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

I do n't understand how I can be submitting multiple pages of proof to the credit bureaus proving that these accounts are inaccurate and must be removed and yet, XXXX XXXX did not remove these accounts! Congress clearly states in XXXX XXXX XXXX XXXX that the burden of proof is on the creditors and the credito bureaus and NOT me so how come nothing isbeing done to assist me? What other proof is required of me to show that these items are not reporting per federal law? I 'm attaching the lawsuit that clearly spells this out as well as my credit report and my actual disputes. I do n't understand who allows them to do this ( governement, etc. ) but this is a complete violation of my rights under the FCRA! 

XXXX XXXX XXXX Status makes no sense, delete this immediately : Experian and XXXX : closed/XXXX : open All 3 bureaus should be reporting the same information. What also doesnt make sense is that Experian and XXXX report a monthly payment of {$0.00} while XXXX reports {$1000.00}! 

XXXX XXXX XXXX Im at a loss on how you can still be reporting this incorrectly when you had ample proof that this was incorrect. You are required to delete this immediately : Balance : Experian $ XXXX $ XXXX {$19000.00} XXXX XXXX XXXX Im at a loss on how you can still be reporting this incorrectly when you had ample proof that this was incorrect. You are required to delete this immediately : Balance : Experian $ XXXX $ XXXX {$68000.00} XXXX due : Experian and XXXX $ XXXX {$0.00}
Product: Debt collection

Caliber Home Loans repeatedly calls my Cell Phone for a Debt XXXX XXXX from NJ owes due to being delinquent on home loans. I have been assured on five occasions that the number has been removed and they continue to harass me. The calls have been going on for 4 years despite repeated attempts to convince them it is not my loan. Today, XX/XX/2020 I received a call from Caliber Home Loans. I have already filed a complaint and Caliber Home Loans responded saying they would no longer contact me. I have also filed a complaint with the State of Texas Office of the Attorney General. Caliber Home Loans XXXX XXXX XXXX XXXX XXXX. XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, NJ XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has an erroneous medical collection account being reported on my credit file XXXX XXXX XXXX XXXX XXXX. I have now disputed this twice with Equifax, who somehow magically did their investigation twice now in under 48 hours. This is a clear violation of my rights and numerous credit laws.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. I have included the proper documentation with my report. There are inaccuracies with both inquiries and a XXXX  XXXX account that need to be removed from all XXXX credit reports Equifax XXXX and XXXX
Product: Mortgage

We have been trying to close an existing account for a HELOC. The home has been sold and we are having to cover the amount of the HELOC through an escrow account until the bank gives us a letter that states the account is closed. We originally tried to contact the bank Friday XX/XX/2020. We waited on the phone for approximately 1.5 hours in the morning and again in the evening without getting through to a representative. We again called on XX/XX/2020, Monday morning, with the same wait time and no contact with a customer representative. We made an appointment at a local bank for XXXX XXXX on XX/XX/XXXX and local loan officer could only call the same number we had previously called and informed us wait times were 1.5 hours or longer and he could not help us close the account. We finally reached an agent the evening of XX/XX/XXXX and explained that we wanted to close the account. We paid a {$25.00} fee to close the account and were told the account would close as soon as the fee cleared but that may not happen until XX/XX/XXXX due to a system update. We explained that we were closing on XX/XX/XXXX and asked could anything be done to speed the process. They stated the issue would be sent to an escalation team. We called back on the morning of XX/XX/XXXX to see if anything had been achieved and were informed nothing could be done until XX/XX/XXXX when the update was complete. We went through with the closing and had to place {$50000.00} from the sale of the home into an escrow account to cover the HELOC not being closed. After confirming the fee had cleared our account, we called back on XX/XX/XXXX to see if the account could be closed. We were again informed that there was issues with the update and they were unsure of when the account would be closed but they would make sure ( once again ) that it was sent to an escalation team. We have continued to call back with repeated wait times exceeding 1.5 hours with no answer from representatives or receiving auto-messages that they are closed and to call back during normal hours up to XXXX when it has been XXXX or XXXX XXXX when we called. It is now XX/XX/2020 and more calls have been placed without speaking to representative and only being able to leave a message after 2 hour wait. We need the account closed to receive the funds from escrow as we are closing on our next home. Any help would be greatly appreciated. 

Thank you
Product: Checking or savings account

I lived in New York state and opened a TD XXXX  Checking deposit account. I tried having a portion of my payroll checks deposited into this account but was shortly unable to login to the account. I recently moved to California and was unable to login to their website- it said " there are no accounts to show. '' I called their customer service number twice and both times the representative told me the only way to resolve this is to go to a physical branch ( which they only have on the East Coast, ) and that there was no way to handle this over the phone, via fax, secure message, or via a video visit. 

It is outrageous that they are holding my money XXXX and refuse to help me in any way and that the only way to resolve this is to go to a physical branch during a pandemic.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit file with TransUnion, XXXX and XXXX. I found an inaccurate account furnished by XXXX. I sent a certified letter to TransUnion, XXXX and XXXX to have the debt validated and never received a reply. The account I am referring to is XXXX with account number XXXX. The entire account went from inaccurate to wildly inaccurate. I have found the following inaccuracies : The high balance is inaccurate. The date last verified is inaccurate, The date of last activity is inaccurate, The date closed is inaccurate, The past due amount is inaccurate, The credit limit is inaccurate. How can the credit limit be XXXX and the high balance XXXX and the past due amount be XXXX. When asking to verify this account a proper investigation was not done. TransUnion, XXXX and XXXX have violated my rights with inaccurate credit reporting.
Product: Debt collection

National Credit Adjusters are not in compliance with FCRA. They are reporting two debts on my XXXX credit report that are incorrect. They are incorrectly reporting the " date of first delinquency ''. I have made multiple attempts to correct this problem with NCA & XXXX. For both accounts the First date of delinquency is sometime in the year XXXX. They are telling me that XXXX & XXXX of XXXX is when they purchased the debt, and that's the date they are going to report. They said they haven't updated the report since XXXX of XXXX. This incorrect reporting has been affecting my career and ability to make consumer purchases.
Product: Credit reporting or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I've had an XXXX XXXX credit card with USAA for more than five years. A couple months ago, I received an email notification alerting me that the account would be closed for inactivity if I did not make a purchase on the account. I ordered a new physical card, that was delivered, and on XXXX XX/XX/2022 made a purchase. On the statement due date, XXXX XX/XX/2022, I paid the statement balance of {$26.00}. 

On XXXX XX/XX/2022, I received an email from USAA notifying me that the credit card had been closed dude to inactivity for the last three years. Online, the available credit was reduced to XXXX. I attempted to call, and there was no ability to speak to anyone in the credit card department regarding this error in their system. I could only be routed to their checking department, as that was the only remaining account that I had open with them. 

This action taken by USAA will detrimentally impact my credit score, as it will reduce my available credit. This adverse action was taken despite my acknowledgement of their notice, and having taken affirmative action to prevent this outcome.

When I called USAA to rectify the problem, I spent almost 40 minutes on hold. When I called back, I attempted to completely end my business relationship with the company. I asked to not only close any open accounts, but to sever all ties with the company completely due to their inability to provide anything approaching competent banking or customer service. I was advised by the representative with whom I spoke that the best she could do is close my account and add a note to my membership. 

This is unacceptable. Obviously the best course of action would be for them to reinstate the credit line that was closed due to their administrative error. If this is not feasible, I wish to have every relationship with the company terminated. Their inability to provide a path to either resolution I would consider satisfactory has caused me to open this complaint with the CFPB.
Product: Credit reporting, credit repair services, or other personal consumer reports

These are not my accounts. This is a second request. Please remove it from my credit report. 103 Claims true identity fraud/account fraudulently opened.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have occurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settles with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my previous checking accounts transactions.
Product: Credit reporting 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. 

Account Name : XXXX  XXXX Account Number:XXXX  Account Name : XXXX  Account NumberXXXX has violated my rights. Or a list of inquiries : 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name XXXX XXXX Account # XXXX {$270.00} Account name XXXX XXXX XXXX Balance {$230.00} Account name XXXX XXXX XXXX Balance {$610.00} Account name XXXX XXXX XXXX Balance {$3700.00} Account Name XXXX XXXX account # XXXX Account Name XXXX XXXXXXXX XXXX Balance Balance XXXX Account Name XXXXXXXX XXXX XXXX XXXX account # XXXX Account Name XXXX XXXXXXXX account number XXXX balance {$320.00} Account Name XXXX XXXX account num XXXX balance {$230.00} has violated my rights. 

Inquires XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I looked at my XXXX XXXX and Equifax credit report on XXXXXXXX XXXX  and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 



and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

After being the victim of identify theft, I took all of the steps recommended by IdentityTheft.gov including mailing the appropriate documentation of identify theft to ERC to the address listed on their collection notice for correspondence. The documentation was returned by the postal service as undeliverable. This seems clearly fraudulent if the only address provided for disputing the collections charge is undeliverable. I am including photos of the address provided by ERC on their collections notices as well as the same address returned by the postal service as undeliverable. 

I also called XXXX XXXX XXXX ( where the fraudulent charge was made ), explained the situation, and sent all required documentation to their fraud department. At their request I also filed a police report. 118 days later they have not responded and I am still receiving collection notices from ERC for this fraudulent charge. The correspondence address given on the form is still the same one that was previously returned as undeliverable.
Product: Credit reporting, credit repair services, or other personal consumer reports

I leased a vehicle through GM financial in XX/XX/XXXX. It was a three year lease - I kept current on the lease until the end of the lease ( XX/XX/XXXX ). I returned the vehicle, all payments current. In XX/XX/XXXX, I received a notification that I had delinquent marks on my credit report by GM financial. They had marked my credit for late payments for XX/XX/XXXX-XX/XX/XXXX. In a panic, I contact GM financial. I was told it was an error on GMs end and that I would receive a letter and email to send to the credit reporting agencies to get the marks removed. They also indicated they would contact the credit reporting agencies on my behalf. Two weeks have passed and I have yet to receive anything in the mail or via email from GM financial, as promised. After checking my credit report, they have now marked XXXX late, which is also grossly inaccurate and negligent on their end. I contacted them again today to no avail and submitted a complaint via their website. I need this rectified, as GM is inaccurate reporting to the credit bureaus and damaging my credit without merit.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, Account Number XXXXhas violated my right 15 U.S.C 1681 Section 502 A. States I have the right to privacy.

`5 U.S.C 1681 Section 604 A Section 2.It also states consumer report agency can not furnish a account without my written instruction.
Product: Money transfer, virtual currency, or money service

I have made several attempts to reach someone at Paxful regarding the issue with my account. I havent been very sucessful, no one has even bothered to get back to me or adress my issue. I have been a Paxful customer for quite some time but raely use my account. I sucessfully completed a trade almost a week ago and havent been able to withdrawl my funds do to me being required to go through the verification process which I had already sucessfully completed it when I fist opened my acount months ago. So therefore something is wrong not to mention it says that I have ran out of attempte when I didnt even attempt to send my valid Id in the first place why would I if I already did in the past. I have almost {$60.00} just sitying in my account that I cant get to and the chat bot and submitting tickets us usekess when no one responds I want my funds asap.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX XXXX TransUnion for failing to property investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation.
Product: Debt collection

I DISPUTE THIS. 

On XX/XX/XXXX I received correspondence from you, ERC, regarding my paid off account with XXXX XXXX. This account was paid in full on XX/XX/XXXX. XXXX  XXXX XXXX acquired the account in XXXX and authorized a payoff of {$290.00} divided into two payments ; {$140.00} paid on XX/XX/XXXX and {$140.00} paid on XX/XX/XXXX. A satisfied in full letter was sent to me, which I will attach for your records. 

How dare you contact me regarding this account. You are now harassing me for a debt that I do not owe. I am disappointed that you have failed to maintain reasonable procedures to comply with the law. I will state here some of the obvious violations : 15 U.S.C. 1692e ( 5 ) concerns how I construe your collection efforts as FALSE THREATS TO TAKE ACTION THAT CAN NOT LEGALLY BE TAKEN. Also, 15 U.S.C. 1692e ( 10 ) concerns your use of FALSE AND DECEPTIVE MEANS to collect this alleged debt. 

Based on these facts and evidence that I have in hand, should you continue to do any of the following I shall be forced to pursue litigation against your firm in a County Court local to me and will seek {$5000.00} for each infraction of the FDCPA : Continue to contact me and attempt collection Report any portion of this alleged account to my consumer credit files Make reference to or report this alleged account to anyone for any reason without my written permission
Product: Checking or savings account

* In XX/XX/XXXX, when I logged on to the dmv website to check my driving license, I noticed that someone had changed my address and applied for a new driver 's license. On XX/XX/XXXX, I received an email message to see that my Chase balance had changed, and I realized that someone had used my ID and my Social Security number to withdraw money from my bank account, totaling {$900.00} on XX/XX/XXXX and {$1800.00} on XX/XX/XXXX. I immediately called Chase Bank and frozen and closed the bank account. The bank then told me they would refund the check to me, but the address was sent to the address the scammer had changed ( the scammer changed his address by signing up for online banking ), and after receiving the check, the scammer withdrew cash on XX/XX/XXXX at Chase Bank on XXXX XXXXXXXX XXXX XXXX  XXXX in XXXX. 

* When I continued to talk to Chase, the response from Chase was even more discouraging. Chase says my case is closed and has returned the {$1800.00} stolen from me. And the bank confirmed that I made it myself, if there are other doubts can only be the police, let the police investigation. 

* Address used by scammers : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a auto on XX/XX/XXXX and was horrified to find out Transunion is reporting a XXXX credit score. I have no late pays, no delinquent accounts, no outstanding balances, etc. for about six years. In fact, I have exceptional payment histories for all of my accounts. I have paid in full several accounts. Why is my credit score so low with Transunion? About 6 months ago I had a XXXX credit score. Something illegal is going on with this company 's reporting. 

I complained to XXXX XXXX XXXX about this Transunion credit score and she suggested using another credit bureau. Same thing with XXXX - XXXX credit score. My credit score should be going up and not down. No missed payments, no late payments, etc. I just paid off some credit card debt. XXXX XXXX XXXX approved me for an auto loan back in XXXX in which I paid in full in XXXX when I purchased an upgrade. XXXX refused to approve for the upgrade and I had no problem seeking finance with another company. Again, XX/XX/XXXX was declined due to high DTI. This is not true because I double-checked my credit report and no way am I XXXX DTI -- XXXX DTI. I believe this is personal because int the past I had a run in with XXXX of the finance reps. This is a dishonest company and is in violation of federal law -- retaliation.
Product: Checking or savings account

Capital One Bank sent a bonus incentive email to open a checking account and deposit {$2000.00}. I called and consulted with a banking representative on how to execute the account opening and receive a {$400.00} bonus. Based on the reps instructions I opened an account and deposited the money. I did not receive the bonus because Capital One says because I initiated the transfer from their website rather than an outside institution the offer is null. 
This seems like a similar deceptive practice to XXXX XXXX in order to get new accounts open to drive up stock price. 
I have filed a complaint with Capital One banking however they wait for resolution is 30 days. 
I opened the account as a test. I was considering using this account regularly however because I feel I did not receive what Capital One advertised I will not want to continue the banking relationship.