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

After the recent data breach where my SS # was released I froze my credit reports. XXXX and XXXX were both quick and simple. TransUnion however has me behind a paywall. I assumed this was some sort of error that would be fixed in short order. Fast forward to today ( XX/XX/year> ) I am still behind a paywall. I opened a chat with a TU representative ( AI I think ) and was told to either pay or create a new account. I was very surprised that they insisted on the paywall and that the way around it was to create a new account. That raised some questions that the ( AI? ) refused to answer. Will the accounts merge, or lose data when they do? This is no streaming service, I don't want XXXX accounts. The standard response of the ( AI? ) was " we are sorry for the inconvenience ''. I tried over the phone, no live representatives. The automated system was slowly working its way through, then I was disconnected. Same results on the second phone attempt. Would I be disconnected if I paid? 
For the record my TransUnion account is still unfrozen and accessible to anyone who runs my credit weeks after I began the attempt to freeze it because I wont pay them. I have to wonder, how many people did they get to just give up and pay them. There must have been a stampede of people trying to freeze files after the data breach. They probably made XXXX. Which will be ongoing as they led people to believe they needed to pay to have control over their reports. 
To cut through the babble above. I would like TransUnion to allow me a single account that has access to freeze or unfreeze my credit report when I see fit as required by law.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and notice an account that was not reporting accurately. I had ( 1 ) late payments on my account that i was in fact paid on time. The consumer reporting agencies have need to report all information with complete accuracy. This account has not been late on payments I've attached a copy of my report to this complaint on the following dates. ( XX/XX/year> ) I'm now requesting you to investigate and provide verifiable proof with records showing that i had late payments. If this information can not be verified i demand these payments be updated to paid on time immediately. Thank you for understanding and prompt action.
Product: Credit reporting or other personal consumer reports

I viewed my credit report and seen that I received a late payment notice, this information is false. All payments have been made on time, this is affecting my credit report/score and pushing me further back with things that I would like to accomplish.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please return my XXXXXXXX XXXX INSTALLMENT LOAN BACK TO REGULAR I DID NOT DISPUTE THIS ACCOUNT I REPEAT I DID NOT DISPUTE THIS ACCOUNT NOR DID I ASK YOU ALL TO DISPUTE OR INVESTIGATE IT THANK YOU
Product: Credit reporting or other personal consumer reports

Experian raised my score to XXXX last month after my complaint. Today I received notification that they dropped it down XXXX points with no change to my report. They tell me they cant tell me exactly why this keeps happening, but it has caused denial of credit by XXXX. I cant live my life with my credit score jumping XXXX points up or down, and I cant even begin to correct the problem without knowing why it keeps happening.
Product: Debt collection

I never recieved verification about the debt. Please remove from credit report
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information appearing on my credit report, as provided under the Fair Credit Reporting Act ( FCRA ). Specifically, I believe the accounts listed below are inaccurate or unverifiable and are causing harm to my credit profile. 

The accounts in question are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Account # XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to the FCRA, credit reporting agencies are required to maintain accurate and verifiable records. I am requesting a thorough investigation into the accuracy of these accounts. If the information can not be verified, I kindly request that the accounts be deleted from my credit file in accordance with the FCRA.

Additionally, under 15 U.S.C. 1681o, a credit reporting agency may be held liable for negligence if it fails to uphold its duty to report accurate information. I trust that your agency will handle this matter with the utmost attention to avoid further complications. 

I have included copies of my identification, proof of address, and any relevant supporting documents to assist with your investigation. Please conduct your review and provide me with written confirmation of the results of your investigation. 

If these accounts can not be verified or are deemed inaccurate, I request their immediate deletion from my credit report. Please respond within 30 days as required under the FCRA.
Product: Checking or savings account

On XX/XX/year>, I went to Truist Bank to fund my account that I opened on XX/XX/XXXX. Reasoning I opened the account is because I needed to have an account other than XXXX  XXXX XXXX thats two hours from where I stayI cant access the account to XXXX  XXXX XXXX to verify the card pin to activate at the bank because I have no transportation. 

Reasoning said truist is closest to me so I went to that branch location to fund my account so I can XXXX money to my landlord that Im renting the apartment from so I wouldnt be homeless. I deposited {$380.00}. Not even a hour later after getting my bus back home I tried to login my bank mobile access to XXXX the {$380.00} to my landlord, it said your account has been locked I called the fraud department because they said it was fraud. 

MIND YOU NOT it went it to the branch and deposited physical hard worked money specifically @ XXXX XXXX  on XX/XX/year>. 

I went to the branch to discuss the matters and asked since my account is closed just give me my money back that I handed you all. 

They refused. Thats that.
Product: Credit reporting or other personal consumer reports

My credit report is showing late payments to BANK OF AMERICA XXXXXXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or BANK OF AMERICA XXXX customer service representative.
Product: Money transfer, virtual currency, or money service

On the XXXX, I loaded {$18.00} as well as accepted {$5.00} from my boyfriend and aunt ( a total of {$10.00} sent to me ) onto my cash app account trying to send it to my brother in law to get me a XXXX. When I tried to send the money it declined and when I tried to resend the money to my debit card it wouldnt work. I contacted support but they said my account was closed for violating terms of service but I didnt do anything I never had a transaction above {$25.00}. I tried to load another card but then it said not supported then once I finally loaded a successful card on there and tried to cash out the money it said it could only be cashed out to the initial debit card the cash came from. Which makes 0 sense because it wouldnt allow me to load the debit card onto the account or cash out to it!
Product: Credit reporting, credit repair services, or other personal consumer reports

Months ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
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: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX Creditor Name XXXX XXXX Account Type Charge Account Account Status Closed Opened Date XX/XX/XXXX Closed Date -- Limit {$300.00} Term -- Monthly Payment -- Responsibility Individual Account. 
Balance {$590.00} Highest Balance -- Payment Status Collection/Charge-Off Worst Payment Status -- Date of Last Payment XX/XX/XXXX Amount Past Due {$590.00} Times 30/60/90 Days Late 3/4/4 Remarks Charged off account Account previously in dispute - Now resolved by data furnisher XXXX XXXX XXXX   XXXX Account Type Credit Card Account Status Closed Opened Date XX/XX/XXXX Closed Date -- Limit {$200.00} Term -- Monthly Payment -- Responsibility Individual Account. 
Balance {$0.00} Highest Balance -- Payment Status Collection/Charge-Off Worst Payment Status -- Date of Last Payment XX/XX/XXXX Amount Past Due -- Times 30/60/90 Days Late XX/XX/XXXX Remarks Charged off account Account closed by credit grantor Account previously in dispute - Now resolved by data furnishe Last Reported XX/XX/XXXX Creditor Name XXXX XXXX Account Type Credit Card Account Status Closed Opened DateXX/XX/2017 Closed Date -- Limit {$2600.00} Term -- Monthly Payment -- Responsibility Individual Account. 
Balance {$2200.00} Highest Balance -- Payment Status Collection/Charge-Off Worst Payment Status -- Date of Last Payment XX/XX/XXXX Amount Past Due {$22.00} XX/XX/XXXX Creditor Name XXXX Account Type Credit Card Account Status Closed Opened Date XX/XX/2017Closed Date XX/XX/XXXX Limit {$2000.00} Term -- Monthly Payment -- Responsibility Individual Account. 
Balance {$1600.00} Highest Balance -- Payment Status Collection/Charge-Off Worst Payment Status Last Reported XX/XX/XXXX Creditor Name XXXX XXXX XXXX XXXX Account Type Credit Card Account Status Closed Opened Date XX/XX/2018 Closed Date -- Limit {$4000.00} Term -- Monthly Payment -- Responsibility Individual Account. 
Balance {$4100.00} Highest Balance -- Payment Status Collection/Charge-Off Worst Payment Status -- Date of Last Payment XX/XX/XXXX Creditor Name XXXX XXXX XXXX XXXX Account Type Credit Card Account Status Open Opened DateXX/XX/2017 Closed Date -- Limit {$300.00} Term -- Monthly Payment {$43.00} Responsibility Individual Account. 
Balance XX/XX/XXXX Collection Agency XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account. 
Balance {$190.00} High Balance {$170.00} Remarks -- XXXX XXXX XXXX {$2200.00} Account Details Last Reported XX/XX/XXXX Collection Agency XXXX XXXX XXXX Original Creditor XXXX  XXXX XXXX  XXXX XXXX  Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account. 
Balance {$2200.00} High Balance {$2200.00} Remarks Consumer disputes this account information Collection account all ftc violations that were filed 45 days ago
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute several hard inquiries on my credit report that were made without my knowledge or authorization. After thoroughly reviewing my credit report, I identified some inquiries, which I did not approve :
Product: Credit reporting, credit repair services, or other personal consumer reports

In trying to correct my credit due to an injury at work and illness that caused problems, I found collections accounts and one from XXXX  XXXX XXXX with a balance of {$280.00}. I contacted them to validate the account, as I was unaware of it, so I proceeded to validate my info to prove my identity only to be responded with : " Thank you for verifying your information. Your account is currently being serviced by Alpha Recovery Corp. You can contact them regarding payments or any inquiries you may have ... '' I now proceeded to contact Alpha Recovery Corp to validate my debt that I still haven't been shown valid?! They responded with email and mail validation, so I called to pay off debt immediately. I was emailed instantly and later mailed a letter that the payment was given to satisfy account. I also asked if it was going to be removed from credit reports and show corrected information and was assured it would be. 
I have disputed with the three credit agencies due to the fact my reports STILL showing collection balance and open/ongoing re-aged?! 
Dispute results were : The company that reported the information has certified to XXXX ( others as well ) that the information is accurate. This item was not changed as a result of our processing of your dispute. 
I must note that this is being reported by XXXX  XXXX XXXX? 
I did my part in correcting hardships and paying off debt, they should honor their part! This is harming me with home leasing/purchase!
Product: Credit reporting, credit repair services, or other personal consumer reports

I ask the credit bureaus to do a verification on my credit report which they did and said everything was accurate. I also did thorough research myself and found improper information on my report after the credit bureaus did their thorough research. Below you will find the Account names and account numbers from all accounts. 

XXXX  - XXXX in the amount of {$13000.00} In accordance with the Fair Credit Reporting Act XXXX  XXXX  Account number XXXX 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 an account without my written instructions.
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 XXXX XXXX ; XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX, VA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ; XXXX Balance Owed : {$150.00} ; XXXX XXXX XXXX Balance Owed : {$470.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Product: Credit card or prepaid card

See attatched USAA statement MC ending XXXX. ** I did Not Open this Account ** Secure data from this account was used to Open a Visa ending XXXX. UNAUTHORIZED TRANSACTIONS OCCURRED XX/XX/XXXX - XXXX XXXX see attatched XX/XX/XXXX CREDIT CARD FRAUD CLAIM claim date of XX/XX/XXXX {$470.00} UNAUTHORIZED.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I used an ATM in town, XXXX XXXX XXXX, that I dont have an account with to deposit {$1000.00} into my USAA account. The ATM accepted the deposit and then froze. I submitted a CFPB complaint with that bank, complaint ID XXXX, they have found the money and processed this on their end. 

The issue now, USAA will not provide any information on where the money is now and when I will get it. They wont escalate the issue so I can get some answers. They wont create a new dispute. I have banked with USAA for over 5 years. I just want my money. I did nothing wrong, the other bank found the funds and confirmed this. I made this deposit on XX/XX/XXXX, {$1000.00} is a lot of money. This has taken food out of my childrens mouth. Please help me. Thank you.
Product: Checking or savings account

They never told my I had to wait 3 business days to receive my funds in my new account I was told I could get it the same day and when I asked them to return it to my employer they said I still have to wait 3 business days and that they will still take the money of my check
Product: Checking or savings account

I'm writing to file a complaint regarding multiple overdraft fees applied to my account. These fees were assessed despite having sufficient funds available at the time the transactions were authorized. However, due to the delayed posting of charges and credits, I was unfairly charged overdraft fees.

This issue appears consistent with recent findings by the CFBB, which identified similar practices by Navy Federal Credit Union, where transactions were settled with insufficient balances despite initially having adequate funds. I believe these practices are deceptive and unfair.
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting

Doctor bill submitted for collection because doctor 's office did not provide updated medical insurance to its billing department. Updated information also included my new address so I never got a notice of the problem. Doctor 's office cancelled the collection on XXXX/XXXX/15, more than 30 days ago, and it needs to come off my credit report and the affect it has had upon my credit score.
Product: Credit reporting or other personal consumer reports

I am disappointed to have received a credit report that contains inaccurate information about me. As per the Fair Credit Reporting Act, it is my right to dispute any information that I believe to be incorrect. I take this matter very seriously and I am deeply concerned that these false allegations of delinquency and derogatory information could harm my reputation and financial well-being. 

Although I am fighting back with all my strength, I need your cooperation to resolve this issue. I kindly request you to provide evidence that justifies why my accounts are considered to be in a negative state. It is my understanding that any data included in my file must be documented and validated before it can be used by creditors, as mandated by the law. However, it appears that your records are not meeting these standards. 

I feel let down that you are not doing your job properly, and I am concerned about the potential consequences that this could have on my creditworthiness. Therefore, I am giving you 30 days from now to address this matter and provide me with physical proof of your actions and my updated credit report. 

I hope that everything can be resolved in a timely manner without the need for intervention or escalation. Please provide accurate and verified information for each claim, as the allegations against me are not true. I am deeply disappointed to have to dispute these claims, but I will not let inaccurate information harm my financial well-being. 

Listed below are the Personal Information that are being challenged Incorrect Name : - XXXX XXXX Incorrect Name : - XXXX  XXXX Employer - XXXX Incorrect DOB : - XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX, XXXX XXXX, FL, XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL, XXXX Incorrect CurrentAddress : - XXXX XXXX XXXX XXXX XXXX, XXXX, FL, XXXX Listed below are the Accounts that are being challenged XXXX - XXXX XXXX - XXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX Your agency is in breach of the law! According to 15 U.S.C. 1681 section 602 A, I am entitled to privacy. Furthermore, 15 U.S.C. 1681 Section 604 A Section 2 specifies that a consumer reporting agency may not provide an account without my explicit written permission. Additionally, 15 U.S.C. 1681c. ( a ) ( 5 ) states that no consumer reporting agency is permitted to include any adverse information in a consumer report if the event occurred more than seven years ago, except for criminal convictions. Lastly, 15 U.S.C. 1681s-2 ( A ) ( 1 ) mandates that no person should provide information about a consumer to a consumer reporting agency if they know or suspect the information to be inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Over the last 2 years I have been dealing with the harassment of XXXX XXXX, XXXX. The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and house hold purposes. The inaccurate reporting have damaged my livelihood. On XXXX XXXX  I initially asked XXXX XXXX, XXXX to validate and delete the reporting from my consumer reports. I've asked for many things to provide me such as the Alleged Debtor, The Address of the Alleged Debtor, the date the alleged debtor became payable, proof that they are the current holder in due course, did XXXX XXXX, XXXX Purchase the debt, what is the commission for the debt collector if the debt was collected. Many questions which they have not complied. I've also sent payment by promissory note, and money order to cancel the alleged debt XXXX XXXX XXXX has harassed me for. I'm afraid I will have to make more payments under duress. XXXX XXXX, XXXX Purchased the debt from XXXXXXXX XXXX XXXX. At this point it has become completely stressful, and depressing trying to get this matter handle. Trying to track down the original creditor and they're Chief Financial Officer of XXXX XXXX XXXX. I have received many fraudulent unsigned mail from XXXX XXXX, XXXX. According to Chief Justice XXXX XXXX of the US Supreme Court, in direct violation of the COURT of COMMON PLEAS OF XXXX XXXX PENNSYLVANIA, COURT OF APPEALS FOR THE SEVENTH CIRCUIT ; HEINTZ v. JENKINS 514 U.S. 291, 2, and in jeopardy of fraud by mail for attempting to commit felony conversion and attempted theft of Respondents property for which restitution will be sought. At this time you have set forth two ( 2 ) predicators of the three ( 3 ) needed to begin a Racketeering lawsuit against XXXX XXXX, XXXX and the other firms included in this Racketeering. I will take the next step to file a police report on harassment, invasion of privacy, defamation of character plus more. I have also sent disputes to EXPERIAN, XXXX, and XXXX asking them to investigate this account and DELETE it as well. These companies have failed to verify they're method of verification and continuously send me computer generated responses with no signature or date on responding mail.
Product: Credit reporting or other personal consumer reports

I have sent multiple attempts via XXXX to XXXX and Equifax to have XXXX accounts investigated on my account. 

The credit bureaus XXXX and Equifax did not properly investigate the discrepancies, and nothing changed my profile. 

Account Name : XXXX XXXX XXXX XXXX Account Numbers : XXXX and XXXX Thank you, XXXX
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that the credit bureaus will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate : Account Name : XXXX XXXX  Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted this complaint to update this suspicious information. Credit Bureau must validate these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
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 reporting, credit repair services, or other personal consumer reports

Reporting inaccurate information
Product: Debt collection

This debt was paid as agreed, when from paid on time on XX/XX/2023 to 30days late in XX/XX/2023 2023