23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I just noticed that my bank accounts were frozen due to a judgement by a creditor. 
I am unfamiliar with this creditor but I recently learned that they bought the debt XXXX yrs ago. Why havent I heard from them. I never received notice that I am being sued and they got a court judgement to garnish my whole life savings. They also attached the hold on my XXXX yr olds accounts. This was all her social security and annuity income in these accts. We are unable to pay our living expenses with XXXX balances. I am the full time care giver for my mother and I am not working. Please help us with this horrible situation.
Product: Credit reporting or other personal consumer reports

would like to view the purchase agreement, the dates are not reflective of any accounts that belong to me.
Product: Checking or savings account

Experian smart money account i had open i was a good customer fraud happen on my account i was so upset i call and filed the disputes and they said it was fraud that they will investigate they did for most of them i won the case the moment i filed disputes they close my account not fair i was a good customer to them i dont understand i call and ask can they send me my money they said not to the disputes is over i told them most of them is over and i won they said i cant my money is in my account and i wont access to my funds i dont understand why my account was close any ways as it was fraud on my account and my funds are in my account and i win the case why close my account
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$13000.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNT 1. XXXX XXXX  with ACCT # XXXX opened on XX/XX/2018 with a balance of {$13000.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

I pulled my credit report and noticed that this company is reoporting inaccurate information on my credit profile. I checked the remarks section where it shows the payment history, and this company has that since the account opening in XX/XX/XXXX through XX/XX/XXXX there was on time payments. Then in XX/XX/XXXX this agency reported that i was 60 days past due. then following that the agency reported that my account was 30 days past due in XX/XX/XXXX. This company is reporting misleading/inaccurate information on my credit profile. According to 15 USC 1681eb, when a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure MAXIMUM accuracy of the information concerning the individual to whom the report relates. I demand that this company remove this inaccurate information from my credit report immediately, due to this creditor violating 15 U.S. code 1681eb by reporting inaccurate information on my credit profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

My most recent credit report revealed unauthorized requests. This is identity theft because I never gave these organizations permission to access my credit report.
Product: Debt collection

This were an XXXX XXXX bill that was deleted from my credit report and now it appears on my credit report by another company which should not have happened.
Product: Checking or savings account

On XX/XX/XXXX, my debit card was charged {$100.00} by a scammer through XXXX. I filed a complaint with XXXX and they claimed it wasn't anything they could do and to Follow up with my bank. I filed a dispute with Chime Bank and they told me that they will open an investigation. NO ONE called me to ask what happened or even an email. However, today I was informed my case was closed because the investigation wad completed. How? How do you complete a case without ALL THE INFORMATION? I reported it MINUTES after it happened.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX These are unauthorized Hard Inquiries that are currently listed on my credit report. 
These Inquiries need to be removed from my credit report.
Product: Debt collection

XXXXXXXX XXXX XXXXXXXX phone # XXXX called my place of employment and left a message with my employees telling them who they were and that I needed to call them back immediately. they also said it was concerning a debt. Then when I called the # back, I spoke to a XXXX XXXXXXXX XXXX XXXX XXXX ) and he said they had contacted my work payroll and wanted to know if I had gotten my XXXX yet and that I was being sued and if I didn't pay the {$6000.00}. I asked him what this was concerning XXXX he said it was a Chase card in XXXX. I told him I did not have a Chase card in XXXX, then he said oh the original acct was from XXXX! I got XXXX  in XXXX and we had an old acct with my ex-husband that he was supposed to pay when we got XXXX, and he told me he paid it back then. so then XXXX tells me they have hired a process server to serve me papers the next day but if I can come up with {$3000.00} he will hold off on serving me the garnishment papers and suing me and that they will give me XXXX hrs and call me back. I told him they did not need to call my job # anymore. Today I called the # back and asked the company name and address and he said we dont take mail payments I am not giving you the address I said I need your address he said well I will note that this is a refusal to pay on your account and we will go forward with serving you and we will see you in court, I asked him why he told me yesterday he had already sent me a subpoena he said and I quote " you're full of it! " I said wow he said again we will see you in court and hung up. He then called my job # back and asked for a manager, which is me, so I got on the phone and asked what he needed, he said I need to speak to someone over you, I told him there is no one I am the manager I asked what he needed he said " XXXX ; t worry about it good luck '' and hung up! he called from the # XXXX he threatened to garnish and sue me and this is not legal! the address he ended up giving is XXXX XXXX XXXX, XXXX XXXX, Ca XXXX
Product: Debt collection

Did not receive notification of debt and if it was sold or ability to dispute. Requesting proof and account status.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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 XXXX XXXX XXXX XXXX XXXX- XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX- XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Dept of EdXXXX XXXX XXXX1 Dept of ed/ XXXX XXXX Bankruptcy chapter XXXX BAnkruptcy chapter XXXX Bankruptcy chapter XXXX XXXX Bankruptcy chapter XXXX inquiries XXXX XXXX XXXXXX/XX/2022 experian XXXX cred XX/XX/2022 XXXX  XX/XX/2022 XXXXXXXX XXXX XXXXXXXX XX/XX/2022
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report. I found numerous inquiries from creditors who I did not give permission to pull my credit report. These inquiries are fraudulent. Please remove these fraudulent inquiries off my credit report. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Checking or savings account

Regions Bank charged me multiple times for checking my account at another atm. Which is understandable but they charge me too many times ; I only checked twice causing me to overdraft. Later I was charged for something that was supposed to have been declined.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against TransUnion regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX  XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

Nature of Complaint : I submitted a dispute to TransUnion disputing a late payment reported by XXXX  XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Date of Payment Processing Error : The late payments were reported incorrectly due to a processing delay by XXXX  XXXX that resulted in the payment being recorded late, even though the payment was initiated on time. 
Inconsistent Reporting Across Bureaus : The payment dates and statuses reported by TransUnion, XXXX, and XXXX are inconsistent, further indicating a discrepancy in the handling of my account information. 
Evidence provided : Bank statements showing payment initiation dates. 
Payment confirmations from XXXX  XXXX showing on-time payments. 
Correspondence with XXXX  XXXX acknowledging the payment processing delay. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, TransUnion has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

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

XX/XX/XXXX Subject : Dispute of Inaccurate Credit Information - Account : XXXX XXXX Dear Credit Bureau I am writing to formally dispute the inaccurate, unverifiable, and incomplete information that appears on my credit report from your agency. The account in question is listed below with its associated details : XXXX XXXX Account Information Account Number : XXXX ( TransUnion ), XXXX ( XXXX ), XXXX ( XXXX ) High XXXX : {$6900.00} ( TransUnion, XXXX ), {$0.00} ( XXXX ) Last Verified : XX/XX/XXXX ( TransUnion ) Date of Last Activity : XX/XX/XXXX ( TransUnion ), XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX ) Date XXXX : XX/XX/XXXX ( TransUnion ), XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX ) Date XXXX : XX/XX/XXXX ( TransUnion ), XX/XX/XXXX ( XXXX, XXXX ) Balance XXXX : {$0.00} ( all three ) Closed Date : XX/XX/XXXX ( TransUnion ) Account XXXX : Paid ( TransUnion ), Derogatory ( XXXX, XXXX ) Account XXXX : Individual ( all three ) Dispute Status : Account not disputed ( all three ) Creditor Type : Bank Credit Cards XXXX TransUnion XXXX XXXX XXXX, National Credit Card XXXX XXXX XXXX XXXX Account XXXX : Closed ( all three ) Payment Status : Collection/Chargeoff ( all three ) Creditor Remarks : Payment after charge off/collection, Settled - less than full balance ( TransUnion ), Account legally paid in full for less than the full balance, Unpaid balance reported as a loss by the credit grantor ( XXXX ), Settlement accepted on this account, Paid charge off ( XXXX ) Payment Amount : {$0.00} XXXX all three ) Last Payment : XX/XX/XXXX ( TransUnion, XXXX ), XX/XX/XXXX ( XXXX ) Term Length : -- ( all three ) Past Due Amount : {$0.00} ( all three ) Account Type : Credit Card ( TransUnion, XXXX ), -- ( XXXX ) Payment Frequency : -- ( all three ) Credit Limit : {$6000.00} ( all three ) Discrepancies and Inaccuracies There are numerous discrepancies and inaccuracies within the information reported by each bureau : 1. High Balance : Different amounts reported by TransUnion ( {$6900.00} ), XXXX ( {$0.00} ), and XXXX ( {$6900.00} ). 
2. Date of Last Activity : Different dates reported by TransUnion ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), and XXXX ( XX/XX/XXXX ). 
3. Creditor Remarks : Different comments regarding dispute resolutions and charge-off statuses.

4. Account Status and Payment History : Inconsistent reporting of derogatory status and charge-off payments across all three reports. 











Request for Investigation and Deletion Given these discrepancies and the inaccurate, unverifiable, and incomplete nature of the information, I request a thorough investigation into this account. If the information can not be verified, please delete this account from my credit report immediately. 

Enclosed are copies of my credit reports from TransUnion, XXXX, and XXXX, highlighting the relevant portions. Also included are copies of my identification and any additional documents you may require for verification. 

Thank you for your prompt attention to this matter. I look forward to receiving a response within 30 days as required by the Fair Credit Reporting Act ( FCRA ). 

Sincerely, Sincerely, XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

4 months ago venmo closed my account after I got my taxes sent to my account ( {$6000.00} ). They were concerned about the deposit and wanted to have my personal information. I was waiting for my tax paper work to be sent to me and I had lost my license so I was waiting for a new one to get sent to me in the mail. I explained all this to them and that getting a new license in the mail takes a few a weeks and you unable to go into dmv to receive one. I kept in contact with them and reassured them I would send them everything they needed to please not close my account it takes a couple weeks to get my new i.d . i had sent them everything else like Birth certificate, social security, ect. The day I got my license in the mail I opened an email from them saying they closed the account and they gave me no understanding of when they would give me my funds. That day I sent them my i.d, a picture of me with i.d in hand, social, birth certificate, tax paperwork, mail. They ignored everything I sent them and stated " my funds would be held up to 180 days and if they " should be '' available in the future they would email me '' they had also stated that they will not speak about this matter no longer with such vague emails. I've contacted them so many times and they can not give me any explanation or a spew of hope that I will get money but just in a certain time frame. They pretty much ignore me or send automatic emails. This is my tax money most of it from the XXXX children I had. I'm going through a very rough time and really need my funds. I am so disgusted that a company could just hold your money and then say if it should be available to you. This is not a random deposit. It's my taxes from the IRS with my name! Please if you could help in anyway. I'm so devastated that I still can't get a straight answer from them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the XXXX Credit Bureaus to delete these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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

XXXX XXXX XXXX  XXXX showing i was 30 days late in XXXX and XX/XX/2020. I traded the car in and purchased a new one on XX/XX/2020. The XXXX was paid off upon new purchase so how can I be late two months later when I no longer had the vehicle? Please help me resolve this issue.
Product: Mortgage

Due to my home being damaged by a hurricane I received a large insurance settlement to do repairs. I endorsed it and sent it to my mortgage company. I have completed all repairs, turned in over XXXX receipts/ documents and had an inspection set up by the mortgage company that came back as 100 % of repairs completed. The loss draft department does not communicate with me unless I call them and spend over an hour on the phone. Every time I call, XXXX told that they need XXXX more document from me. I email it while on the phone with them and then they say my check will be sent out in XXXX business days. When I dont receive the check, I call back and it is the same thing again. This has happened multiple times. According to their policy, after the inspection report coming back as 95 % or more completed they release the full amount of the funds. They have not done this and are continuing to give me the run around.
Product: Checking or savings account

On XX/XX/2023, I was notified by USAA that there was a fraud attempt on my checking account that included a XXXX transaction for the amount of {$5000.00}. I communicated to USAA that I had no knowledge of that transaction and it was flagged and stopped. On XX/XX/2023, I was again notified that there was an attempt to purchase over {$500.00} with XXXX XXXX and again it was not me so the charged was not processed. The fraud department prompted me to change my password. They also informed me that there XXXX other IP addresses signed into my account out of XXXX XXXX and the name XXXX XXXX was associated. I have no contacts in XXXX XXXX nor have I ever been there and I explained that. 
On XX/XX/2023, I checked my checking account to discover {$5000.00} transferred out of my checking account at approximately XXXX XXXX. I immediately contacted USAA and was assured that the fraud department would be notified immediately. 
On XX/XX/2023, I contacted USAA to get a status update on the fraud and I was told that the only resolution offered was discontinuing my banking services. I was informed at this time that the transfer was to another USAA account. I have no knowledge of this account, it was not created by me and neither was the transfer. I would assume that USAA can see whos account it is as an individual can not open an account without social security number, birthday, etc. 
I would like to add that I am a XXXX XXXX  on a fixed income and that was my only income for the month. My banking credentials were NOT given to anyone on my end. I would like to add that I have banked with USAA for 18 years without incident. 
Another detail I will include is that USAA security was compromised in XX/XX/2023 by a XXXX in which XXXX peoples information was unsecure. I cant say if this is directly related but I do know that I did NOT approve this transfer and it was fraudulent. 
I just want my money returned.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified information listed below still remains on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified personal pieces of information. PLEASE REMOVE THE FOLLOWING INCORRECT PERSONAL PIECES OF INFORMATION COMPLETELY FROM MY CREDIT REPORT. 
Incorrect Names : XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, L Incorrect Addresses : XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX Employer : HOMEMAKER Date Updated : XX/XX/2012 RDS Date Updated : XX/XX/2012
Product: Credit reporting, credit repair services, or other personal consumer reports

Would like assistance in removing the account and inquiries from my reports. Did all the right things to get it removed but nothing happened.
Product: Credit card or prepaid card

On XX/XX/2022, I received a digital letter from Synchrony Bank stating that my account with them through Guitar Center had been closed -- even though I had perfect payment history with them, and I still owe a balance. This is after they already reduced my credit limit earlier in the year -- again, I have perfect payment history with them. Both of these instances adversely affected my credit score. The letter and account closing date was dated for XX/XX/2022, and the credit score they were utilizing to determine this decision was from XX/XX/2022 -- more than 60 days old. There are two issues here : 1 ) XXXX shared my credit with them without my knowledge on XX/XX/2022, 2 ) Synchrony Bank/Guitar Center made the decision to close the account based on outdated/incorrect information. I called immediately and the customer service rep said her manager said it was XXXXXXXX XXXX  fault for giving them the credit score in XXXX -- however, I find much more issue with Synchrony using outdated credit information to make a decision more than once this year, given I have perfect payment history with them. Now I will continue to make payments to them, without any of the benefit of " on time '' payments on an open account. They have impacted my credit score negatively twice this year. This is the second account I have had with them where they have done this. XXXX sharing my credit score when I have my credit report locked is something else that needs to be apprehended as well.
Product: Credit reporting or other personal consumer reports

EVERY MORNING UPON SEEING MY CREDIT REPORT, THESE HARD INQUIRIES ARE STILL STRESSING ME OUT AND MAKING ME XXXX XXXX. PLEASE HELP PERMANENTLY REMOVE THESE.
Product: Bank account or service

unauthorized debit on my business account was done electronically, unknown ,XX/XX/2016 and I noticed XXXX/XXXX/16 and same date went to the bank and with the branch manager we filled a signed report .We completed our research on the transaction ... and we determined that its a business-to-business electronic payment. As a result, '' we can not remove the transactions from your account Please contact the business that initiated the transaction to resolve this problem. '' My complaint is : The bank does not cooperating at least to release the name. 
Please let me know of your advise
Product: Credit reporting, credit repair services, or other personal consumer reports

Dispute letters to correct my personal information were sent on XX/XX/2023, XX/XX/2023, and XX/XX/2023. Each time they claimed a credit repair company sent my dispute letters and would not correct my personal information. 

The letters sent on XXXX and XXXX specifically stated I was not using a credit repair service and that the letters were being sent by me. When I called the rep. today, they told me I needed to alter to them so don't look like they come from a credit repair company. I asked her how am I supposed to this and she said she does not know. She stated it's against FCRA requlation to use a credit repair service which I believe is not true. Even so, I was'nt so I was still upset regardless. 

At this point, I am upset because my claims are not even being recognized due to misconceptions with my dispute letters. They keep telling me to do it online or over the phone but I want to mail them and that should be up to me. I believe I am being unfairly treated.