23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

My Target Red Card statement ( through TD Bank ) became available on XX/XX/2019. I paid my bill in full on Thursday, XX/XX/2019 in the amount of {$620.00}. 

On Friday, XX/XX/2019 the funds were pulled from my checking account. 

On Saturday, XX/XX/XXXX, I attempt to use my Red Card to make a purchase and my card was declined. That is when I discovered that my available credit had not changed, even though I had paid my bill approximately 8 days before. 

On Wednesday, XX/XX/XXXX, I log into my Red Card, and see that my available credit still has not changed. 

I call the 1-800 number, and the first person I talk to claims that the reason my payment has not been applied is because the money has not been withdrawn from my checking account, that it is still pending. I tell him that is not the case, the money had already been withdrawn. He then says its because theyre waiting for confirmation from my bank to make sure my payment isnt fraudulent. I have made numerous payments on my card, all from my same checking account, and there has been no issue. I asked to speak with a manager at that point since the story kept changing. 

When speaking with a manager, he told me that the information I was told originally was incorrect, and that it can just take several weeks to process a payment. I ask why it takes that long, the money has been out of my account for 12 days at this point, and I am unable to use my Red Card until my payment goes through because I have no available credit. The whole purpose of getting the Red Card is to save 5 % on my purchases, so at this point it is not doing me any good. 

He offers to keep me on the line while we call my bank so that they can confirm the payment has cleared my account and he can adjust my credit. I tell him I am uncomfortable with that, because if we do that I need to confirm lots of information, including a security code that only my bank has. He says that is my only option, otherwise I just need to keep waiting. 

I asked several times where the money is while its in limbo and he said he has no idea.
Product: Credit reporting or other personal consumer reports

After reviewing my Consumer Credit Report, I observed that your agency is in violation of multiple regulations, entitling me to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) related to the furnishing of reports in credit or insurance transactions not initiated by the consumer ( Inquiries ). According to the mentioned code : A consumer reporting agency can only provide a consumer report in connection with a credit or insurance transaction not initiated by the consumer if : ( A ) the consumer authorizes the agency to provide the report, or ( B ) ( i ) the transaction involves a firm offer of credit or insurance.

Furthermore, regarding inquiries, a consumer reporting agency is prohibited from furnishing a record of inquiries in connection with a credit or insurance transaction not initiated by the consumer, except as provided in section 1681g ( a ) ( 5 ) of this title.

Under FCRA 15 U.S. Code 1681n ( b ) ( B ), in the case of liability for obtaining a consumer report under false pretenses or without a permissible purpose, the consumer is entitled to actual damages or {$1000.00}, whichever is greater, and punitive damages as allowed by the court. 

I did not initiate any of these inquiries, and if you believe otherwise, please provide copies of my written signature giving consent to this matter. 

I request the removal of the items listed below from my consumer report under 15 US Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ). 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Under 15 US Code 1681n ( b ), I believe a natural person 's civil liability has been violated. We have already reported this matter to the Complaint portals of the Consumer Financial Protection Bureau, State Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission. 

For any questions or additional information, please contact me at the address listed above.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. I filed a police report and a FTC report and sent it to the credit reporting agencies. They are not processing my disputes correctly according to the FCRA and not attaching my paperwork to the disputes. And I am not getting copies of the verification process
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX US DEPT ED DPT ED/XXXX US DEPARTMENT OF EDU XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX US DEPT ED DPT ED/XXXX US DEPARTMENT OF EDU XXXX XXXX XXXX XXXX XXXX   XXXX, PA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX US DEPT ED DPT ED/XXXX US DEPARTMENT OF EDU
Product: Credit card or prepaid card

Since I upgraded to the Macy 's American Express card, I am unable to see any transaction on the activity section of my online account. I have contacted technical support multiple times. I heard multiple reasons as to why is it not working, from removing the card from the online profile, then adding it again, which did not fix the problem ; to only transactions made at Macy 's will show there, which seems strange seems why would they offer an American Express version with such a limited online system.
Product: Checking or savings account

A hotel over charged me and told me to call my bank. I called my bank and was told to call the hotel to see if they can do a reverse. The hotel then told me there was nothing they could do and I had to speak with my bank. I called my bank back and was told that one of the charges was drop but it wasnt going to reflect in my account even though the hotel was the one to over charge me. Navy federal then proceeded to put my account in the negatives and overcharge me. I stayed at the hotel for 4 nights which was XXXXXXXX XXXX a night. The hotel charged me XXXX four times. When I should have been charged XXXX only twice. Only one of the XXXX was dropped but not the other one. Navy federal said my payment was pending and when it posted extra money was taking out of my account.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax 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, Equifax '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 Equifax complies with federal law and provides consumers with the necessary proof of investigation. The accounts that I have marked as inaccurate are from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of XXXX XXXX XXXX  lost our XXXX Mortgage payment. We were sending them checks via receipt requested certified mail due to our filing chapter XXXX bankruptcy in XX/XX/XXXX. We have proof ( attached ) that the check arrived at XXXX XXXX  but was never processed. When we discovered our payment had not cleared the credit union my wife call XXXX XXXX. They advised us to wait a couple of days and the payment would be credited to the day they received it. After two more days my wife called again. The Supervisor suggested we  cancel the check and send in another check. We sent in XXXX and XXXX payment on the same check. ( attached ) ( Our concern was our Bankruptcy was due to be discharged in XXXX and if we were late on the Mortgage it would void our bankruptcy after 59 of 60 payments to the court ) Attached are  records of correspondence with XXXX XXXX  : 1. 13 phone calls with dates and names of XXXX XXXX  representatives from XX/XX/XXXX to XX/XX/XXXX trying to get this straightened out. 
2. Canceled checks and electronic transfer records showing we have NEVER been late during the time in question. 
3. Copies of credit reports showing XXXX XXXX  has reported us 30 days late on numerous occasions. 
4. Credit report showing XX/XX/XXXX payment was credited on XX/XX/XXXX and still reported 30 days late for XXXX. 

Since our Bankruptcy was discharged we have been unable to purchase a much needed replacement vehicle due to subprime interest rates. XXXX credit score was XXXX now due to incorrect multiple 30 day late reported XXXX. 

As you will see by the attached documentation I hope other XXXX XXXX  customers aren't put through what we have been through. Please help!!!
Product: Checking or savings account

On XX/XX/2018 someone called Chase bank and claimed that they had made an ATM deposit of {$950.00} in cash but it did not appear on their receipt. Which the bank has never told us where this alleged deposit occurred. Then on XX/XX/XXXX someone XXXX to an ATM in XXXX XXXX Florida across from The XXXX XXXX ( which my son has never been to ) and withdrew {$500.00} then a couple hours later went to the ATM across from The XXXX XXXX and withdrew {$440.00}. On XXXX XXXX, XXXX XXXX and XXXX XXXX went to the Chase bank On XXXX XXXX and made a formal complaint on the account the bank made a reversal of funds pending investigation. They asked XXXX to file a police report which he did report # XXXX and after no investigation they undid the reversal and Then on XX/XX/2018 they removed {$950.00} from XXXX XXXX 's saving account and closed they case. I then called the bank pleading that this was a mistake. They said they reopened the case but still will not provide the location of the first transaction, what phone number called in to make original complaint, and if they ever looked at the footage. My son did not give his card to anyone or does he ever remember it being out of his possession so the bank just assumes that my son is involved. Why would we file a police report? We even offered to sign an affidavit of our non-involvement in this thief but the bank got their money back so they will not help their client of more than 20 years. Whoever did this I am willing to prosecute to the fullest of the law and now the bank won't give me any information They are now Telling me I will have to get a subpoena and investigate my own case. Please Someone HELP ME!!!!!!!!
Product: Credit reporting or other personal consumer reports

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXX XXXX : {$410.00} XXXX XXXXXXXX Balance : {$670.00} XXXX XXXX XXXX Balance : {$430.00} XXXX XXXX XXXX XXXXXXXX Balance : {$100.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$2500.00} XXXX XXXX XXXX {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX XXXX : {$0.00} XXXX  XXXX Balance XXXX {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00}
Product: Debt collection

I had a invoice that was covered by Medicaid that due to a clerical error was late getting paid, due to no fault of mine. It went to a collection agency. I called as soon as I was notified and gave them the information they needed to remove this debit from their ledger and was assured the matter was closed. They still reported me to reporting agencies and my credit score lost XXXX points while I was in the process of getting a home loan which very negatively impacted my ability to get a loan. They have made no effort to call me to resolve the issue after I have attempted to make contact with them multiple times.
Product: Credit reporting, credit repair services, or other personal consumer reports

My complaint is against Suntrust who I believe is now Truist Bank. My complaint is for Suntrust failing to take action to remove an unauthorized credit inquiry on my credit report from Suntrust. On XXXX 2021 I purchased a vehicle from XXXX XXXX. Before making The purchase by without the assistance of XXXX applied and obtained an auto loan using XXXX XXXXXXXX XXXX. While XXXX was processing the paperwork they made a mistake and applied for financing though several banks including Suntrust without my permission. XXXX has sent a certified letter to Suntrust and others explaining this mistake and ask them to contact XXXX to have this hard credit inquiry removed from my credit report. I have also sent a certified letter to Suntrust asking them to contact XXXX to have this inquiry removed because it was not authorized by me and is having a negative affect on my credit report, my loan applications and my acquisition of credit. I have since wrote several letters and made numerous phone calls to Suntrust since these first letters were sent. Suntrust has not responded at all. Each time I call Suntrust Im told the complaint will be forwarded to the Suntrust credit reporting department and Im given a reference number. Every time I call back for an update Im told the previous reference numbers do not bring up a case and I must start the complaint all over again. I have contacted XXXX and Im told I do have the right to have this inquiry removed since it wasnt authorized by me. XXXX also explained to me that ti have this inquiry removed the removal should be requested by the creditor that did the inquiry which is Suntrust. When XXXX made this error applying for loans in my name they applied to several other banks creating many credit inquiries. All of the others with the exception of one have contacted the credit bureaus requesting these inquiries be removed. So far most have been removed with a couple still pending with the credit bureaus. I am requesting Suntrust contacts XXXX Credit Bureau and asks that this credit inquiry be removed from my credit report since it was done in error.
Product: Debt collection

Commonwealth finance is reporting a debt that is alleged to have been open in Texas in XXXX and I have not resided there since XXXX. The original creditor could not provide proof which is why the account had already been deleted. Now commonwealth is reporting with false dates on one credit report and on another the entire file is basically blank. I never evieved correspondance from the bedt collector giving a 30 day notice of insertion with the ability to dispute or a dunning letter. In light of the false and incomplete data reported by law the bureaus must remove!
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed my credit report and found unauthorized inquiries. 

I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 

According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. 

Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, 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 Inquiry : XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XX/XX/XXXX Inquiry : XXXX XXXXXX/XX/XXXX Inquiry : XXXX XXXX XXXXXX/XX/XXXX Inquiry : XXXX XXXX XX/XX/XXXX Inquiry : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Inquiry : XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account from XXXX XXXX XXXX, has violated my rights. 

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
Product: Debt collection

I have contacted kimball tirey & st. john to discuss a large collection that appeared on my credit record. They informed me it was from a lease that was for an apartment my x wife had in her name only. I explained to them I was not a part of that and the contract was signed by her only before we were married. I requested multiple times they provide me a copy of the contract they told me I signed. They refused on every occasion. They also have it in dispute with the credit agencies I have explained to them I am trying to purchase a house and this is holding me up. They said they will hold me buying a house up unless I pay them and they would also not do anything about the dispute.
Product: Checking or savings account

I have 2 banks XXXX XXXX that I owe {$2000.00} and Santander bank that I owe almost {$3000.00} that I cant be able to open an account someone used my id and social to obtain a debit and credit without my permission and I was told to pay it back to the bank when I haven't opened the account. I have a lot of fraud going on someone is using my information to open accounts and using my name to claim I did and I am responsible to pay back every penny. I also confronted it to the bank but they cant be able to help me. Please help how can I can go about doing so. thank you
Product: Credit reporting or other personal consumer reports

I submitted a dispute of the following accounts on XX/XX/year>, which were received by Transunion through XXXX Certified Mail on XX/XX/year> : XXXX XXXX account XXXX XXXX Transunion responded XXXX XX/XX/year>, which was more than 30 days. 

Also, when I requested verification of the accounts, Transunion provided ambiguous information on their investigation procedures. Transunion did not provide a description of the procedure used to determine the accuracy and completeness of the information.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected from erroneous reporting in my file are listed on my credit report : BANK XXXX XXXX XXXX XXXX XXXX XXXX OF WO XXXX BANK OF XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX  XX/XX/2020
Product: Credit reporting, credit repair services, or other personal consumer reports

Please REMOVE any and all fraud alerts and statements associated with my credit file.
Product: Debt collection

I notice that I have some errors in my credit reports and it keeps me annoyed, I want you to remove this fraudulent account asap. 
PORTFOLIO, balance is {$3300.00}, and account # XXXX
Product: Credit reporting

This in a complaint against the credit bureau Expirian, cist who are violating federal law credit, my case is next, I am a victim of identity theft and have sent them more than 7 times this support police report where are each of the ditches that were opened under fraud without my permission, I call every day and for the abuse towards me is having me for over an hour for the department fraud treat me and have the nerve to not attend the call and the call of waiting falls, I could only communicate with the department of disputes and they can not do anything, I 'm a little tired degastada this situation XXXX.