were applying for a mortgage loan. They reported an open account with XXXX XXXX in the amount of {$2400.00} even though I had disputed the information due to this account was paid in full in XXXX of 2018. They also reported incorrect/outdated info for XXXX XXXX XXXX XXXX of unpaid charge off of {$610.00} even though I had disputed this account and had paid this account in full in XXXX of 2018. 

Transunion continues to report the same incorrect info. 

Both XXXX XXXX and XXXX XXXX XXXX XXXX are both paid in full and closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

You Violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer. 
After pulling a copy of my Consumer credit report I noticed that your agency is in multiple violations and Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer ( Inquires ) - ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person or ( B ) ( i ) the transaction consists of a firm offer of credit or insurance.

( 3 ) INFORMATION regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.

Under FCRA 15 U.S. Code 1681n ( b ) ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ( 2 ) such number of punitive damages as the court may allow. 
I did not initiate any of these inquires furthermore if you feel like I did please send me copies of my written signature giving consent to this matter please.
Product: Debt collection

CREDIT COLLECTION SERVICES was assigned a debt from the XXXX XXXX which should not have been sold. My car was in an accident while I had XXXX XXXX and my Attorney was in communication with all parties. My insurance was paid up for the month and I was told that due to the XXXX XXXX deeming the car as 100 % totaled once the case was closed, I had the option to continue or discontinue my insurance I chose to discontinue the insurance since I didn't have a car. The car accident was on XX/XX/XXXX I did not receive my settlement check to purchase a new car until XX/XX/XXXX. I do not owe the XXXX {$110.00} as I opted out of the car insurance before the following month 's payment.
Product: Credit reporting or other personal consumer reports

I PULLED A COPY OF MY CREDIT REPORT AND NOTICED THE XXXX XXXX ACCOUNT IS REPORTING INACCURATE INFORMATION TO MY CONSUMER PROFILE. I'VE CONTACTED THE CREDITOR NUMEROUS TIMES AND THE CREDIT REPORTING AGENCIES FOR CONSTANTLY REPORTING THIS INACCURATE INFORMATION. 

THE LAST CORRESPONDENCE WITH THE CREDIT REPORTING AGENCIES RESULTING IN THIS INFORMATION BEING UNVERIFIABLE. 

THIS ACCOUNT WAS CLOSED AND CHARGED-OFF, THIS BALANCE HAS BEEN CLAIMED ON THE CREDITORS ' TAXES. THIS ACCOUNT CAN NOT BE REPORTED AS IT IS NOW TAXABLE INCOME WITH A 1099 ISSUED.

THESE COMPANIES HAVE THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY FAILURE TO DO SO IS IN VIOLATION OF 15 USC 1681 EB.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my credit report and found the following to be in error. I would like these items deleted off my report FCRA VIOLATION. 

XXXX XXXX XXXX # XXXX - account unknown, bureaus can not validate please delete XXXX XXXX XXXX # XXXX - account unknown, bureaus can not validate please delete off my report XXXX XXXX XXXX  # XXXX - XXXX is reporting past due however I do not have any late payments- please update my report to paid as agreed. Also last date active is showing XX/XX/2018 ( see attached )
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Experian, I am writing to request the removal of a late payment from my credit report. The account in question is XXXX XXXX XXXX. 
I have recently become aware that this account has been reported to your agency in violation of the Metro 2 credit reporting guidelines. Specifically, the account was reported with a late payment status, despite the fact that the payment was made within the grace period as per the R28 code.
Product: Credit card

Twice I have been charged interest after paying my balance in full. I have called XXXX times and had the charges reversed but I am afraid people that do n't go over their bills carefully are being charged in error.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have previously disputed this item with XXXX and Equifax and I verified the item as accurate I have verified the information with the court. I contacted the court and their response is enclosed. It is clear they do not report to me or any credit bureaus for that Matter, Therefore your original response verifying the item with the court was either an error or a lie. Either way, the reporting requirements do not comply with FCRA 611I ( 15 U.S.C. 1681 ) and the information must be deleted immediately.
Product: Debt collection

Fay Servicing LLC is attempting to seize/sell my Home at XXXX XXXX XXXX, XXXX, MA XXXX despite that we are in modification process to allow us to keep our home. We have a child who is XXXX, and we want to do every legally possible to keep him in this home where he was born and provide stability for him. 

In XX/XX/2018, Fay Servicing LLC through its Account Manager XXXX XXXX offered us a trial payment of {$1900.00} under Fay Servicing Modification Program. 

We quickly notified them that we could not afford this modification. We reapply for the modification, and in XX/XX/2018, we were asked for documents that we provided in the past and were told, they wanted different type ; which were submitted just a month before. For example, we provided XXXX XXXX XXXX Binder, it was accepted several times without objection, and were told they need the policy. 
We submitted everything and a new offer of {$1500.00} trial payment under Fay Modification Program. We were very happy that we finally got a monthly payment that we can afford. The payment was due XX/XX/2018. We made the payment online using Fay Servicing Website and not all the payment was taken. The website only allowed {$1300.00} to be paid. We sent the difference using XXXX through XXXX XXXX. Everything happened timely as requested. In fact, Fay Servicing us until the end of the month of XXXX to make that first payment to be able to accept the trial payment offer. In the middle of XXXX, the time for Fay Servicing LLC to accept the payment of {$240.00} made through XXXX XXXX expired online. 
We requested that they make an option available to received the difference, we were told that could not be done. As such, we tried another payment of what is allowed online. Another payment of {$1300.00} was processed XX/XX/2018 and applied through Fay Servicing LLC 's website which would now cover the full payment for XX/XX/2018 with the difference to be applied toward XX/XX/2018 's XX/XX/XXXXpayment. Two separate checks made online were sent for {$240.00} mailed to Fay Servicing LLC from XXXX. To our surprise, on the eve ofXX/XX/XXXX, we were served with Foreclosure sale notice sent by certified mail and first class dated signed by a foreclosure specialist from Fay Servicing LLC on XX/XX/2018.  Not even 30 day notice, and a notice that came while we were working to enter a permanent modification. 
It seems that Fay Servicing LLC has no intention to modify the loan and is playing tricks to come and get our home. 
We want Fay Servicing LLC to make good on this promise to a permanent modification that we have already accepted by making trial payments. I am not sure what is going on, but this is plainly malicious.
Product: Vehicle loan or lease

They're not applying the payments correctly and they got a lot of complaints against them for the same problem also they over charging us over 79 days of interest please look into my next step is contacting the XXXX I made money orders for XXXX payment and a extra XXXX for the principal balance and then I made a money order for XXXX and sent a extra XXXX. They saying that they applied all the money to 1 payment now saying that we owe 79 days of interest please look into
Product: Credit reporting or other personal consumer reports

I discovered some unauthorized inquiries on my credit report this evening, and I have no idea why they're there. When I checked my report like I normally do, I noticed these discrepancies that just appeared out of nowhere. I tried refreshing my browser, thinking it might be a glitch, but the unauthorized inquiries remained. This issue has me really worried, and Im requesting that the documents I've provided be thoroughly reviewed so I can finally have peace of mind.
Product: Checking or savings account

I went to pnc bank previously BBVA on XXXX XXXX XXXX XXXX tx to cash a check for XXXX teller gave me XXXX went back to the bank to get corrected XXXX XXXX the manager basically kicked me out asked me to come back Tuesday, I got a call from XXXX XXXX customer service asked me come back on Tuesday to get this taken care of and HE would walk them through the issue waited there for 4hrs just to get no help from anyone Went to XXXX to thank her for NOT doing anything and had the audacity to say your welcome have a great day This is robbery the check was written for the XXXX amount and chose to do nothing.
Product: Credit reporting

I had a secured credit card with XXXX XXXX for several years and then I was issued an unsecured XXXX XXXX XXXX card. Since I had the unsecured card, I did n't feel it was necessary to have the secured account any longer and I requested that XXXX XXXX close the account. The account was always paid on time and I was never late. As soon as I requested the account to be closed, my credit score dropped tremendously. I am in the process of trying to qualify for a home loan and I think that is totally unfair for the credit bureaus to have that much control and could virtually cause an individual not to be able to purchase a home because they paid off and closed an account. Does n't make sense at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

When i try to submit a dispute to equifax o line they will not except it and say i have to call them, they put me on hold, last time 30 minutes, never answered, in the past i have tried several times same problem
Product: Credit reporting, credit repair services, or other personal consumer reports

Fruad Accounts Appearing On All Three Credit Reports at this time.
Product: Debt collection

In the reply to my complaint the company stated the following '' After receiving XXXX XXXX complaint, XXXX XXXX XXXX  reviewed the file and will send XXXX XXXX the modified agreement. XXXX XXXX XXXX, XXXX prides itself on compliance with all federal, state and local laws and regulations. We encourage XXXX XXXX to reach out to us directly if she has questions or concerns or if we can provide any additional assistance in resolution of this matter. '' THEY STILL HAVE NOT REVISED ANYTHING ON THE AGREEMENT NOR SENT IT TO ME. IAM NOT PAYING FOR ANYTHING AT THIS TIME. THIS IS RUINING MY CREDI TAS YOU ARE REPORTING I AM NOT PAYING. IVE CALLED YET AGAIN AND I WAS ADVISED I WAS GETTING ANOTHER MODIFICATION AND STILL NOTHING. 

refer to closed case XXXX
Product: Debt collection

XXXX XXXX is attempting to collect on a Debt that is not owe to them They are trying to collect {$170.00} for Synovus Bank This balance has already been paid off at the bank branch
Product: Credit reporting or other personal consumer reports

I just looked at a copy of my credit report. It stated that the credit inquiries mentioned below were the source of the credit request. On the other hand, I did not authorize this inquiry. I'm sending this to dispute this inquiry and request that it be taken off my credit report as a result. 
XXXX XXXX XXXX XX/XX/year>
Product: Credit reporting or other personal consumer reports

Experion is not taking off the closed accounts and the late payment and I wanted them to remove the collections from my credit report because the collections can not verify it is my account so I would want to soi them for not listening to me even the other account I have the charge offs and the riten of s I calld the company and they told me that expiran have to take the collections and late payment off my credit report