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

XXXX XXXX This is not a dupilcate complaint .on my experian credit report i sent documuntation from XXXX XXXX agreeing to remove the late payment as courtesy reason is i have a borrow assitsnce during that time a nd by law they dont suppose to report that ctedit reporting i got letters from XXXX XXXX to remove off experian but its still showing 60 days late and have a federal trade report on file and also have XXXX  update
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My XXXX, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : Account Name : XXXX XXXX XXXX Account Number : XXXX, Account Name : XXXX XXXX XXXX Account Number : XXXX, Account Name : XXXX XXXX XXXX Account Number : XXXX, and so on.
Product: Checking or savings account

I had a fraud alert on my account of an unknown person putting in fake checks and stealing the money through atm. At the time I did not know that my card was lost and someone was using my account for check fraud due to me always using XXXX XXXX I got alerted ( XX/XX/XXXX ) that my account was on hold and thats when I noticed what was happening.they told me to verify the checks or my account would be on hold. I reported I didnt put in those checks and that I never was the one withdrawing money from the atm. They said I was gon na be able to get my remaining money through a check ( XX/XX/XXXX ). I also went in person to discus why I havent received the check and was told it would come in less than 2 weeks. Two months passed and they never sent that check and told me that there was XXXX dollars in my account and that they took the money ( {$2400.00} ) for compensation of the money that was wrongfully taken out the atm
Product: Credit card

I made a promotional 0 % balance transfer in XXXX of XXXX with Chase. The expiration of the 0 % is stated as XX/XX/XXXX. I then made a purchase with the Chase United Credit Card in the amount {$1400.00}. Knowing that the interest rate on the purchase is 29.99 %, I called Chase and said I would like to pay off the {$1400.00} purchase and made it very clear that I did not want my payment of {$1400.00} ( I made the payment the exact amount of the purchase so there was no confusion ) to be allocated to the 0 % promotional balance transfer. I wanted to pay the high interest purchase off and continue making payments on my 0 % balance transfer. On my statement it shows the payment of {$1400.00} being assisted by a representative. The payment was allocated to my balance transfer and not to the purchase. Chase has been charging me the 29.99 % interest rate on the purchase ever since. To add insult to injury, every payment that I have made since has been allocated to the 0 % balance transfer and not to the purchase with the 29.99 % interest. I believe this is fraudulent behavior by Chase.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone unknown to me has put me as an authorized user on their Capital One Cards and I'm demanding that I be removed from these unknown accounts at once.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I've talked to the bank & they've agreed to remove the account. BUT TransUnion has some internal block which they're claiming they can use to not remove the account because they feel they're above the law. When questioned why they're not accepting the dispute letter they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the pdispute letter ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy... discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the TransUnion credit bureau to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law, ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first XXXX digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any items of information contained in a my file at XXXX is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus 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 items from my file in accordance with paragraph ( XXXX ), 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 creditor My credit report includes the following erroneous information that needs to be investigated and delete XXXX XXXX XXXX XXXX  Date Opened : XX/XX/2014 Balance : {$0.00}
Product: Debt collection

I called midland funding in regards to this they asked me for account information I told them I didnt have any I just saw this on my XXXX XXXX XXXX its why Im cslling they asked me for my social security name is not mine yet my social security was used they wont tell me anything cause they cant confirm identity. But yet its affecing me because its my social security number and Im stuck. How can I clear my name if they refuse to help me its not my account or my name. How ever my social security was stolen by this person to open an account I dont even know what it is or where I need my name cleared XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom this may Concern : I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying I had some identity theft on my credit card, so I want to make sure everything is correct because I am not 100 percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of, which made me write to you all. 
Are you familiar with something called 15 U.S.C. Sec. 1681i ( a ) 1681i ( a ) ( 1 ) ( A ), 1681i ( a ) ( 1 ) ( B ), and 1681i ( a ) ( 1 ) ( C ) 1681i ( a ) ( 2 ) 1681i ( a ) ( 3 ) 1681i ( f ) ( 3 ) and 1681 Sec.604A Sec.2 ,15U.S.C. 1692 ( C )? I heard that if you cant provide proof, these accounts must be deleted. Well I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back with me? I saw on a Credit Site and Board where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them. 

So I have notice a Number on hard inquires that are completely fraudulent and I have no knowledge of these hard inquires Hard Inquires XXXX XXXX XXXX XXXX, 2022 XXXX XXXX XXXX XXXX, 2022 XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Trans Union XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Fin. XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXXn
Product: Credit reporting or other personal consumer reports

This morning, I discovered incorrect accounts on my credit report, and I have no idea how they got there. I routinely check my report, but this time, unexpected discrepancies appeared. I even refreshed my browser, thinking it might be a glitch, but the errors remained. Given this issue, I request a thorough review of the documents I have provided so that I no longer have to worry about this happening again.
Product: Vehicle loan or lease

I previously submitted a complaint in regards to the incorrect information that XXXX agents have provided me. However, just recently I spoke with 2 supervisors who confirmed that the repossession reporting on my credit profile for XX/XX/2018 is in accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've reached out to OPTIMUM OUTCOMES, IN and XXXX XXXX XXXX XXXX XXXX seeking providing details of such adequate services and address this issue yet they still haven't provided such information. I have been involved in a data breach and due to that I have placed a security freeze and also have setup an identity theft alert. I need assistance with this matter because this falsely reporting have impacted me financially.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was treated with XXXX during XXXX and XXXX and couple of payments were delayed for 2 months while I was on bed / on treatment. 

As on date, I had already paid / settled the outstanding amounts but still apprearing on my credit report which is impacting my credit. Please help.
Product: Checking or savings account

In XX/XX/XXXX, I went into Truist Bank on XXXX XXXX in XXXX, NC to open a new checking account with XXXX XXXX. I was on a joint checking account with my DAD, who passed away on XX/XX/XXXX. Well they did not open a new account, they simply removed my DAD name and ordered me a new debit card. I don't recall being told it would not be a new account. In addition, on XX/XX/XXXX I opened a Money Market Savings with XXXX XXXX. On XX/XX/XXXX the US Treasury sent a reclamation for XXXX for a payment for my dad. There was not enough in that checking account. Truist just went into my personal money market savings and took the payment to pay the US Treasury. I spoke to US Treasury and per them, Truist should had responded to the reclaimation that account has closed or was insufficient and they would have pursued his estate. Truist supervisor XXXX state they could go in ANY account I have to pay for my dad obligations, due to I signed a signature card for the joint account and because I was a beneficiary. I spoke to a branch manager, XXXX, she advised that is impossible. I can't be a joint and a beneficiary. I have a long of the 25 times I have called the local branch and call center. NO one will ever back. Local branch said this is out there hands.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint because my credit report contains inaccurate and potentially unlawful entries, which violate the Fair Credit Reporting Act ( FCRA ). The issues I am experiencing are outlined below : 1. Duplicate Reporting of the Same Debt Under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), creditors and collection agencies are prohibited from furnishing inaccurate or misleading information to credit bureaus. My credit report shows the same debt reported multiple times by different entities : Original Lender : XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX : XXXX XXXX Investments Both accounts reflect the same original balance of {$990.00}, the same current balance of {$990.00}, and the same date assigned ( XX/XX/year> ). This duplicative reporting is misleading, unfairly impacts my credit score, and violates the FCRA requirement for accuracy in credit reporting. 

2. Incomplete or Missing Information Under 15 U.S.C. 1681e ( b ), credit reporting agencies are required to ensure the accuracy and completeness of information. However, XXXX of the entries is missing key details ( e.g., the " Agency Name '' is blank for one account ). This lack of information prevents me from understanding who owns the debt and whether it is being reported correctly. 

3. Failure to Update Information Under 15 U.S.C. 1681s-2 ( a ) ( 2 ), furnishers are required to update information to ensure accuracy. If this debt has been sold or reassigned, the original creditor ( XXXX XXXX XXXX XXXX XXXX ) should no longer report it. However, both entities are reporting the debt, suggesting the information is not being updated. 

4. Misrepresentation of Debt Responsibility If the debt has been transferred or sold to a collection agency, it is misleading for both the original creditor and the new collection agency to report the debt simultaneously. This violates the FCRA, as it creates confusion regarding the debt 's true ownership and status.
Product: Consumer Loan

Care Credit XXXX Synchrony Financial XXXX relies on inaccurate credit information and refuses to increase loan amount to {$6000.00}. Second their record are in disarray and show no current line of {$1000.00}.
Product: Checking or savings account

Both of my accounts at M & T Bank were frozen due to a delayed tax payment to the IRS. I did not receive any alert from M & T that I would not be able to access my funds. After waiting about one month for the IRS to process my payment, they confirmed on XX/XX/XXXX that the payment had been cleared. 
I called M & T Customer Service onXX/XX/XXXX to ask if my account was still frozen and after being on hold for a while, I requested to escalate the issue to a supervisor. I spoke to a Mr. XXXX who advised me that he would look into the situation and get back to me on Friday XX/XX/XXXX " by noon. '' I called on XX/XX/XXXX shortly after XXXX because I had not received a call and was on the phone with Mr. XXXX by XXXX. He called the IRS while on the phone with me and confirmed that the hold on my account was released and my accounts would be accessible by Wednesday, XX/XX/XXXX. 
On FridayXX/XX/XXXX, went to the XXXX M & T branch around XXXX and told a teller that I wanted to withdraw money in addition to closing my account. The teller told me that I would need to speak to a personal banker. I waited about 35 minutes for a personal banker but needed to go back to work. At no point did someone look up my account or suggest seeing a teller to at least withdraw money. After returning to work, I called both the XXXX and XXXX branches to see if I could get an appointment with a personal banker that afternoon. XXXX at the XXXX branch and XXXX at the XXXX branch both told me that the personal bankers would not see any customers- unless you have an appointment- after XXXX ( even though the bank closes at XXXX ). 
On XX/XX/XXXX, I made arrangements to leave my Saturday job early to go to the bank prior to the XXXX closing time. I arrived at the bank between XXXX and XXXX and was told by XXXX that all of the tellers were closed and I wouldn't be able to withdraw any money. At the mention of me closing my account, she set up an appointment with me for an " account review '' ( scheduled for Monday XX/XX/XXXX at XXXX ). 
Knowing I wouldn't be able to leave work again for the bank, I tried to arrive first thing in the morning on Monday XX/XX/XXXX to withdraw money. Having hesitation after all of the trouble I've experienced, I called M & T Customer Service again to confirm that I wouldn't have any issues. At around XXXX a customer service representative advised me that there was still a hold on my account. 
On XX/XX/XXXX, I called the IRS and confirmed again that the hold had been lifted from my account on XX/XX/XXXX. I called both the XXXX branch ( spoke to XXXX ) and M & T Customer Service to see what I needed to resolve this issue and they told me that if I requested a transcript from the IRS and brought it in, that would resolve my issue. 
I was told on XX/XX/XXXX that my account would be unfrozen by XX/XX/XXXX and it is now XX/XX/XXXX and the bank is advising that I wait up to 10 additional business days for my transcript so that they can unfreeze my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir or Madam, I reviewed a copy of my credit report and I noticed unauthorized inquiries had been made by the following companies : XXXX   XXXX XXXX Inquired on : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX Inquired on : XX/XX/XXXX XXXX Inquired on : XX/XX/XXXX XXXX XXXX Inquired on : XX/XX/XXXX XXXX XXXX Inquired on : XX/XX/XXXX XXXX XXXX Inquired on : XX/XX/XXXX XXXX Inquired on : XX/XX/XXXX I contacted the above mentioned creditors and asked them to remove their credit inquiry from my credit profile on several occasions however all of the inquires have not been removed. Im request that you remove these inquiries on my credit report and send me an updated copy of my credit report. I'd like the credit bureaus to please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation if the above credit inquiries are not removed. Thank you for your assistance in this matter. 
Sincerely, XXXX XXXX
Product: Vehicle loan or lease

XX/XX/XXXX I went to surrender my deceased husband death XXXX I have been given the run around without any resolution I have sent all request the bank ask for since XX/XX/2023 mileage on truck description of truck surviving spouse surrender of truck seats certificate of husband letters sent to Executive ofc. Nothing. In New York state you can not surrender plates until ins has been terminated. I have kept and paid monthly ins. Submitted proof by email to the executive branch no response until today I was told that I would not be reimburse fo ins. Payments My name is not on the loan just trying to do the right thing in protecting Key Cotp investment almost 6 months of trying to get them to pick up the truck. KeyCorp has created undue hardship having to make monthly insurance payments and has really caused unnecessary stress on especially after my husband 's untimely death. I have all documentation sent to the contact person at keycorp and no resolution Please help me Thank you
Product: Credit reporting or other personal consumer reports

SYNCB/XXXX reported an inquiry on my consumer report without proper disclosure or the opportunity to provide an alternative to opt out of sharing my information.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX IS NOT A DUPLICATE ****** Defamation of character.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized, unverified hard inquiries on my credit report must be removed in accordance with the FCRA.
Product: Credit reporting or other personal consumer reports

XX/XX/2024 I found disrepancies on my report with Trans Union, XXXX, XXXX XXXX XXXX XXXXXXXX the date of last actividy says XXXX XXXX and XXXX XXXX this is inaccurate reporting and violating my rights as consumer According to 15 USC1681 I have the right to maximum accuracy to my report.
Product: Mortgage

my homeowners insurance co. sent out an individual to take pictures of the property. then notified me that i must replace the roof. i could not afford a new roof at the time so they canceled my insurance. my mortgage co then got me a new policy ... my mortgage payment more than doubled! my new rate is unsustainable! i am now facing losing everything! now i cant afford a new roof or electric or food or car insurance or anything else! my XXXX XXXX and XXXX  also live with me. we will all soon be homeless. i disconnected my water heater months ago... i have done multiple things to cut expenses there is no more i can do. alot more i could say but this is my current situation.
Product: Credit reporting or other personal consumer reports

My information was exposed in a data breach and unknown inquiries on my credit report
Product: Credit card or prepaid card

The complaint that I am putting is very frustrating, time consuming and I have been treated like I am a worthless person throughout this nightmare. I just want to get that out there before I start. So with that said in XXXX of XXXX I contacted Citi bank which I have a MasterCard with and I have used ride service XXXX several times because I have an XXXX XXXX  and unable to get a license but still need to go to places for work or personal and I even was in XXXX XXXX because one of my first times using the service I got into a car accident which was the entire fault of the driver. Also just about every ride I have had a driver that's been on drugs I know because I could smell it. driving unsafe such as for example stopping in middle of highway to turn wrong way to take the previous exit since they missed it and I told them not to but they don't care they also have their own friends in the car which is an uncomfortable feeling and was scared and not to mention they would take longer routes meaning I got charged more and I was late for several events which I had to pay for. Those are some examples I have plenty more but I think these where I am coming from. So on XXXX XXXX I explained this too a representative of Citi bank after contacting the merchant and had no resolution. The bank representative said those charges would be refunded back to me and not to worry. Then I had given it a couple months and no money back and unfortunately I got XXXX   in the hospital and then was taking care of my XXXX and XXXX XXXX XXXX nieces then had a promotion farther from my house but took it and got a XXXX XXXX which I need XXXX for now. So after all these life changing moments I called Citi bank once again in XXXX and asked for the CEO I explained the situation and then spoke with a woman named XXXX who said she would call me back the next day but I received no call for two I had to leave two voicemails and four days after I received a phone call at the time that I told her was too late for me and later next day when I called it just went to her voice mail then on Saturday XX/XX/XXXX XXXX called me back and said she will work on this and call me the latest on Tuesday the XXXX which was a while away but assured me she would contact the merchant and get me the money back and I should not have this happen to me and should have been resolved last year. So on Tuesday the XXXX she calls me and says that she can't help me I ask why and she says that she saw the policy and could not confirm that they do or do not have a refund policy. I asked if she called the merchant she said no and will not I explained she had over a week and a half to work on this and did not do her job. She said she'll contact them and within 2 mins called me but it went to voicemail and since then has not called back. I know that she did not get my refunds and/or contact them and lied to me. I want my money back which I am owed and have been promised twice. I want the CEO not a secretary to contact me and my money back ASAP I am done waiting. Please get back to me ASAP. Thank you