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

Wells Fargo sent a copy of a report with the late payments reporting on these dates XXXX XXXX XXXX unlawfully. After I asked them to not report unlawful information based on source of Consumer law 15 U.S.Code 1666B Timing of payments & 15 USC 1681a ( d ) 1. This has burdened my credit report and hindered me from obtaining financing for a home and for my business.

These are the laws below 15 U.S.Code 1666B Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.

15 USC 1681a ( d ) 1 ( d ) Consumer Report.

( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title.
Product: Debt collection

on XX/XX/18 XXXX XXXX placed a collection account on my credit profile for the amount of {$2000.00} which I do not owe. I did not open this account, I did not authorize this account to be opened in my name, I had no knowledge of this account. The original creditor is listed as SYNCHRONY BANK ( Banking ). Which I do have accounts with and all are in good standing. I tried contacting Syncrony 's fraud  department and they claimed to have no record of an outstanding unpaid balance under my name. The only accounts they have record of are the accounts I currently have which again, are in good standing. 
I have tried disputing this with both XXXX XXXX over the phone which they claimed an investigation would take place and I would be mailed the results, that never happened. 
I filed a dispute with all 3 major credit bureaus and they came back as " VERIFIED AS ACCURATE '' but could provide no information how it was verified as accurate and told me to take it up with XXXX XXXX. I have tried in good faith to resolve this issue and I find myself constantly being shifted around from one company to another trying to have this removed.
Product: Checking or savings account

On XX/XX/XXXX around XXXX - XXXX I attempted to withdraw cash from an ATM at XXXX XXXX XXXX . The amount I attempted to withdraw was {$200.00}. There was also a {$3.00} processing fee which brought the full amount to {$200.00}. The ATM processed the withdrawal : however, The cash was never dispensed from the ATM. The ATM displayed a message that was along the lines of This machine has an error, please contact your bank. The ATM did not generate a receipt for me as well. 

I attempted to contact my bank, Truist, which in turn they told me to file a complaint when the pending charges of {$200.00}. Would officially post to my account. 

The {$200.00} officially post to my account on XX/XX/XXXX. When I saw that this was posted, I instantly called Truist and they put in a dispute for me for the banking error that happened with XXXX XXXX XXXX  ATM. Truist would gave me a credit for this issue on XX/XX/XXXX of {$200.00}. 

On XX/XX/XXXX. I checked my bank account with Truist and I saw that Truist had taken away the credit of {$200.00}. Confused by this, I gave Truist a call on XX/XX/XXXX and they informed me that my claim dispute was denied as they determined that the funds were given by the ATM. I informed them I never received the funds, hence why I called in the first place. They could not give me a reason as to what they saw determined that I got the funds or not from the ATM. I asked what my next course of action was and they told me to call XXXX XXXX XXXX  to get documents that this happened. 

I instantly called XXXX XXXX XXXX, explained the situation to them, and they informed me they could not give me any documents. Truist informed me that they would look into this again, but they said they can not make any promises. 

That was the last update on this situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This account was reinserted on my credit profile after my reinvestigation 1 year ago this account was successfully removed now experian and XXXX illegally violated FCRA by reinserting this account. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, This collection account was never properly investigated after i sent mulitple investigation disputes. I received letter back from experian and XXXX stating this account was properly investigated! Experian and XXXX violated FCRA by failing to properly conduct reinvestigations of disputed information. They also failed to delete inaccurate, incomplete or unverified information.
Product: Debt collection

To whom it may concern : I attempted in many occasions to settle a debt I had with American express. Whenever I had a verbal agreement and tried to make payments, they cancel the original agreement. 
After many unsuccessful settlements I asked for the last agreement to be in writing. On XX/XX/XXXX I I received a detailed confirmation of the settlement as indicated on the attached copy. I have been making payments on time as per agreement. To my surprise on XX/XX/XXXX I received another letter asking me to pay the entire balance that was the reason of our initial dispute. 
The copy of that letter as well as the payment confirmation are attached to this message. 
Hopping to hear from you very soon. 

Best regards.
Product: Checking or savings account

On XX/XX/XXXX   XXXX  unauthorized charges went through my account.  XXXX  for {$190.00} &  XXXX  for {$340.00}. I called   XXXX   and they could n't find anything in my name, ph #, or email so I was advised to dispute through my bank. I filled out papers with my bank to dispute. The department that handles these issues claim the charges were authorized. No proof has been provided to me even though I have requested. The bank TIAA and I have had 3 way calls with   XXXX    and it has been proven that I did not authorize the  XXXX  transactions but the supervisors  XXXX  and  XXXX  do nothing about it. They do not return my calls or provide me with the proof that I authorized the charges. Please help  XXXX
Product: Checking or savings account

This is constant problem with this bank, bank of america. this branch on XXXX XXXX in XXXX, NY. Always a problem to deposit money, i sent my employee to make a deposit and the bank manager told her there is no teller, but bank is open. Manger suggests to go to another branch, but this information he gave was incorrect. At that time other bank of america branches are closed. My employee had to take a cab to other location to find out they close at XXXX. this is a constant problem and they do have any solutions and give misleading information to customers. They treat customers little XXXX XXXX since its in a area where people are not very weel off, its seems XXXX. i tried calling to make a complain on the phone and hold for more than 2 hours and finally had to hang up.
Product: Credit reporting 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  and list of Inquiries. 

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

XXXX, and Transunion are reporting unverified collections accounts on my credit profile. I have no contract with any of the listed creditors below. I was not provided any existing contract or proof of this account belonging to me. 

XXXX XXXX XXXX Last reported : XX/XX/2019 {$1500.00} XXXX AND XXXX Last reported : XX/XX/2019 {$1100.00} XXXX AND XXXX Last reported : XX/XX/2019 {$1100.00} XXXX AND XXXX Last reported : XX/XX/2019 {$1000.00} XXXX AND XXXX Last reported : XX/XX/2019 {$730.00} XXXX AND XXXX Last reported : XX/XX/2019 {$710.00} XXXX XXXX XXXX Last reported : XX/XX/2019 {$600.00} XXXX XXXX XXXX Last reported : XX/XX/2019 {$600.00} XXXX AND XXXX Last reported : XX/XX/2019 {$500.00} XXXX XXXX XXXX  Last reported : XX/XX/2019 {$160.00} XXXX XXXX XXXX  Last reported : XX/XX/2019 {$160.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

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

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

I am reaching out to dispute inaccurate information on my credit report and request an immediate investigation. As a consumer, I have the right to ensure that my financial records are fair, accurate, and verifiable under federal law. 
Upon reviewing my report, I noticed errors related to certain accounts and inquiries that should not be listed. These inaccuracies could be in violation of the Fair Credit Reporting Act ( FCRA ), particularly regarding privacy rights, reporting timelines, and data accuracy.
Product: Credit reporting or other personal consumer reports

I am writing to express my profound frustration and disappointment regarding the ongoing failure to remove fraudulent items from my account, despite numerous attempts and escalating complaints. Despite my persistent efforts and cooperation, the fraudulent charges persist, causing significant financial and emotional distress. 

The persistent presence of fraudulent charges on my account not only undermines my confidence in your organization 's ability to protect its customers but also reflects poorly on your commitment to addressing fraudulent activity promptly and effectively. 

Conduct a thorough investigation into the origin and nature of the fraudulent charges. 
Promptly remove all unauthorized charges from my account and ensure the reversal of any associated fees or penalties. 
Provide a detailed account of the steps taken to address the fraudulent activity, including an explanation for the persistent delays in resolution. 
Implement stringent security measures to prevent similar incidents from occurring in the future. 
I emphasize the urgency of resolving this matter expediently to restore my faith in your organization and safeguard my financial interests. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX Balance Owed : {$XXXX ; XXXX XXXX XXXX Balance Owed : {$XXXX} ; XXXX XXXX XXXX Balance Owed : {$XXXX} ; XXXX XXXX XXXX Balance Owed : {$XXXX} ; XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 ; XXXX XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, AZ XXXX ; XXXX XXXX Balance Owed : {$XXXX} ; XXXX XXXXXXXX XXXX  Balance Owed : {$XXXX}. 
XXXX XXXX XXXX XXXX XXXX Balance Owed : {$XXXX} XXXX XXXX XXXX Balance Owed : {$XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX FL, Florida XXXX XXXX XXXX XX/XX/2024 Dear TransUnion, I am growing increasingly frustrated with the persistence of an inaccurate charge-off on my credit report, despite my repeated efforts to address the issue. 

Creditor : XXXX XXXX Account : XXXX I have followed all the instructions provided by your company, yet the charge-off account continues to appear on my credit report. I am perplexed as to why I received another letter stating that it was verified, especially when the other two credit bureaus conducted the same investigation and deleted the item.

I am seeking transparency regarding the data used to verify this charge-off account. It is concerning that the other two credit bureaus are reaching out to the same creditor to investigate the account. I believe it is crucial to understand how your company verifies information to ensure accuracy and fairness. 

While I am not one to complain unnecessarily, I feel compelled to take action to address this ongoing issue. I am prepared to file complaints with the Federal Trade Commission ( FTC ), XXXX XXXX XXXX ( XXXX ), and Attorney General 's offices in both my state and yours, as well as with the Consumer Financial Protection Bureau. 

I urge you to conduct a thorough reinvestigation of the account mentioned above, considering the new information I have provided. It is imperative that this matter be resolved promptly and accurately. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

HAVING ISSUES WITH THE CREDIT BUREAUS PROCESSING MY DISPUTE
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2018 I am being hit with a Inquiry from XXXX XXXX. I never made said inquiry. This is fraud. I never authorized or signed anything with this company and have no idea what they are talking about. I called them and they said best thing to do was to report here. Just want this removed from my credit.
Product: Credit reporting 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 Account name : 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

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have reached out to Equifax Credit Bureau last XX/XX/2021, and I have not received any response up to this date. That means Equifax has NOT complied with the Fair Credit Reporting Act Law and continued to report inaccurate information on my credit report. THE FOLLOWING ACCOUNTS ARE STILL FOUND AND NEED TO BE REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$2800.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1100.00} XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX Balance : {$2500.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$250.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX : {$590.00} XXXX XXXXXXXX Balance : {$9200.00} XXXX XXXXXXXX Balance : {$2800.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance : {$100.00} ; XXXX. XXXX, XXXX ( Original Creditor : XXXX  ) XXXX Balance : {$1200.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$220.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1400.00} ; RESIDENT VERIFY XX/XX/XXXX ; XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; US POSTAL 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

Despite multiple written requests, the unverified account listed below continues to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to Transunion on XX/XX/2023, but no answer was received. This account must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate this account, I will take legal action against you. Please abide with the law in order for this matter to be resolved promptly. 

XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I notice a change in my credit score I found these inquiries on my account that was not authorized my me on XX/XX/year> I contacted the credit bureau on this matter and no results
Product: Debt collection

XXXX. XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX. AMERICAN CREDIT ACCEPTANCE XXXX. XXXX XXXX  XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I RECENTLY OBTAIN A COPY OF MY CREDIT REPORT AND I NOTICED INCORRECT INFORMATION LATE PAYMENTS I DIDNT AUTHORIZE THIS INFORMATION TO BE REPORTED AND I BELIEVE IT IS INACCURATE UNDER SECTION 605 ( B ) OF THE FCRA IT ILLEGAL TO REPORT INFORMATION ON MY CREDIT WITHOUT MY PERMISSION
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 NUMBER : 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 four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> 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 CREDIT BUREAU 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: Debt collection

Hello My name is XXXX XXXX. According to 2 letters I received from Phoenix financial services, Original Creditor XXXX XXXX response, Current Creditor XXXX XXXX XXXX, XXXX. I've managed to contact Phoenix Financial Services, LLC over the phone and asked to disputed this for lack of information so the did, 2 weeks later I received a letter stating its my debt. The letter didn't have my social security number not even the last four digits, so I called them back and asked them to send me anything that I may have signed and they refused telling me they can't do that and that I need to get a police report instead after they will remove the debt from my credit report. I feel like no one is trying to help me resolve this issue that I clearly have no idea about nor have I ever been to the part of the state to accumulate this debt why won't they send me proof with my signature to prove it belongs to me.

Creditor Account XXXX XXXX Phoenix reference numbers XXXX, XXXX XXXX {$2300.00} claimed That I owe. I've disputed with XXXX 3 times I've disputed with the collection agency once after so many attempts trying to contact them and the original Creditor, Phoenix Financial Services, LLC ( XXXX XXXX XXXX XXXX Indiana XXXX ) Phone number XXXX