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

My XXXX  and I were scammed years ago in XX/XX/2023. During that time I had a Bank XXXX XXXX account. A person sent her an email telling her, her prom pictures looks beautiful they would like to purchase each pictures at {$500.00} a piece. So they tell her they would deposit check on the account once the check is clear send it back. Then they will send more money. Then the account ended up being suspended and closed because I couldnt pay back the money Ive been scammed for right away. I would like to get my name and my XXXX name removed from early warning. It wasnt her fault. She was scammed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a membership with Experian Credit Agency where they show me what's on my credit report, recommendations to improve credit score, etc. They'd referred me to look into a personal loan with a company called XXXX XXXX. I'd been verified and preapproved -- everything indicating there would be a 'soft ' inquiry on my credit so it wouldn't impact my credit score. In sending the final information requested, paycheck stubs, bank statements, etc., I receive a response that indicates they ARE NOT going to be able to assist me with the personal loan ( of {$4000.00} ) AND I now have a hard inquiry on my credit report. 

Based on recommendations FROM A CREDIT REPORTING AGENCY, I actually decreased by overall credit rating!! 

In attempts to contact Experian to discuss this with them, you only have access to a series of voice mail prompts none of which actually give you the option to speak to an agent. 

I would like the hard inquiry placed on my credit report from XXXX, XXXX XXXX  is the servicing agent so I think that's what actually appears on my credit report. 

UPSET BEYOND BELIEF THAT AN AGENCY THAT IS SUPPOSED TO ASSIST YOU ACTUALLY HURT MY OVERALL CREDIT RATING.
Product: Checking or savings account

I have THREE transactions I have been disputing with BBVA for several months now and have received NO word back from them after filing a report over the phone and submitting my complaint in writing. 

I have TWO outgoing wires that I do n't recognize and I know for a fact that I did not make. 

On XX/XX/XXXX there is an outgoing wire to XXXX XXXX XXXX XXXX On XXXX there is one to XXXX XXXX XXXX
Product: Credit reporting

When I checked my credit report through XXXX few days ago there were XXXX hard inquire deleted then couples days later those inquires are added again.I think that is not fair.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXX XXXX and would like for all listed items to be blocked and deleted company information from TransUnion. 

Please delete the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

In 2014 I was unable to make timely payments on my XXXX XXXX account which was serviced by Citibank. The account was referred to collections and charged off. I hadn't been able to make suitable arrangements and each month the account updated as being paid late although no payments were expected since the account had been charged off. 4 years later I received a XXXX indicating the debt has been cancelled. I had not been contacted for any collection activity on the account in 3 years. The account is now handled by XXXX XXXX XXXX XXXX. Since this account was originally charged off, how is it now considered forgiven debt when the original creditor wrote the debt off as bad debt already?
Product: Money transfers

I used the money gram money transfer to send money to an account directly on the XXXX/XXXX/2015 but my receiver did not get the funds.I got in touch with money gram to find out why the money was not transferred but they insist that from their records the transaction was successful which of course is not the case since no funds have been delivered in the account I sent money to.I requested for the proof of the transaction and they promised to send it to via email within the week but they didn't.I called again and they are still telling me the same thing to wait another week with no grantees.I got the impression that they did n't want to be bothered.
Product: Credit reporting or other personal consumer reports

I am writing for two ( 2 ) reasons : 1. To dispute certain information in my credit file ; and 2. To have you re-investigate and remove inaccurate information from my Credit Report and prevent its re-insertion. The item ( s ) I dispute are listed below and is inaccurate or incomplete. I am requesting that the item be investigated to correct the information. 
XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX
Product: Credit reporting or other personal consumer reports

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

This is not my account. 

CAPITAL ONE XXXX This is a case of identity theft. I need this removed from my credit reports immediately!
Product: Credit reporting or other personal consumer reports

I am filing this complaint against TransUnion for failing to remove two unvalidated debts from my credit report, despite clear evidence that these debts were not properly validated by the collection agency XXXX XXXX XXXX XXXX. This failure violates the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681i ( a ) ), which mandates the removal of unverifiable, inaccurate, or incomplete information from consumer credit reports.

Details of the Complaint Unvalidated Debts on My Credit Report : The debts in question are tied to XXXX XXXX XXXXXXXX with the following account numbers XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$4400.00} ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( {$4900.00} ) These accounts were previously managed by XXXX XXXX XXXX XXXX, which failed to validate them after I submitted a formal validation request. 
Actions Taken with XXXX XXXX XXXX XXXX : On XX/XX/year>, I sent a certified letter to XXXX XXXX XXXX XXXX requesting validation of the debts. 
On XX/XX/year>, XXXX XXXX responded, admitting they could not validate the debts because the accounts were no longer assigned to them. 
TransUnions Failure to Remove the Debts : Despite this clear lack of validation, TransUnion has allowed these unverifiable accounts to remain on my credit report. 
This constitutes a violation of the FCRA ( 15 U.S.C. 1681i ( a ) ), which requires credit reporting agencies to remove unverifiable information. 
Negative Impact on My Creditworthiness : The presence of these unvalidated debts on my TransUnion credit report has caused harm to my credit score, affecting my ability to obtain credit on fair terms. 
Relevant Legal Arguments FDCPA ( 15 U.S.C. 1692g ) : Debt collectors are required to validate debts upon a consumers request. XXXX XXXX failed to fulfill this obligation, rendering the debts invalid. 
FCRA ( 15 U.S.C. 1681i ( a ) ) : Credit reporting agencies are required to remove unverifiable, inaccurate, or incomplete information from consumer credit reports. TransUnion has failed to comply with this requirement.

Continuous Dispute Rights : When a debt is transferred to a new collector, that collector must validate the debt before attempting to collect or report it. XXXX XXXX failure to validate these debts while managing them renders them invalid and unreportable. 
TransUnion has failed to comply with its obligations under the FCRA by allowing unvalidated debts to remain on my credit report. This negligence has caused harm to my creditworthiness and financial well-being. I request immediate action to ensure these accounts are removed from my credit report and that TransUnion is held accountable for its noncompliance. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has mishandled my personal identity information during the data breach of XXXX XXXX. This information was lost to unknown third parties, including my Name, Social Security #, Birthdate, and Address. Equifax has confirmed I was affected through their " Potential Impact '' site www.equifaxsecurity2017.com. 

Equifax has put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties they are responsible for protecting up for " trial periods '' of their ID protection services. In addition, Equifax is simultaneously undermining the legal protections of these injured parties with hidden terms of service that waive their right to sue the company in what is a situation of extreme and possibly criminal negligence.
Product: Credit reporting, credit repair services, or other personal consumer reports

Comenity Bank claims I had a card XXXX/COMENITY/VICTORIA. I am XXXX and a victim of identity theft. They refused to process my opt-out and they repeatedly respond to the credit reporting agencies saying it's my account and it's not.
Product: Credit reporting, credit repair services, or other personal consumer reports

The lien holder, Bank of America, did not conduct the necessary due diligence at loan inception and the vehicle ( in this case an aircraft ) did not have a clear title. I only discovered this when I went to sell the vehicle and was advised that there was a title problem, therefore, I could not sell the vehicle in lieu of a clean title. I advised Bank of America that I was suspending further payments until the title issue was resolved. in the interim period, Bank of America sent the loan into collection. Three ( 3 ) months later Bank of America cleared the title problem, but did not advise me. Once it was discover that the title problem had been resolved, I promptly paid the outstanding balance. However, even though the loan is paid, Bank of America is still reporting to the credit agencies that it was " bad debt '' and that there is an outstanding balance - which there isn't, it's paid in full.
Product: Debt collection

I attempted to contact the company 5 times to get verification of debt. They claimed they could not give it to me and I would need to contact a different company. When I started that I needed verification from them, as they were the ones to supposedly purchase my debt I was talked down to and hung up on several times. Velocity Investments is the company.
Product: Checking or savings account

XXXX To whom it may concern : May I please receive some consideration for future investigations as a valued customer, regarding {$500.00} reversed from my checking account ending XXXX on XX/XX/2023. Because I thought the person contacted online was from XXXX, as a value customer this has put a negative impact on my finance, and Ive attached additional information as well as local police department report case number XXXX. Filed On XX/XX/2023 at XXXX XXXX XXXX at ( XXXX ) XXXX he texts me back immediate once I discovered it was a fraudulent activity conducted on XXXX XXXX approximately XXXX XXXX thru. app. Called any desk app. XXXX from Chase Claims Department took my complaint over the phone. 

Might I include the person I communicated over the phone however its not in order or date sequence XXXX XXXX at XXXX XXXX  Name XXXX at Chase Customer Claim Supervisor XXXX told me I was scam and no further action will be taken Best regards
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I sent a letter regarding inaccurate and unknown things on my credit report. It is now approaching 60 days later, a and I have not received a response. I feel like Im being taken advantage of, and my disputes are being ignored. Section 611 ( a ) plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove those accounts from my credit report. It has been almost 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will be seeking litigation due to the stress this has caused me. My information was also impacted by the XX/XX/XXXX data breach and may have fell into the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair Credit Reporting act XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Bank XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX  - XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX {$270.00} XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$3200.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$45000.00} XX/XX/XXXX XXXX  XXXX {$5100.00} XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX {$10000.00} XX/XX/XXXX XXXX  XXXX XXXX {$440.00} XX/XX/XXXX 15 U.S.C 1681 section 602 A. states i have the right to privacy 15 U.S.C 1681 section 602 A. Section 2 : IT also states a consumer reporting agency can not furnish a account without my written instructions.on. for 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.

15 U.S.C. 1666b A Creditor may not treat a payment on a credit card account under an open end consumer credit plan as late any reasons.
Product: Credit reporting or other personal consumer reports

My account with XXXXXXXX XXXX XXXXXXXX was never late! I have had exceptional payment history with XXXXXXXX XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported on my account to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX XXXXXXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2023 -- {$1500.00} XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/2023 -- {$1500.00} XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2023 -- {$350.00} XXXX XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/2023 -- {$1100.00}
Product: Bank account or service

The bank charges a {$3.00} fee to transfer funds electronically within 2 business days for customers with an every day checking account. The Bank does not identify the fee in its product documentation nor does it allow the user to adjust the '2 business day window ' when scheduling the transfer. In essence, this is a hidden fee to the user.
Product: Credit card or prepaid card

Target failed to notify me when I missed my payment. I was unaware of a mess payment until it hit my credit report and they lowered my limit by {$2000.00} without notification. I have reached out to target several times and they refused to remove the negative remark on my credit for a 30 day late payment over XXXX dollars. They never made me aware that my account was delinquent and have refused to give me any assistance. I have also contacted them through the XXXX XXXX XXXX and was unable to resolve with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, My name is XXXX XXXX XXXX and I am reaching out to complain on XX/XX/XXXX for their not of response and reporting. I have done everything and followed every step on removing false accounts that are reporting and still have not heard anything. It has passed the 30 days multiple times and at this point, and nothing has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several certified letters, that are dated, that have everything listed in detail, that have everything required and they still done anything to remove them. I am very frustrated at the point and need to get these accounts removed as soon as possible. 

I will be listing some dates below that I have sent out to them : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY RECEIVED THE LETTERS.
Product: Credit card

Please review the attached documents. I urge the bureau to begin an investigation into these accounts, as I have never been late, yet they are incorrectly reporting me as such.
Product: Payday loan, title loan, or personal loan

We called Chrysler Capital to get the payoff for my wifes 'XX/XX/2019XXXX XXXX. We were told to remit a cashiers ' check from our bank in that amount and have it sent next day certified mail, which we did. The cashiers ' check arrived 2 days later and was credited to our account that night. Two days later we checked again and saw the same thing and that our account was paid in full. 

Three weeks later all credit reporting showed the account was still not paid. Got back online to Chrysler Capital and found that the cashiers check had been credited then removed from our account three days later. No email was sent, no letters received, no calls from Chrysler Capital. We called them and got the runaround that we never made a payment, then the check was made our wrong, then that our bank ( XXXX XXXX XXXX XXXX ) denied the check, which per XXXX XXXX, is not true, as a cashiers ' check is seen as cash. No one from Chrysler Capital contacted our bank, and we verified that the image of the check was correct with routing and account numbers. 

So now, until i can wait out the time until XXXX XXXX considers this a lost check, I am out {$18000.00}. Chrysler 's advice? Send them a personal check in the same amount. This is ridiculous and bordering on the criminal. It doesn't help that Chrysler Capital allows no payoffs more than {$2900.00}. I'm disgusted. And from what I have seen online, they probably should have been investigated before this.
Product: Debt collection

XX/XX/2017, I was contacted by XXXX XXXX  regarding a debt to XXXX XXXX XXXX XXXX. The person who took the call indicated that my account was in default and to be removed from default status, I need to setup a payment plan. I was told that I needed to make 9 payments of {$5.00}, once the 9th payment is received my account would be moved out of default. During the call, I was asked a series of financial questions. After provided this information I was told that I would receive information regarding the debt and payment plan. I never received. 
I was told that I needed to setup payment to be withdrawn from my bank account. I advised the person that I would send certified money orders to the XXXX XXXX XXXX - XXXX XXXX XXXX, XXXX, GA XXXX. I sent multiple payments to the PO in XXXX, which I was told they received. I was told that I would receive information regarding the debt and payment plan, which I never received. I contacted the XXXX XXXX XXXX in XXXX and was advised by supervisor that my account was not on a payment plan and that I needed to contact the collections agency. I did. And was told they had no clue to what I was speaking. After multiple calls to a collections rep. who indicated that the person I spoke with back in 2017 failed to do their job. XXXX indicated that she would set the account up on a payment plan. I then called the XXXX back and asked to speak with a supervisor who assisted me on filing a formal complaint against the collection agency for failing to do their job properly. Which is to provide detail information on the payment plan from 2017 and any related information pertaining to the account. I was not advised how to dispute the amount/debt which I feel the amount is incorrect. I've reached out to them ( XXXX and XXXX XXXX  ) many times for additional information and have not received anything. Please help.