23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

The company XXXX XXXX is listed on all 3 of my credit reports as paid after charge off. In XXXX I contacted XXXX regarding inaccurate very high charges one month, in XX/XX/XXXX. XXXX was to send out a meter technician to test our meter. This never happened. I disputed the charges and closed the account. Still no contact back from XXXX. I paid the account in full in XX/XX/XXXX and was ASSURED by XXXX this was to be removed from all reports. Each time I submit a dispute to XXXX, trans union and XXXX  the results come back as verified?? I repeatedly request supporting documents and to no avail receive any back up supporting their reporting. I have clean reports with this exception and have proven good credit history. I want this item from XXXX XXXX removed from all 3 reports. Again, I have requested additional supporting documents and constantly ignored from all 3 agencies and the merchant. Thank you very much.
Product: Checking or savings account

I have a Roth IRA with Ally Bank I contributed {$4000.00} over 5 years ago I took out {$3500.00} which is not a taxable. The bank sent me a 1099r for ealry withdrawl. It was not a withdrawl on earnings made from the roth IRA it was part of what I put into that account. I can withdraw contributions I made to my Roth IRA anytime, tax- and penalty-free. However, you may have to pay taxes and penalties on earnings in your Roth IRA. Withdrawals from a Roth IRA you've had less than five years
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 rigths to privacy and confidentiality under 15 USA 1681. The accounts below have violated mi rights. 15 u.s.c 1681 section 604 A section 2 : It also states a consumer reporting agency can not furmish 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 tems of information any other adverse tem of information, other tan records of convictions of crimes which antedates the report by more tan seven years. 15 U.SC 1681s-2 ( A ) ( a ) 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 innacurate delete the accounts below : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I have submitted police reports and fraud affidavit to National Credit Systems on XXXX XXXX, XXXX the first time and 3 more times since then ; last time on XXXX XXXX, XXXX. I have called their office on numerous occasions inquiring about follow up on the fraudulent account opened in my name. I received various information from different employees of National Credit Systems depending on who was available to answer my call. I was told that my correspondence was forwarded to their client several times and they have not received any communication back, I was told to call back on XXXX XXXX, XXXX to get resolution to this account. When I called today, I was transferred to XXXX XXXX. He informed me that this was the first time he has seen my account, he can see my account noted that there was correspondence received from me ; however, it was not reviewed because the company handles thousands of accounts and can not give individual attention to each account. XXXX also told me that since National Credit Systems have not heard from me via telephone ( which is a blatant lie ), they have not proceeded with any inquiries into my correspondence or the fraudulent account in my name. XXXX could not provide me with any documentation proving validity of this debt except my social security number obtained from my stolen social security card, my date of birth obtained from my stolen driver 's license, and an address which I am assuming is XXXX of the fraudulent addresses reported on my credit report. Upon my further inquiry, he told me I was rude and hung up on me. If my correspondence had been forwarded to their client and the client could actually prove validity of the debt, I am sure I would have received some sort of communication back. National Credit Systems and their representative, XXXX XXXX, are violating my consumer rights by mishandling my credit dispute and false credit reporting. 
I have contacted XXXX who deleted this account from my report for National Credit Systems not being able to verify this account. XXXX is the only CRA still reporting this account and appropriate complaint has been filed for XXXX. My messages to National Credit Systems legal department XXXX XXXX XXXX XXXX have gone unanswered. In 2 1/2 months XXXX National Credit Systems had more than ample time and notice to communicate with their client and resolve this fraudulent account. They need to contact XXXX to delete it from my report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  ( Account # XXXX ) XXXX XXXX XXXX ) ( Account Status Now Closed- Date XXXX Open- Monthly XXXX 15 U.S.C 1681 section 602A. States I Have Rights to Privacy.

15 U.S.C 1681 section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 166b : 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, credit repair services, or other personal consumer reports

My name is XXXX XXXX and I am contacting you regarding account XXXX Reported : XX/XX/2018 - {$420.00} Closed showed up on my Equifax credit report. It is fraud and it does not belong to me and I would like it removed from my credit report at once. I am a victim of identity theft but it seems like every time Equifax is forced to remove something off my credit report they find something else to add to drop my score. Please make them remove this fraudulent account because it doesn't belong to me. Also I have asked them several times to add my employer which they refuse to do my employer is XXXX XXXX XXXX XXXX. My credit score should be at almost 700 if things were reported correctly by Equifax
Product: Credit reporting or other personal consumer reports

I'm writing to ask that unapproved credit inquiries be taken off my credit record. I discovered inquiries on my credit report that I had not approved when I obtained a copy of my credit report. They are listed below. 
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: Checking or savings account

This is a follow-up to a prior report on overdraft fees generated by Citizens Bank 's failure to credit my account with a {$3000.00} credit to an affiliated account. The bank was made aware in early XXXX of the issue of a vendor refunding me {$3000.00} to an account that had been charged off, and has been promises ever since to track down the money and issue me a check. I experienced three broken promises from the local branch to issue me a check and have it to me by the following week, all through XXXX and early XXXX. Their failure to send it -- once due to a " computer glitch, '' other times due to never having gotten around to it, caused me to generate over {$1000.00} in overdraft charges. 

Last Friday, I received a call from the office of the chairman with an attempt to rectify the problem with a refund of roughly 1/4 of the overdraft charges and a commitment to track down the status of my {$3000.00} and get me an update " within two business days. '' One week later, I have received no update, no check, and no returned calls after leaving two voicemails. Meanwhile, my funds are dwindling once again, and the situation feels specifically like the bank is continuing to intentionally slow-walk and withhold resolution to returning my money in order to cause me to generate further overdraft fees. This is theft, plain and simple. It does not take two months to track down and return a credit made to the wrong account. This is negligence at best and possibly criminal, and certainly predatory.
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and update it immediately in my report : XXXX XXXX XXXXXXXX, XXXX. XXXX. Please correct and update.
Product: Credit reporting or other personal consumer reports

I have reached out numerous times to remove these inaccurate reports from my credit report.
Product: Credit card

I have been paying off this credit card for the last three years and now I dont understand why they keep adding more fees late fees, interest fees all of these extra fees there is a {$69.00} balance that I would like forgiven they did not offer me or anything, and I just want to be done with this account
Product: Debt collection

This Compy Jefferson Capital System Im not familiar with they told me it was XXXX phone from XXXX which is crazy cause I have XXXX now as a phone provider. So this should be taken off and closed. They also repeatedly call as early as XXXX and continue throughout the day. The amount is {$2900.00}. I had added photo of all the different numbers calling me.
Product: Bank account or service

I filed a complaint with Wells Fargo about fraud occurring on my banking account, I then filed a police report about the situation with the police office of where I currently live. I called the bank and they told me I will not be getting my money back on this. These actions occurred on XXXX XXXX.
Product: Credit card or prepaid card

I purchased a {$200.00} American Express gift card from the XXXX at XXXX XXXX XXXX XXXX, XXXX, RI on XX/XX/XXXX. I used the card normally for in person purchases. It remained in my possession in my wallet except when it was being used for purchases. On XX/XX/XXXX, two fraudulent purchases were made over the internet using my card totally {$130.00} ( two charges to XXXX @ {$19.00} and {$120.00} ). I noticed these charges on XX/XX/XXXX when checking the card 's balance on the American Express website. This check of an older card was done because I had fraudulent charges on another card - I went back and checked all of my older cards. I immediately called American Express to report the fraud. The agent stated that American Express is not responsible for any charges that occur before a problem with the card is reported. He took my information and said that American Express would investigate and get back to me. It has been a month and I have n't been contacted.
Product: Credit reporting or other personal consumer reports

I am writing to you as the holder of credit card account number XXXXXXXX XXXX # XXXX to report an issue negatively impacting my credit report that appears to be in violation of the provisions of 15 U.S. Code 1666b, as well as other relevant sections of the Fair Credit Reporting Act ( FCRA ). 

According to 15 U.S. Code 1666b, creditors must send periodic statements, including all information required by section 1637 ( b ), at least 21 days before the payment due date. This requirement ensures that consumers have sufficient time to receive, review, and make necessary payments without being unfairly penalized for late payments.

Additionally, the FCRA, specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files. 

I have identified that the statements for my credit card have not been delivered in compliance with these requirements, resulting in the appearance of late payments on my credit report. This non-compliance has adversely affected my credit score. 

I formally request that you investigate and correct any inaccurate information related to these late payments on my credit report. Below are the details of the affected payments : Date of reported late payment : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX I would appreciate your prompt attention to this matter to rectify any errors in my credit report. I am willing to provide any additional documentation necessary for your investigation. 

I look forward to receiving written confirmation of the actions taken to correct this information and ensure compliance with the relevant regulations.
Product: Debt collection

Im in the process of cleaning up my XXXX credit report when I notice a negative account from First Data Merchant Services. I disputed the account with XXXX since I 've never been a business owner and never had an account with them. The dispute came back as " We verified that this item belongs to you '', and for me to contact First Data Merchant Services regarding the account. After 2 days of being shuffled around from Corporate customer service to their fraud department, back to customer service again, no one could help me resolve the problem. The fraud department sent me to a department to obtain the last XXXX digits of the account number because they are x 'd out on the credit report. When talking to this person, she indicated she could not obtain the last XXXX digits and did n't know why fraud protection thought she could. She searched the database using my name and no account came up with my name. She then told me that she does n't know what else to do since she had no way to obtain the last XXXX digits of the account number and searching resulted in no account using my name.
Product: Mortgage

Soo I have been a home owner for 20 years my loan has been bought and sold numerous times which basically means your stuck with the company you didnt get to choose so my mortgage was taken over back In XXXX the new company has a different set of rules then any other company Ive dealt with in the last 20 years of homeowner ship that I find unfair and predatory and here are my examples first they havent sent me a single letter let alone a mortgage statement second I have always been able to have a 15 day grace period to pay mortgage not with this company third if I chose to make a payment from an automated phone call its {$12.00} free with the other 7 companies if I choose to pay online its free till the 4 th of the month then there is a fee again usually free till the 15 with any other company there are more issues but what Im getting at is how is it fair for them to change the terms of a loan on me without my consent
Product: Checking or savings account

I filed a dispute 3 days ago and they freeze my account because of that. And now o just wanted to cancel the dispute that i made and i needed to withdraw whatever is left on my account. But they still resisting that i have to wait for that 10 days. I want to get my money in there and i want to close the account that i have on venmo. Im still having emotional distress because of what they are doing.
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. 
XXXX  XXXX XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX 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 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 or other personal consumer reports

Subject : Immediate Correction Required XXXX  XXXX Bankruptcy Discharge Reference Number XXXX Dear XXXX XXXX, Your response dated XX/XX/year>, is both inaccurate and indicative of predatory practices emblematic of XXXX XXXX. Allow me to clarify facts you should have already reviewed prior to drafting your dismissive reply. 

I filed XXXX XXXX bankruptcy, not XXXX XXXX, under docket no. XXXX, with the U.S. Bankruptcy Court in XXXX, Virginia. This bankruptcy was XXXX, providing me with a fresh start. The debt you reference was legally XXXX, and your continued attempts to collect are both unjustifiable and in clear violation of federal law, including the Fair Debt Collection Practices Act ( FDCPA ). 

Your lack of understanding regarding the distinction between " dismissed '' and " XXXX '' cases is both alarming and unacceptable. This is not a matter of interpretation or clerical error ; this is a failure on your part to accurately process public records and account statuses.

Your letters reference to adherence to credit reporting guidelines under the FCRA ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) ) is moot when your underlying reporting is erroneous. If this debt is not removed from my credit history and all collection efforts cease within five business days, I will escalate this matter through litigation and report your actions to the appropriate regulatory bodies, including the CFPB and FTC. 

I expect an updated response confirming that this debt has been marked as XXXX, all credit inaccuracies have been corrected, and no further correspondence or collection efforts will occur. Failure to comply will result in immediate legal action. 

Sincerely, XXXX XXXX
Product: Debt collection

This debt was not mine, I had it removed from XXXX credit reports while it was under the name of a different collections agency. Now, I am getting harassed by a new company called XXXX regarding this previously deleted account. I feel very uneasy about this issue. I was yelled at over the phone, and was told that I am basically a bad person for not paying my " debt '' by the collector. I do not deserve to be treated this way, especially for a debt that I had been cleared of already.
Product: Credit reporting, credit repair services, or other personal consumer reports

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. 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 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. In accordance with FCRA, I am requesting these accounts to be reviewed for completeness and accuracy, and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

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

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX  and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Money transfer, virtual currency, or money service

I am filing a complaint Cash app ( Block , inc ) due to inadequate customer service and unfair practices, which violate the consumer financial protection act ( CFPA ). Cash app failed to take timely and effective measures to prevent an address frauds on their platform, leaving my account, vulnerable and unprotected. Furthermore their dispute and resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the electronic fund transfer act and regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Checking or savings account

On or about XX/XX/year>, i discovered that there were fraudulent transfers of funds out of a joint checking account at the USAA Federal Savings Bank. The transfers resulted in a negative balance ( as of today of approx {$7300.00} ). Consequently, our accounts were put on hold, we can not access the funds in the account ; and standing auto payments with household vendors ( utility company, life insurance companies, personal credit cards ) have been denied for payment by USAA Federal Savings when presented as scheduled. 
The Bank XXXX XXXX Department has been investigating this matter but now, nearly XXXX weeks into their efforts, the Bank has not been able to close out the investigation, resolve its details nor restore the funds in our joint savings and checking accounts and our access to them. i've been continuous communications with approximately XXXX different " front line '' staff at the bank but without resolution. My request to speak to a senior level XXXX to determine when the problem would be resolve has not been responded to. In my conversation today ( XX/XX/XXXX ) with a member of the XXXX Department, I learned that this issue will be " escalated to a higher level XXXX '' for response. Thus far, that hasn't happened.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute on XXXX XXXX with Transunion on XX/XX/2018 for a XXXX XXXX XXXX card that was opened fraudulently. I still have yet to receive my results or they have not finished their investigation and it's been 2 months.