23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

As this account was settled and successfully paid off, I recently became aware that this debt is still on my credit report with the wrong information. As such, I am requesting a goodwill deletion for this account to be removed from my credit. In addition, I am also requesting the purchase agreement of the debt you have bought from XXXX. 
This is NOT a request for verification or proof of my mailing address, but a request for a GOODWILL DELETION as made pursuant to the above FCRA Section 623 ( a ) ( 2 ) and FCRA Section 623 ( a ) ( 1 ) ( A ). 
At this time, I will also inform you that as your offices have reported invalidated information to any of the XXXX major credit bureaus ( XXXX, XXXX, or XXXX ) this action may constitute fraud under both federal and state laws. Due to this fact, if any negative marks is found on any of my credit reports by your company or a company you represent, I will not hesitate in bringing legal action against you and your client for the following : violation of the Fair Credit Reporting Act, violation of the Fair Debt Collection Practices Act, and Defamation of Character.
Product: Payday loan, title loan, or personal loan

Solar panels were installed and tree trimming was included in the total charge of the contract. The company refused to trim tree limbs overshadowing the panels as was promised in a verbal contract and is included in the total cost and service in monthly payments. And tree trimming that has not been done. Due to an epidemic of webworms and the limbs not being trimmed, the panels have become dirty and not performing as they should. The panels have been red-tagged by the fire department and did not pass the inspection. I have been unable to find the registered agent for this company in order to file a complaint in small claims court. As a XXXX XXXX I feel as though I have been taken advantage of. I have withheld the payments from Good Leap Finance company for this reason until this issue can be resolved.
Product: Credit reporting

In 2006, I was hit with a massive Identity Theft. Someone put amillion dollar home on my credit - then the person changed myaddress to theirs and thus received all my identity and preapproved credit offers. I filed a police report with XXXX XXXX XXXX and they sent me to the District Attorney in XXXX XXXX - The DA stated this is just the tip of theiceberg - it happened just when the housing marking wasslowly collapsing and I really got hit. 
I immediately notified XXXX XXXX and Experian.I placed a fraud alert on my credit bureaus and it took mea full year on the phone with DA and Police to clear my nameand prove I was who I said I was. I sent Identity Theft infoto all the accounts - seems they opened several accountsthru mail - most of the people were nice, but not XXXX, XXXX and XXXX - I told XXXX it was an identity theft -they told me they did not believe me, even with legal notice -they also said they would put a lien on me unless I paid the {$5000.00}. Sure enough, XXXX placed a lien on me - andmy credit plummeted. I called XXXX and asked them whenmy court date was and explained I wanted to speak to theJudge to explain my circumstances and clear the lien -Chase did not respond - in the meantime I notified allXXXX credit reporting agencies again - sent written letterscalled and nothing happened. I believe it is because itwas right at the time the XXXX Market collapsed and theywere overwhelmed. 
In any event, every XXXX of the late accounts and lienare still on my credit reports - I called the XXXXCourt House to try and get the liens removed, theytold me to go back to XXXX and XXXX - of course noresponse. I was denied a new lease with XXXX XXXXbecause of my credit and I am presently paying 19 % XXXX car loan x 3 yrs - I am trying to get a fixed Mortgagefrom XXXX and I can not even get information due tomy Credit History. Most of the Deliquency accountsare at least 10 years old - I have faxed, called, got mad at all agencies but no one cares. 
I just want my stellar credit back - my car ins. back to normal ourates, my car pmt back to normal interest and my Mortgageback to a fixed rate. 
Can you give me some suggestions? 
I have all paperwork and faxes but I am not too gooduploading. I can send in mail if needed. 

Thank you for your helpI
Product: Credit reporting or other personal consumer reports

TRANSUNION HAS REPORTED INACCURATE INFORMATION ON MY CREDIT REPORT SINCE XX/XX/2023 FILE NUMBER XXXX THEY NEED TO UPDATE MY NAME THE MIDDLE NAME IS INACCURATE REMOVE XXXX XXXXXXXX REMOVE OLD TELEPHONE NUMBERS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute the following negative items listed on my credit report : XXXX XXXX - XXXX - {$0.00} XXXX XXXX - XXXX - {$4200.00} XXXX XXXXXXXX - XXXX - {$4700.00} Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/year> Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/year> These items remain unverified and raise serious concerns about their legitimacy. I have made numerous attempts to resolve these inaccuracies by submitting disputes and providing supporting documents, but I have yet to see any action taken to correct them. This inaction has had a detrimental impact on my financial stability and has taken a severe toll on my personal health. The ongoing stress caused by these unresolved issues has made it difficult for me to focus on daily life. 

As outlined in the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report free of unverified and inaccurate information. I ask that you investigate these matters thoroughly and resolve them immediately to ensure compliance with federal regulations.
Product: Debt collection

Due to the nature of the items reporting on my credit report, I am unable to obtain loans. the charge off and late reporting should not be on my credit report.
Product: Credit reporting 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 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, 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$300.00} XXXX XXXX XXXX XXXXXXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$0.00} XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX Balance : {$300.00} XXXX ( Original Creditor : XXXX ) XXXX Balance XXXX {$510.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Creditor : XXXX XXXX XXXX ) XXXX Balance : {$0.00} XXXX XX/XX/XXXX
Product: Credit card

On XX/XX/24, Chime Credit Builder Secured Credit account was charged {$460.00} from XXXX XXXX XXXX. 

The charge should not have processed, and the card was locked ( I turned off transactions on the card, which blocks attempts to process transactions ), and the secured card did NOT have any funds in the account. Transaction should have declined. 

I had filed a separate complaint and dispute with the XXXX XXXX XXXX XXXX XXXX  for them charging me for a hotel I didnt stay in, and requested the reservation to be cancelled. 

I filed a dispute with Chime to remove this charge because it should not have processed, and their system allowed this charge to process on a secured card that was blocked and had no funds to cover it. However, the dispute was never re-opened or resolved. Still shows on the XXXX XXXX XXXX XXXX account.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the fourth time I'm sending this complaint about reporting my account late when it should be reported current. I have called Rushmore numerous times and even spoke to someone at XXXX. The representative at XXXX informed me that an update has never been submitted to correct the error. They also informed me that it should be submitted electronically, which it never has been. I'm extremely frustrated with Rushmore Loan Management Services because this should have never been submitted in the first place. I received a modification in XXXX, shortly the loan was transferred in XXXX to XXXX. I made XXXX trial payment before the transfer. I was also told by Rushmore there would be no credit reporting on the account until XXXX. Since my account was closed and transferred in XXXX no late payment should have ever been reported. I would like this removed immediately since this is the fourth time I'm making the request.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is reporting an incorrect coding of the XXXX - account number XXXX. This account is being coded as an M5 when actually this needs to be coded as an M1. ( Please see page 5 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect coding is harming my credit score and is a violation of the Fair Credit Reporting Act. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Product: Checking or savings account

Capital One Bank failed to inform me of over {$6000.00} in fraudulent ATM transactions over 2 months and after my husband 's death. They also failed to investigate the transactions upon my notifying them of the fraud. Rather than following up with the ATM providers they instructed me to call the police. The police have no ability to investigate the claim without the bank 's input and the bank claims to have no ability to provide information.
Product: Checking or savings account

I recently opened an account with US Bank to use for my income. My first paycheck was deposited ( {$5900.00} ) on XX/XX/year>. 
I visited a branch on XX/XX/year> to ask about where my new debit card was as it hadnt been received and there was no mention that the funds were being held. 
On XX/XX/XXXX I spoke to your customer service on the phone and they mentioned it could take 3-5 business days for the check to clear. 
XX/XX/XXXX I received a letter in the mail that my funds were being held due to Confidential information - safeguard/exception and would not be released until XXXX  XXXX, 11 days after deposit, signed by XXXX, XXXX at branch XXXX XXXX 

When I visited the local branch this morning and questioned why it took so long to be contacted and why the funds were being held, the employees reply was that due to terms and conditions they can hold the check up to 30 days. 
I was also told that they could not inform me as I was not the one depositing the check nor would they contact me via phone or email, only snail mail. 
XXXX then requested to get a proof of check cleared from my work, so brought this to them along with our director of finance. 
XXXX said she would make a request right away to your risk department to see if the funds could be cleared. 
When I asked to get notified, she asked to have my phone number which US bank already has. I requested then to get an email about this, I again was asked about contact details that are already in your system. 
My finance director asked her if this was their way of treating a new customer and if they wanted my business or not to which we got a reply about rules and regulations. 

Here are my major issues with this : Lack of communication : no info given when I myself visited the branch on XX/XX/XXXX, nor when I spoke to customer service on the phone that the funds were being held for a specific reason. 

Immediate funds : I was informed that the initial {$220.00} would be available immediately as per your policy. They were not and still haven't been. 

Treatment of new customer : when I spoke to XXXX at branch XXXX, she was not very friendly and came across as it was all my fault and I should know better. I wouldnt recommend her to anyone! 

Sending information via mail : not only is this the slowest way possible but also the least efficient way when the US bank has my phone number and email address. But for some reason, thats not the way US Bank wants to communicate in the digital age of XXXX. 
Money now : I have to pay a deposit and rent for an apartment by tomorrow XX/XX/XXXX which is {$2000.00}. 
Theres also a hotel stay tonight for {$150.00} at the XXXX XXXX  XXXX that needs to be paid for. 
Money is also needed for food, hygiene articles etc.
Product: Credit reporting or other personal consumer reports

Look at my credit report and seen information on it that is not correct and or accurate needed trans union to fix an correct issue
Product: Credit reporting or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : 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 card or prepaid card

On XX/XX/1923 Cash app took a {$300.00} deposit sent to me stating that I made some XXXX transactions that were never received by XXXX, this caused me to receive several return fees from other transactions. 
I also contacted XXXX and they were not aware of any duplicate transactions. Cash App would not provide me proof or any additional details or let me speak to a representative and in researching this I found that they did this to thousands of people.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called TransUnion after I purchased a credit report with XXXX on XX/XX/23. After receiving a copy of my report, I saw this UNVERIFIABLE item on my personal profile, I noticed that there was an Account on my credit report which is misleading to me. I sent a letter to TransUnion on XX/XX/23. I believe they have failed to authenticate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT # XXXX and hope that this account will be corrected. 


XXXX XXXX XXXXXXXX Balance : {$0.00}
Product: Credit card

Once again, Comenity Bank has managed to turn a good customer into a frustrated, irritated mess. 
I wrote in earlier this year about Comenity 's policy of 'freezing ' accounts after receiving certain payments. No satisfactory response was provided, but I was able to use my card with few interruptions for a period of a few months. 
Now, when I am traveling, after having made a payment, my card has begun to decline despite the fact that I have available credit remaining. However, even though I called in and heard about the 'hold ' that was AGAIN placed on my account, the logic of " protecting '' the bank is contrived due to the payment being made on XX/XX/XXXX and already having been posted, along with the funds removed from my account. Theoretically, if I was a bad actor, I could have made a massive payment, utilized the available credit with spurious charges, and then cancelled or bounced the payment when Comenity got around to removing it from my bank. Placing a 'hold ' on my account 3 days after the payment post date, after I had used some of the available credit resulting from the payment, defies logic and has no conceivable explanation. I am in a different city and rely on my cards as vital tools to facilitate purchases and services I need to procure while here. Having repeated declines when I HAVE AVAILABLE CREDIT is unacceptable. 
When I spoke to Comenity customer service, the response was less than thorough. The associate presented the pending charges, payment, and hold as such various, different, unusual issues instead of the normal credit card activity they are. 

Comenity is inept, useless, and shameful. Instead of reaching out, PROACTIVELY, to customers, they force them to receive information that no one can help with via a plodding and slow customer service line. XXXX XXXX and her canned replies are not helpful, and I want this hold taken off my account IMMEDIATELY.
Product: Credit reporting or other personal consumer reports

I got a response letter from lexis nexis from my dispute through the cfpb saying they were going to submit a dispute to the consumer reporting agencies on my behalf and they dont have my permission to do that and i called and spoke to a lexis nexis representative and told her not to submit any disputes to anybody on my behalf and now i got a letter in the mail saying they submitted a dispute on my behalf to XXXX which they never had permission to do
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX  # XXXX, has violated my rights. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, RI XXXX ( XXXX ) XXXX 15 U.S.C 1681 section 602 A : States I have the right to privacy.

15 U.S.C 1681 section A Section 2 : it also states a consumer reporting agency can not furnish an 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 reason.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of certain adverse credit information from my credit report. As a victim of human XXXX, specifically debt bondagewhich falls under XXXX  as defined by the XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 and 1002.142 ( b ) ( 7 ) I have incurred debts that are a direct result of this criminal activity.Per the guidance from the Consumer Financial Protection Bureau ( CFPB ), I am providing a picture ID, a bill, and a letter from an advocacy group helping me due to Human XXXX  debt XXXX.According to Section 605C of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), credit reporting agencies are required to block and remove any adverse information resulting from human XXXX  within four business days upon receipt of sufficient documentation. Furthermore, 12 C.F.R. 1022.142 mandates the immediate removal of such information. I have provided all necessary documentation, including a victim determination letter in accordance with 12 C.F.R. 1022.142 ( b ) ( 6 ). As only two forms of documentation are required by law, I trust that the enclosed materials suffice for this request. I also request the immediate removal of any negative accounts linked to my credit profile, written confirmation of these actions, and assurance that the negative information will not reappear on my credit report in the future that resulted from human XXXX.
Product: Credit reporting or other personal consumer reports

As I checked my profile I realized there were some hard inquiries that did not belong to me.
Product: Credit card

On XX/XX/year>, my credit card was used at XXXX different XXXX 's stores. One in TX and one in NC. I received individual text message at the exact same time. I wasn't able to reply to the first one which was TX. I was able to respond to the one in NC so I was able to stop that one. The charge for the one in TX was {$860.00}. I have shopped at XXXX 's online before but that was years ago. I received an email from XXXX 's for the order along with the pickup receipt at my email address. XXXX XXXX picked it up. I have no clue who this is nor do I live in TX. I don't know how they got my email address associated with my credit card. I have disputed this charge 3 times with the credit card company and they state that I authorized him to pick it up which I did not do. I have been on the phone with the credit card company several times along with XXXX 's corporate office with no resolution. I can't get them to understand that I did not authorize this purchase. I have told them to look back on their records to show that a charge did come in at the same time in NC that I stopped. I couldn't be in 2 places at the same time nor do I live in either of these states.
Product: Checking or savings account

ON XX/XX/19 I WITHDREW {$4500.00} FROM CHECKING N MONEY MKT. ON XX/XX/19 I WITHDREW {$4500.00} FROM CHECKING. I WAS RED FLAGGED N QUESTIONED ABOUT 2 WITHDRAWALS. I WAS A BIT UPSET CALLED 800 NUMBER. A XXXX READ ME THE RIOT ACT ABOUT MAKING 2 LARGE WITHDRAWALS IN A 4 DAY TIME SPAN. HE ALSO INSINUATED I WAS DOING SOMETHING FRAUDULENT BY GOING TO 2 DIFFERENT BBTS. HE SAID I MUST GO TO MY LOCAL BANK N NOT BANK TO BANK. ON XX/XX/XXXX I WAS IN XXXX GROCERY SHOPPING WENT TO BBT THERE. ON XX/XX/XXXX I WAS AT DOCTOR IN XXXX  XXXX N WENT THERE. HE THREATENED TO FREEZE MY ACCOUNTS AND REQUIRE APPROVAL BEFORE MAKING ANY MORE WITHDRAWALS. I SAID THIS IS MY MONEY N HE CAN'T DENY ME ACCESS TO IT. HE BASICALLY STATED YES HE CAN. I WAS MADE TO FEEL LIKE A CRIMINAL FOR TAKING MY OWN MONEY OUT OF THE BANK. 

ALSO ALL MY MAIL IS TO GO TO MY PO BOX BUT ITS GOING TO MY STREET ADDRESS. I DID AN ADDRESS CHANGE XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and XXXX and Experian has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Checking or savings account

I have a bofa account linked to edd, my card expired and a new one was never sent. I have tried to contact them several times thru email, telephone and the bofa website only to be told there is a problem with my account then it boots me off. I have been waiting for this card so I can access my funds and pay my bills. I cant get ahold of anyone and am at my whits end. hopefully you can help me please. my phone number is XXXX XXXX XXXX my email address is XXXX. thank you my name is XXXX XXXX