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

I am filing a formal complaint against XXXX XXXX for its abusive and unjust credit reporting practices, which have caused significant financial harm to me and potentially many other consumers. Given the severe economic challenges we are currently facing, such practices further burden responsible consumers and exacerbate financial instability. 

XXXX XXXX : While traveling abroad, I inadvertently missed a {$19.00} annual fee payment on my XXXX XXXX credit card ending XXXX. At no point did XXXX XXXX notify me of this outstanding balance or send a payment reminder. I have a longstanding history of timely and responsible credit management with XXXX XXXX, with no prior delinquencies. 

Upon returning to the United States and reviewing my accounts, I immediately rectified the issue and paid a total of {$77.00} ( which included any accrued fees ). However, despite my prompt resolution, XXXX XXXX has failed to update the credit bureaus to reflect the cleared balance, continuing to negatively impact my credit score. 

Unfair Credit Reporting and Consumer Harm : 1. Immediate Negative Reporting, Delayed Positive Updates While XXXX  XXXX instantaneously reports any charges made, they do not report balance payments with the same urgency, leaving accounts in an artificially negative state for an extended period. 
This practice is deceptive and unjust, as it disproportionately harms consumers by failing to reflect their true financial standing. 
2. Severe and Disproportionate Credit Score Drop Due to this single, minor delay of {$19.00}, my credit score dropped by XXXX points, jeopardizing a critical real estate transaction just three days before closing. 
The rigid and punitive nature of this reporting system creates undue financial hardship and prevents consumers from accessing essential credit opportunities. 
3. Unprofessional and Abusive Customer Service When I contacted XXXX  XXXX to address the situation, I was met with dismissiveness and a lack of accountability. 
I was informed that XXXX XXXX  reporting is automatic and irreversible, yet they have the ability to instantly notify credit bureaus of spending activity but not balance paymentsa glaring inconsistency that serves only to exploit consumers. 
4. Retaliatory Credit Limit Reduction Shockingly, one day after I contacted XXXX XXXX seeking assistance, they reduced the credit limit on another XXXX of my accounts ( ending in XXXX ), further worsening my credit utilization ratio and causing additional damage to my credit score. 
This retaliatory action directly contradicts fair consumer treatment and further underscores XXXX XXXX  predatory behavior.
Product: Credit reporting, credit repair services, or other personal consumer reports

Last 4 of XXXX RE : Account Number I received notice that you verified certain items on my credit report from the following companies : 1. XXXX XXXX  XXXX 2. XXXX  XXXX 3. XXXX  XXXX XXXX 4. XXXXXXXX XXXX XXXX Please tell me how you did that. Who did you talk to at the original credit grantor? Did you write them? Was a UDF form used or was this through electronic automatic dispute verification? Did you contact them at the same address/phone number listed on my report? The FCRA says that you have to tell me this in 15 days if I ask. Don't provide the generic response of how you use various methods. Tell me exactly how you verified them and include the full name of the person you spoke with. 
Also, what is the date of the commencement of delinquency? The original creditor is required to give that to you. So when is that? And when will this trade-line be past the reporting timeframe? Don't provide the generic " 7 years '' response ; I am aware of that. Tell me specifically when these accounts allegedly became delinquent, and specifically when they will be removed. Some of these accounts are reporting as charged off as well as being included in bankruptcy. So, which is it?

Supply your response within 15 days or delete the trade-lines.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX SSN : XXXX XXXX : XXXX XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX RE : Dispute of Incorrect Information on Credit Report Account Name : XXXXXXXX XXXX XXXX  XXXX Account Number : XXXX ) Dear TransUnion, I am writing to formally dispute the inaccurate reporting of a child support account on my credit report. The account, listed under XXXXXXXX XXXX XXXX with the account number XXXX, shows a past due balance of {$48000.00}. However, I have filed a XXXX, and there is no record indicating that I owe any child support. 

Please investigate this matter and remove the erroneous account from my credit report. Enclosed, you will find a copy of my XXXX filing as evidence that I do not owe this debt. 

I look forward to receiving confirmation that this inaccurate information has been corrected. 

Sincerely, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Request Date : Information Request No. : XXXX XXXX. : XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XXXX The search results herein reflect only the specific information requested. The results of this Debtor search will not reflect variances of this name. If the Debtor is known under other personal names, trade names, business entities, or addresses, separate searches of these names will have to be requested and conducted. The Secretary of State, his officers and agents disclaim any and all liability for claims resulting from other filings on which the name of the Debtor can be found in any other form than which was requested. 
Search Criteria : Debtor Individual : XXXX XXXX XXXX | XXXX Request Type : XXXX XXXX XXXX ( XXXX XXXXXXXX ) Active ( Unlapsed Records Only ), List Only XXXX XXXX XXXX File No. : XXXX Filed : XX/XX/XXXX XXXX XXXX  Lapse : XX/XX/XXXX XXXX XXXX  XXXX Type : Financing Statement Debtor ( XXXX ) : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Secured Party ( XXXX ) : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXXXX XXXX. : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Secretary of State, do hereby certify that the above listing is a record of all presently active financing statements, tax liens, attachment liens and judgment liens, including any change documents relating to them, which name the referenced debtor, subject to any above-stated search qualifiers and are on file in my office as of XX/XX/XXXX XXXX XXXX. 
IN WITNESS WHEREOF, I execute this certificate and affix the Great Seal of the State of California on XX/XX/XXXX. 
Secretary of State
Product: Checking or savings account

On XX/XX/2023 I online deposited a check for {$770.00} made out to me by my previous landlord returning my security deposit. XXXX days later on XX/XX/2023 my first paycheck containing my first weeks pay and a relocation bonus totaling to {$4600.00} from my new job was direct deposited over to me. I did not see any evidence of these funds either pending or being deposited into my account on that day. I was concerned, but waited over the weekend before calling my employer and confirm that the funds were indeed sent over, after this I promptly called Chase bank ( on XX/XX/2023 ) and spoke to a representative who informed me that a hold had been placed on the check for {$770.00} dollars 2 days prior, and that they needed to confirm the company sending the check via their phone number. I gave them the phone number stated on the companies website, and the representative stated that that number was not linked to the company in chases fraud checking system. I found this unusual because 1. No company is going to verify information regarding a check they made out to me to a 3rd party representative ( chase ) and 2. It is very simple to verify that this company does in fact exist and is legitimate if you go to their website, but regardless this is not how banks check whether or not a check is fraudulent anyway. This representative then told me that I because she could not verify it I would simply have to wait 10 days for that check to clear into the account automatically, and that the funds that I had deposited ( paycheck on XXXX ) after the check that was placed on hold ( check on XXXX ) would be available for use within 1-2 business days. I accessed my account via the mobile chase banking app on XX/XX/2023 and saw that my paycheck had indeed appeared in the account and stated that is was available for use. Seeing this, I proceeded to attempt to pay the bills that I had due, upon doing this I received a notification stating that my payment had been declined, even though I had a more than adequate amount stated available in my account. I called Chase bank where I was informed that because they were unable to verify the check deposited into my account on XX/XX/2023 that my account had been restricted due to concerns of fraud, and that if they were unable to confirm the check was legitimate that my account would be closed, and until then I am unable to withdraw OR deposit funds into the account. I then called the property management company that had written me the initial check for {$770.00} dollars and they were incredibly confused as the number they have listed on their website is the only affiliated number with theyre business and they do not know how chase couldnt confirm that it is legitimate as it is listed on their website and if they call they would get a response. I am also at a loss for how chase has had a restriction on my account due to that initial check deposited on the XXXX, yet the direct deposit sent on the XXXX was able to be deposited into the restricted account on the XXXX, yet I am not able to transfer, withdraw, or deposit any money into that same account myself.
Product: Credit card or prepaid card

Capital one don't care about identity theft i never had a Capital one credit card it showing on my credit report in 2017 but they remove it because 8t fraud
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been discovered that you are not DISPOSING files when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm uploading this Complaint to assist with laying out a lawful response. In the event that you decide to not REMOVE the accompanying things written down below which are answering inappropriately because of fraud, I will hand my archives over to my lawyer to begin a lawful procedure. It's my goal to not seek after any legitimate activity so if it's not too much trouble, act in accordance with the law. XXXX XXXX XXXX XXXX Balance : {$660.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$440.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$250.00} ; XXXX XXXXXXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$100.00} ; XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$82.00} ; XXXX XXXXXXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX  XXXX ) XXXX Balance : {$170.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$140.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$81.00} ; XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$62.00} ; XXXX XXXX XXXX XXXX Balance : {$640.00} ; ( Original Creditor : XXXX XXXX ) XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX ) XXXX Balance : {$220.00} ; XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1000.00}
Product: Credit card or prepaid card

I Make payment 's from the same bank account XXXX bank ) every month in full on my Wellsfargo Credit Card. Now a days it taking them 5 or 6 days to credit my credit card. On XXXX XXXX I made a payment in full it was taken out of my XXXX checking account. But it XX/XX/2021 and it's still not credited to my visa credit card. Help
Product: Credit reporting or other personal consumer reports

There is an inquiry on my credit report that I don't recognize, it was not authorized and I never consented to it. I only apply in person and this seems to have been done online, this is very worrisome.
Product: Debt collection

This debt was sold to another third party collections without my consent. 

ACCOUNT # XXXX CHARGED OF BALANCE : {$5800.00} DATE OPENED XX/XX/2022 NCB MANAGEMENT SERVICE XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX
Product: Credit card

This is an update of case # XXXX. As of today I did not receive the alleged check that was sent on XX/XX/year>. Today, XX/XX/year>, I called Citibank and the check was stopped for payment and a new check is going to be created and maybe in XXXX weeks I will receive it. In the meantime my money is sitting in Citibank account generating interest. 
Was a struggle to deal with Citibank customer service and the special unit, XXXX XXXX XXXX The person from Executive Response, XXXX  tel XXXX XXXX ext XXXX, told me when I asked for a supervisor that there is no one above him. I made several attempts to get updates from him, never heard back. Today I contacted the regular customer service, did get to talk with a supervisor, XXXX, and what they both have in common is the unapologetic tone and leaving the impression that all this was my error. 
I guess will take more than {$500.00} millions in fines to make Citibank get their act together.
Product: Money transfer, virtual currency, or money service

CoinBase is refusing to let me withdrawal any funds. There is {$100.00} in my Coinbase account in USD, and every time I try to transfer it back to my bank, it sends me through a loop that leads me back to square one. On my last attempt, XX/XX/XXXX, rather than transfer money back to my bank, they deposited another {$100.00} from my bank account. I have contacted them 3 times only to get a XXXX we are busy reply. These 3 occurred over the course of two weeks. Still no reply. I am requesting that the {$100.00} as well as the additional {$100.00} withdrawn from my account are returned.
Product: Debt collection

I have received mutilate calls from them attempting to collect a debt from a medical visit I never had. If I had visited, my health insurname would have covered the visit and it would n't have cost me {$260.00} like they are claiming.
Product: Credit reporting, credit repair services, or other personal consumer reports

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATION IN REGARDS TO THE INVESTIGATION RESULTS. Section 611 ( a ) states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 45 days so this should be rectified promptly. I am asking that these accounts be deleted immediately or I will file for litigation due to the stress they have caused. Also my information may have been impacted by numerous data breaches and gotten into the wrong person 's hands.
Product: Credit reporting, credit repair services, or other personal consumer reports

Accurate Background, LLC provided a consumer report with my XXXX  information that incorrect causing me to be denied a job. I called and explained to the company that the information they furnished was incorrect and they assured me that the background was fine and everything came back great. I was later emailed a copy of the report that stated my personal license was invalid in the XXXX section which is untrue.
Product: Credit reporting, credit repair services, or other personal consumer reports

A security leak affecting Equifax rendered my financial information potentially vulnerable to use by criminals who may steal my identity. There is nothing I can do to ensure that my social security number is n't used by someone years from now to steal my identity.
Product: Credit card or prepaid card

Two issues with PP transactions. 
In order to use the prepaid card with PP the company requires a preauthorization code which is submitted together with a " fully refundable '' {$1.00} charge. It is not a first time that the fully refundable is actually not and as the screen shows my balance on the card is off by {$1.00}. The expired hold transaction shows up 3 times on the balance. 
Also PP when making a refund to the buyer on the unrelated transaction to the card is fully refunding the buyer however it is charging a commission to the seller such as myself. 
Although the transaction was not done correctly and I had to refund the buyer, the PP charged me XXXX cents " commission '' for refunding the transaction that didn't go through. IN other words PP is skimming off the top small amounts while stealing from people giving it business. It is not only reprehensible but illegal and I challenge PP to state in its XXXX XXXX  XXXX why it feels authorized to do business this way.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello Help Center, I am requesting for help regarding an issue registering my account to view my credit score reports. I contacted the Social Security Administration earlier to see if there was an issue on that side regarding unusual activities or any false information. They could not detect any issues on their side as we were able to confirm all of the information. I am in desperate necessities to create and build a credit score, however due to this issue, I am trapped in a loop and can not access my information in anyway, to report back to my bank and be able to build a credit. Please contact me however possible to manually confirm my information and proceed with my credit reports. Thank you in advance.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the XXXX time I've complained about being a victim of identity theft. You must remove/block any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX IL 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 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

I am writing to dispute several accounts on my credit report in accordance with the fair credit reporting act the following accounts : XXXX XXXX XXXX account number XXXX XXXX XXXX XXXX XXXX, SC XXXX phone number ( XXXX ) XXXX. 
XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX phone number XXXX. XXXX XXXX XXXX account number XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, GA XXXX phone number XXXXXXXX XXXX  XXXX account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX phone number ( XXXX ) XXXX, has violated my rights. 15 U.S.C 1681 section 602A states i have the right to privacy. 15 U.S.C 1681 section 604A section 2. It also states a consumer reporting agency can not furnished a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following credit card account listed on my XXXX, Experian and XXXX XXXX credit report is lost/stolen : XXXX XXXX XXXX Visa : XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have continuously contacted XXXX as well as XXXX XXXX  XXXX about this account that was part of a debt buying purchase. The account was initially opened with Santander in XXXX of XXXX when I purchased a 2007 XXXX XXXX. Last payment received XX/XX/XXXX and charged off XX/XX/XXXX. It was then sold to XXXX in XX/XX/XXXX, XXXX XXXX XXXX in XXXX of XXXX and finally to XXXX XXXX XXXX in XXXX of XXXX. I have contacted XXXX. XXXX XXXX as well as XXXX  to advise them of incorrect credit reporting since XXXX XXXX XXXX is reporting currently that this is a new debt from XX/XX/XXXX so I am being denied credit to purchase a home because of this debt being re-aged. This clearly exceeds the guidelines outlined in the FCRA and yet neither company is taking any action to rectify this situation.
Product: Mortgage

On XX/XX/XXXX I was sent a foreclosure noticed by Wells Fargo. When I called and asked remodify my home mortgage Wells Fargo stated I would need to make a lump sum payment of around $ XXXX dollars to get me back to my original note of $ XXXX dollars. They stated I had an outstanding balance of $ XXXX dollars. I then notified a sales agent to sell my home in the event of clearing the balance. I went into negations on XX/XX/XXXX with an offer of $ XXXX dollars with {$500.00} dollar binding and $ XXXX dollar Purchase and Sales Agreement. This brought the total sale of my home to $ XXXX dollars. Wells Fargo rejected my sale and stated I couldn't short sale the home to cover debt. They carried forward with a foreclosure on XX/XX/XXXX and sold my home for $ XXXX dollars. This did not allow me to cover my losses and instead forced me to file bankruptcy. I later saw the home resell twice once on XX/XX/XXXX the Home sold for another $ XXXX dollars and then again on XX/XX/XXXX for $ XXXX dollars. Wells Fargo failed me as customer for not allowing me to cover my losses and prevent a hardship on me far worst than anything. This has caused a significant hit on my credit report and has disqualified me from any near future purchases of a home.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX 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 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 for any purpose