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

TODAYS DATE:XX/XX/XXXX XXXX, XXXX XXXX SOC SEC XXXX XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX FL XXXX Equifax XXXX. XXXX XXXX XXXX XXXX, GA XXXX XXXX  Dispute Department XXXX. XXXX XXXX XXXX, Texas XXXX XXXX  XXXX XXXX, XXXX. XXXX XXXX XXXX, PA XXXX XXXX. 


I recently submitted a request for investigation of an Acct Number : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$4000.00} REV {$0.00} {$0.00} {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Late Dates : XXXX AUTHORIZED USER Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your XX/XX/XXXX system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in Cushman v TransUnion, Stevenson v. TRW ( Experian ), and Richardson v. Fleet, Equifax et, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the XXXX system that doesnt even contain my reasons for the dispute is not reasonable. 

If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 



XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX
Product: Mortgage

XXXX XXXXLoanCare currently has my XXXX mortgage payments calculated at a higher rate than what is legally due. At this time the correct amount for my monthly escrow is {$1200.00} not {$1400.00}. Annual taxes on my property are {$10000.00}. Homeowners Insurance annual is {$2300.00}. Considering the fact that the law has strict guidelines on max cushion amount of one sixth of the annual escrow disbursements, I am currently owed a refund of {$1600.00} before my XXXX payment is applied. Further my mortgage payment is not accurate at {$3900.00}. My payment due for XXXX and forth should be {$3700.00}. XXXX XXXX/LoanCare has collected an overage of {$1600.00} in escrow payments for the year XXXX and is overcharging my mortgage by {$230.00} for year XXXX. An escrow analysis should have already been done last month. I am requesting my refund immediately. I am requesting monthly mortgage payment accuracy immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

1.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : Listed below are the Accounts that are being challenged XXXX XXXX XXXXXXXX XXXX - XXXX XXXX - XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

These companies all have fraudulently accessed my credit report without my signed consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX have received have inaccurate information being reported on my consumer report. There's inquiries I never gave permissible purpose for. I did file an indent theft complaint as well which I mailed to the company XXXX with a list of inquiries needed to be address. This gave mishap is negatively affecting my livelihood. Congress clearly state in the FCRA I must provide written instructions prior to my information being given out which I did not provide at any time.
Product: Debt collection

Original Debt is from XXXX in the amount of {$15000.00}. The only time I have contacted XXXX reguard this debt is when I was not able to make any payments on this debt. 

Credit Report states as of XX/XX/XXXX : Account delinquent 180 days past due date : Unpaid balance reported as a loss by credit Guarantor. Account closed by credit grantor : Last paid XX/XX/XXXX. 

XXXX has been mailing me settlement statements for settlement in the amount of {$6800.00} in 8 payments of {$760.00} and 1 payment of XXXX. 

Now, I have started receiving letters from Revco with a threat of judgment in the amount of {$15000.00}. In addition, they have been calling my phone under multiple different phone numbers. 

I have contacted the three Credit Bureaus multiple times to dispute.
Product: Checking or savings account

HI, I opened capital one bank checking ( account ending XXXX ) on XX/XX/XXXX and made direct deposit {$250.00} and few days later ( XX/XX/XXXX ) funds in the account was not accessible, I checked online banking it shows Your funds are currently not available for withdrawal. Please call us at XXXX. I contact the customer care on XX/XX/XXXX and they told they are investigating account and will back within few days. On every month I am contacting customer care to allow to withdraw {$250.00} but every time they are saying they are still investigating. 

Can you help me in this matter to get the funds ( {$250.00} ) and close my account with capital one.
Product: Bank account or service

Manufacturers and Trust company dba M & T bank ( New York ) has paid a disputed transaction. I contacted the vendor and they stated that I DID NOT have an account with them. M & T bank contacted the vendor and it was stated I had an account, which if so, I do not know where the magazines are going. When this first charge appeared on my account I made contact with both the vendor and M & T bank.This XXXX XXXX scam has been ongoing for years. M & T bank hides behind the underpaid telephone representative while in the era of identity theft and bank scams and the only recourse I have is to submit another letter or more proof to a fax number that I do not know where it may go or who may see it. I am not satisfied with the way M & T bank safeguards my money. The transaction date : XXXX/XXXX/15 description TIMEXXXX IS FRAUDULENT. Transaction amount is {$59.00}. I insist that they return my funds. In addition, M & T bank needs better communication between consumers and their so called investigators, or the ability to speak directly with those so called investigators.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I was informed that my XXXX credit card account was in default for several months, even though a had set up the automatic bank debit feature, as all other accounts in my possession, the bank account was not debited and they reported me to the credit reporting agencies lowering my score considerably. On XX/XX/XXXX, I called the company and talked to four different people and was transferred four times, this took over an hour, it was impossible to reach the right department. Proceeded to place another complaint through the web page and they are not responding again.
Product: Credit card or prepaid card

I opened an Amazon credit card with Synchrony bank. They charged me for XXXX XXXX {$14.00} a month. I paid it twice before I noticed. When I noticed the fee I called to complain, requested a refund and to close account to no avail. Today I was charged {$14.00} again. I called XXXX numbers to close account, request refund and cancel prime membership. They had me sign into account verify calls etc. Then i get an email stating that they are closing current account for fraud and sending me a new card. Amazon is committing the fraud amazon is the one charginf me fees. I dont want a new amazon card its amazon thats causing the problem. They wont stop charging me or close the account. I want Amazon and Synchrony to close the account and stop billing me for services I dont want and did not request.
Product: Debt collection

Company sent out letter to setlle XXXX for XXXX. They said they would stop collection efforts etc. i paid the amount. Yet they are still attempting to volkect by saying that i have a balance of over 3k. I was told once the settlement was collected it would reflect a XXXX balance. They lied.
Product: Money transfer, virtual currency, or money service

RobinHood app is withholding my access to my own account - money and XXXX XXXX at over {$4000.00} as of today XX/XX/year>. They have provided no information as to why, despite my calling and speaking with a living man " XXXX. '' I was not told why I can not access my account, only that I can not while it is " under review ''. I can not trade or access my funds, possibly indefinitely, as no reason whatsoever has been given for this offense.
Product: Debt collection

Called AT & T to advise account was not mine and account was closed as it was not mine. All of a sudden, I am not getting bills for an account that was closed by AT & T for fraud. Tried to contact company and explain this to them but they don't care and continue to send me bills.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXXXXXX, KY XXXX ; XXXXXXXX XXXX XXXX XXXX XXXXXXXX, KY XXXX ; XXXX OF XXXX XXXX XXXX : {$5100.00} ; 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 reporting or other personal consumer reports

I was reviewing my consumer report and noticed these frivolous items from my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I checked my credit report on XXXX XXXX and I had a total of 19 collection accounts & 4 hard inquiries removed from my report. I checked my account again on XX/XX/XXXX and I saw that all 19 collection accounts & 4 hard inquiries were placed back onto my credit without sending me a reinsertion letter as required by FCRA section 611. I have called XXXX several times since the incident to try to get this issue resolved but I have not received any help. Reps wo n't assist me nor will they transfer me to the fraud department telling me that they know what happened but they ca n't help me so basically it 's too bad & that I should file a complaint because they wo n't fix the issue. I have faxed proof that I was affected including screenshots of the removals/re-entries to XXXX but they continually say theyve not received anything from me. Since then I have successfully had the original creditors remove some of them from my credit file after theyve confirmed and validated the accounts as false. Also since then, XXXX has added a recording that can be heard when calling their toll free numbers ( XXXX ) XXXX & ( XXXX ) XXXX explaining and admitting to technical issues taking place on the dates between XXXX XXXX & XX/XX/XXXX XX/XX/XXXX that affect account and inquiries being removed and added back on.
Product: Credit reporting or other personal consumer reports

I am writing to dispute several inaccurate and potentially fraudulent items that have appeared on my credit report. Under Section 611 of the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), I am requesting an immediate investigation into the following entries and their subsequent removal from my credit report, as they are not associated with any accounts I have opened or authorized : XXXX XXXX XXXX Reported : XX/XX/XXXX Amount : {$630.00} XXXX XXXX XXXX / XXXX Reported : XX/XX/XXXX Amount : {$0.00} Status : Closed XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Reported : XX/XX/XXXX Amount : {$0.00} Status : Closed XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reported : XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the 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. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX, FL, XXXX XXXX XXXX XXXX, XXXX, NY, XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX BALANCE : {$0.00} XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX NY XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX FL, XXXX XXXX XXXX XXXX, XXXX, NY, XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

According to THE FCRA I did not give NATIONAL CREDIT SYSTEM ( XXXX XXXX XXXX ) and ( XXXX XXXX ) any permission to furnish any information I did not give written consent or verbal consent, that is a clear violation of 15 u.s code 1681b please remove from my credit report immediately!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not owe any debts to XXXX XXXX. This company has violated my rights under the FCRA. XXXX XXXX by law had a responsibility to notify in writing of any debts owed to them prior to reporting to any third party credit agencies. They did not do so and can not provide any written documentation addressed to me. 

I filled for bankruptcy In XXXX of XXXX. XXXX claims that the debt owed to them is from XXXX. If that was true when I filled for bankruptcy in XXXX of XXXX XXXX XXXX had a legal obligation to appear in court and file for anything they felt was owed. They did not because they I did not then or now owe a debt to them. 

Also, because my bankruptcy was public my address was on file for XXXX XXXX to contact me regarding the debt. This debt is not owed. This is not a valid debt. Any further attempts to collect this debt will result in legal action against XXXX XXXX for violating my rights.
Product: Credit reporting or other personal consumer reports

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX and I am reporting misleading information. There is no filing this complaint for falsely third party involved. Please review the uploaded letters.
Product: Credit reporting or other personal consumer reports

I have identified inquiries, collections, and accounts on my consumer report that has been furnished without my written consent, instructions, or permissible purpose which is Breach of privacy. No consent is identity theft. INQUIRIES : XXXXXXXX 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 XXXXXX/XX/year> Please see attachments for proof of identity, and identity theft report with police case reference.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Information on Credit Report and violation to the Fair credit reporting act. 
I am submitting this complaint against Transunion regarding the inaccurate information reported on my credit report, which violates the Fair Credit Reporting Act ( FCRA ). 
I checked my credit report and discovered discrepancies in the following accounts : XXXX XXXX XXXX ( account number : XXXX ) XXXX XXXX XXXX XXXX ( account number : XXXX ) XXXX XXXX XXXX ( account number : XXXX ) XXXX XXXX ( account number : XXXX ) Under Section 611 of the FCRA, I have the right to dispute inaccuracies and request prompt investigation. 
I formally requested a reinvestigation of the account information and cited relevant sections of the FCRA, including : 1. Section 609 ( a ) ( 1 ) ( A ) : Requirement for verification of accounts through original documentation.

2. Section 611 : Right to dispute inaccuracies and request investigation.

3. Section 623 ( a ) ( 5 ) : Removal of unverifiable information dont validated for creditor Original. 
4. 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy Despite my request, Transunion has failed to conduct a thorough investigation or resolve these discrepancies within the required timeframe of 30 days. This negligence has led to the continued reporting of false information, which has negatively impacted my creditworthiness. 
In my request, I emphasized that any unverifiable information should be removed from my credit report INMEDEDIATLY within the mandated 30-day period, as established in 15 U.S. Code 1681i. Additionally, I referenced 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy. Furthermore, under 15 U.S. Code 1681s-2, furnishers of information are required to investigate and correct inaccurate information upon notice of a dispute.
Product: Debt collection

I am disputing Midland Funding I have never had a dept or agreement with this company I am requesting proof or a written agreement that I have with this company this company is trying to collect from me and I do not owe them I am requesting that they remove this negativity from my report immediately
Product: Checking or savings account

At XXXX XXXX on XX/XX/2023 I received a text message from Wells Fargo XXXX me that my checking account balance was - {$49.00} ( it is attached ). This was due to a {$66.00} payment from life insurance being drafted from my account. 

Wells Fargo has started a new initiative called Extra Day Grace Period ( EDGP ), giving XXXX customers XXXX days, instead of XXXX, to make deposits before XXXX EST ( XXXX ) to cover any overdraft and avoid fees. Here 's the information on XXXX : XXXX : XXXX XXXX I have XXXX I got to work to cover that negative balance from the {$66.00}, I had already deposited {$16.00} at an ATM on XX/XX/2023 before XXXX XXXX ( also attached ), then the {$66.00} hit my account after that, and I had already scheduled a {$50.00} deposit from an outside account to go into my Checking too, that transaction deposited same day, later on before XXXX XXXX ( attached ). Which brought my balance to {$0.00}, inside of the XXXX days. 


I found out today a {$35.00} overdraft fee was assessed on the {$66.00} transaction. Yet again, Wells Fargo " stacked '' aka reordered transactions around to create an overdraft fee. Even though the funds covered the {$66.00}, per their own XXXX guidelines / policy. 

I want the XXXX {$35.00} fee refunded back to, eliminated, and credited back to my account.
Product: Bank account or service

I received a money order from a tenant and misplaced it for over one year, but it was not three years old. It was purchased through Western Union Financial Services. Western Union claims that it is no longer any good and needs to be reissued for a large fee. I understand that a money order in the state of Texas is not abandoned unless it three years old from the date of purchase under the Texas Property Code, Chapter 72 Sub chapter B page 4. It appears that Money order companies makes the own rules and regulation that does not coincide with state and federal laws to rip off consumers because of misfortune of an accident. 

I called Western Union and they want a large fee to replace it. A fee had already been paid to purchase it so why would they not honor their check. Western Union States on the back of their check, Not good after XXXX year from date of purchase. There will be a non refundable service charge will be deducted from the face value of the check to be assessed where not prohibited by law. 

I called XXXX XXXX who the check was drawn on. They could not help. I called the Federal Trade Commission and they directed this matter to this office.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX XXXX filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the collection agency however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to be deleted.
Product: Credit reporting or other personal consumer reports

Upon checking my credit report, I discovered multiple errors, including late payments that are inconsistent with my regular payment behavior.
Product: Consumer Loan

Opened an Auto Loan from Chase and made my first payment ~10 days early. Chase calls the other day and tells me that my first payment is late, DESPITE seeing the payment I had made on my account. When I explained to the representative who called what happened, she said that if you make payments via the automated phone system, then the payment will go to principle sometimes. She said she would take care of it but I still do n't know if this impacted my credit or my standing with Chase.
Product: Credit reporting, credit repair services, or other personal consumer reports

The above three accounts ( Discover, XXXX XXXX, and XXXX ) appear exactly as attached hereto on my credit report, but must be removed immediately. I have previously written each of the above fake " creditors '' a minimum of six times certified mail about the above accounts, which appear erroneously on my credit report. Under the Fair Debt Collection Practices Act ( and the Fair Credit Reporting Act ) these three companies ' repeated lack of any valid response by itself means that the CFPB should take legal action immediately. In addition to lack of response, the very data from the reports themselves copied above from my credit report all indicate that each account is WAY more than 7 years old, which in and of itself is dispositive. To be clear, these three accounts are not, nor were they ever, in my personal name nor guaranteed by me, and they are also more than seven years old, as the above " re '' notations demonstrate. What apparently is happening is that these companies are Illegally attempting to use fraudulently much more recent dates - the dates when the companies finally unilaterally got around to " writing off '' the amounts owed -- because these 3 companies knew that they could not win a lawsuit because the debts were not and never were mine. In sum, none of these accounts was ever in my personal name or guaranteed by me, all 3 are ADMITTEDLY, by the information provided above, more than 7 years old. 
These companies scoff at federal law and essentially say, " sue us, '' which suit enforcing the FCRA is really the responsibility of the federal government law enforcement agencies, not individual consumers like me. I have written the CFPB before about this matter previously but have not received a response.Whatever the next step is, lets take it!