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

Good evening I received a response from TransUnion about a couple disputes I sent to them about a XX/XX/XXXX. One being a XXXX XXXX closed account that was reversed. from current payed account to late 30 days I need you to look at this and make it make sense because maybe my eyes bad first off transactions and or expressions are not apart of ones consumer report 15 USC 1681A ( 2 ) ( a ) so reporting an account like this is illegal and two how can something be late if its shows it was payed the same month and year they claim it was late The Second dispute is for XXXX XXXX account which is reporting a LATE PAYMENT XX/XX/XXXX once again TransUnion did not address the issue of it being illegal to report Late Payments 15 USC 1681A ( 2 ) ( a ), or how about 15 USC 1666B TIMING OF PAYMENTS, and 15 USC 1666 CORRECTION OF BILLING ERRORS, XXXX XXXX XXXX I didnt ask for the account to be verified they think they can just say its verified and think thats it I told them the information that you are reporting is private and I did not give permissible purpose to report sell or furnish my private information to any third party consumer reporting agency first off and secondly LATE PAYMENTS REPORTING IS ILLEGAL as I stated for all of these companies that choose to report TRANSACTIONS and transactions and or expressions are not apart of a Consumer Report, Consumer law prohibits this type of reporting, they dont care about the law I inform them of these errors and they refuse to correct them because they think they can do what they want this complaint is the next step in having you step in to make them abide by consumer law next I will be suing because XXXX tied of the disrespect
Product: Credit card

XX/XX/year> because I do not have the full account number of the fraudulent credit card I was unable to contact anyone at Bank of America. They have my incorrect address and a credit card on my credit report that isn't mine.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to express my profound disappointment and grave concerns regarding the accuracy of my personal information on file with your esteemed institution. While perusing my credit report, I was dismayed to discover discrepancies that have raised significant questions about the completeness and accuracy of my records. Specifically, there are inconsistencies in my identification, Social Security number, and proof of address, which I have attached to this letter for your thorough review. I earnestly request that you investigate this matter and take prompt and necessary actions to rectify any errors and update my personal information in a timely and precise manner. Your cooperation and assistance in this regard are paramount to retaining my trust and confidence in your institution. 

Incorrect Previous Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Navient continues to call friends, family, and place of employment.Navient has been asked both verbally and in writing, including a formal complaint to only contact myself at the provided phone number and address. Navient continues to harass family and friends, and is displaying unethical tactics.
Product: Credit reporting or other personal consumer reports

As of XXXX, I XXXX XXXX recently reviewed my consumer profiles on XXXX, Transunion and XXXX and noticed a collection account from XXXX XXXX XXXX reporting a balance from XXXX XXXX XXXX XXXX for {$1500.00}. It is unlawful to report medical information on my consumer credit profile. 15 U.S. Code 1681a 3 ( A ), ( B ) and ( C ) states : Restriction on sharing of medical information.Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) medical information ; ( B ) an individualized list or description based on the payment transactions of the consumer for medical products or services ; or ( C ) an aggregate list of identified consumers based on payment transactions for medical products or services. The said policy is also reiterated in 12 CFR 1022.30 ( b ( ) 2 ) : General prohibition on obtaining or using medical information ( 1 ) In general. A creditor may not obtain or use medical information pertaining to a consumer in connection with any determination of the consumer 's eligibility, or continued eligibility, for credit. The reporting of my personal medical information on XXXX, Transunion and XXXX are major violations of my federally regulated rights. This reporting has caused pain, harm, duress and discrimination to my person. As a result, I would like this XXXX XXXX XXXX account to be removed from my consumer profiles on XXXX, Transunion and XXXX immediately. Thanks for your cooperation. Without Recourse - XXXX XXXX.
Product: Credit reporting 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 sent a letter to the Experian credit bureau but I never received a response from them. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate this account, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX  XXXX XXXX Balance : {$14000.00}.
Product: Debt collection

Debt has NOT been paid in full however this debt was originally placed with another debt collection agency who then transferred it over the Medical Revenue Service and they never notified ME of the change and all this time I have been paying the other debt collection agency for the same debt that they marked against my credit. Now the other debt collection agency ca n't seem to tell me where all my payments went to and Medical Revenue Services do n't have any records showing that I have been paying on said debt for the past year!!!!!
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of the following fraudulent accounts and inquiries from my credit file. As a victim of a data breach, I did not authorize the creation or association of these accounts. Under 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have these items removed from my credit report without delay. 
Fraudulent Accounts : XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$3200.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$100.00} XXXX XXXX XXXX - XX/XX/XXXX - {$110.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$870.00} XXXXXXXX XXXX - XXXX - XX/XX/XXXX - {$880.00} XXXX  - XXXX - XX/XX/XXXX - {$130.00} XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$690.00} XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$3900.00} Fraudulent Inquiries : XXXXXXXX XXXX XXXXXXXX - XX/XX/XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXXXXXX XXXX  - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/2022, I made a transfer of {$2500.00} to XXXX XXXX on my bank 's website using the Zelle app. I was notified the next morning that the payment could not be completed and the money would be returned to my account in 1-3 business days. I checked my account Friday, XX/XX/2022 to find it was not available. At this time, I called XXXX XXXX to request the refund and I was told it would be another 3 days. On Tuesday, XX/XX/2022, the funds are not in my account and XXXX XXXX is attempting to dispute and recovery my funds. At this time, Zelle is not receiving calls to address issues and there is no way to contact them.
Product: Credit card

I have had an credit card account with US Bank for a few years. I wanted to add my husband to the account as an authorized user.We filled the paperwork out two times at the branch. 
On or around XXXX XXXX, 2016 a representative from US Bank called to explain that we would have to reapply for a credit card with a joint account. I asked if it would hit my credit and said yes. I told them absolutely not and withdraw the application. Both my husband and I have fraud alerts on our credit files. Even though I told US Bank no, they ran both of our credit on XXXX XXXX 2016 through XXXX. I have called the bank and they told me I have to write a letter containing my account number to The credit bureau disputes address. We have been a victim of fraud and I will do no such thing. US Bank need to remove the unauthorized hard inquires from our credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

The listed account is fraudulent as was opened and charges were made without my consent and the the account balance is incorrect. 

XXXX XXXX XXXX {$1200.00} Acct # XXXX
Product: Credit reporting or other personal consumer reports

I looked at my report in XX/XX/year> and notice some information is incomplete and not accurate. According to the Fair Credit Reporting Act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the reports relates. This account XXXX XXXX XXXX account number XXXX, XXXX XXXX account number XXXX is not completes and not accurate. 

XXXX XXXX XXXX account number XXXX open date is not reporting correctly, date laste active and date of last payment is not correct, this account is not accurate. 

XXXX XXXX account number XXXX open date is not reporting correctly, date laste active and date of last payment is not correct, this account is not accurate. 

I sent a letter to Transunion and XXXX XX/XX/year> asking them to reinvestigate these accounts. 

I did not receive a reinvestigation letter back with any modified or updated information XX/XX/year>. 

I requested a description of the reinvestigation and they did not provide it to me which is a violation of 15 USC 1681i7.

They also violated 15 USC 1681i ( 5 ).

Can you look into this matter
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( XXXX ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Money transfer, virtual currency, or money service

Coinbase Inc., advertised that a deposit made from a linked XXXX XXXX account via ACH transfer would be available in seconds. It has been 8 days since my {$1000.00} deposit has been withdrawn from my checking account, but it never confirmed by Coinbase. Coinbase simply stole {$1000.00} from me. Coinbase app and website crashes frequently and I 'm locked out of my account most of the time. I believe, coinbase is engaged in fraud and deceptive busines. All attempts to reach coinbase representatives were unsuccessful. The company did not respond to email, phone or webform requests for help.
Product: Credit reporting or other personal consumer reports

In XXXXXXXX XXXX XXXX, I called to request a XXXX due to a report of a charged-off account with a reported balance of $ XXXX, and the company denied my request to provide a XXXX, nor was the representative helpful in providing past statements so I could see the additional interest that was charged to my already closed account. I wrote several written requests to XXXX, XXXX, and XXXX disputing the reported charge-off and stating that the amount the company reported was inaccurate. The three agencies previously listed responded to my dispute of erroneous reporting by stating that the information was correct and deemed accurate without providing me any verified proof of this. 

There is a continued pattern of generic and standard responses stating that they would investigate the claims of inaccurate reporting as verified without allowing me ( the consumer ) the platform to state these inaccuracies accurately. This deliberately goes against and violates FCRA 604 15 USC 168 1b.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit collection services is mistakenly reporting on my credit. I settled the balance with the original creditor XXXX XXXX XXXX and they advised me that the collection will be removed. Please find proof of payment attached to this complaint.
Product: Mortgage

My mortgage was with The XXXX XXXX during the pandemic when I lost my job due to XXXX. I was in the process of a modification and was told by the representative in XXXX of 2020 not to make anymore payments and that I could go into forbearance while looking for work. I went several months without being able to speak to anyone at unemployment and it took almost 2 years to find a job. During my forbearance period I was charged numerous fees on a monthly basis. Once I gained employment I spent over a year going back and forth on modification options. My mortgage has since been sold to XXXX Mortgage whos idea of a modification is to not only increase my payment but interest rate as well. I was unaware I was even in the foreclosure process until it happened to come up while on a call about modification options with a representative
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the third time I have complained about this account on my credit report it is not accurate and was never verified according to the FCRA guidelines 623,611 please remove the following account they are not accurate : OHIO DEPT OF HUMAN SERVICES {$2800.00}. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the  UNVERIFIED items listed below are not deleted immediately
Product: Debt collection

A company just called me today called XXXX XXXX. Phone number XXXX. They said they were coming to my apartment tomorrow to serve me papers for an old debt from Citibank, over six years ago. The debt was XXXX, now its up to XXXX.the first man I spoke to on the phone told me they were going to come and serve me with a warrant. I am a senior citizen on social security.
Product: Credit card or prepaid card

I purchased furniture from Macys and they gave me {$2500.00} credit limit on XX/XX/XXXX. I was making my regular monthly payments and most months double the monthly payment. I was in good standing and abiding to my credit agreement. Without notice they lowered my credit limit to {$2100.00} which put my account in over the balance. As of XX/XX/XXXX my outstanding balance on account is {$2600.00} and that's after making payments that have increased from {$24.00} per month to {$100.00} per month. I called to talk to customer service and they said they just randomly checked my credit in XX/XX/XXXX and my credit score had dropped. I had just bought a new car at that time. They were not willing to reinstate my credit limit and basically extorting all the previous payments I have made towards the balance on this account for the past 16 months and then some with interest and late fees. Macy 's is ruining my credit. This can't be legal. I have never had a credit card company lower my credit limit to purposely cause my account to go into over credit limit so they can get more money with late charges and fees!
Product: Credit reporting or other personal consumer reports

CRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

The block must be no later than 4 business days The information is fraudulent.

The block wasnt made in error and I never received goods or services. Its identity theft. Plain and simple. These was someone using my identity therefore its fraudulent and must be removed or the next step will be to sue the consumer reporting agency who is violation the FCRA.

The other major consumer reporting agencies immediately removed and blocked the fraudulent accounts when proper documentation was received which is what XXXX received. Maybe they arent familiar with 605 or dont care about it but they are violating it nonetheless
Product: Debt collection

The fair debt collection practice act is intended to secure my right to privacy and my right to privacy has been breached. 

The truth in lending act is intended to protect consumers against abuse and deceit by creditors and i have been abused and deceived. 

The fair credit reporting act is intended to report fairly and equitable to the consumer and i have been abused 15 usc 1681b Santander XXXX XXXX is in violation of 15 USC 1692b ( 5 ) Santander XXXX XXXX is in violation of 15 USC 1692b ( 2 ) Santander XXXX XXXX is in violation of 15 USC 1692e2 ( A ) Santander XXXX XXXX is in violation of 15 USC 1692e ( 4 ) Santander XXXX XXXX is in violation of 15 USC 1692d ( 4 ) Santander XXXX XXXX is in violation of 15 USC 1692 ( 13 ) Santander XXXX XXXX is in violation of 15 USC 1692i ( b ) Santander XXXX XXXX is in violation of 15 USC 1692j ( a ) Santander XXXX XXXX is in violation of 15 USC 1635 ( a ) Santander XXXX XXXX is in violation of 15 USC 1605 ( A ) Santander XXXX XXXX is in violation of 15 USC 1635 ( b ) Santander XXXX XXXX is in violation of 15 USC 1681A ( 2 ) ( I )
Product: Checking or savings account

XXXX allowed my county tax office to cash the same check two times, causing financial harm to me and my family. Details below. 

XX/XX/XXXX - Check # XXXX was cashed in the amount of {$2800.00}. This is cashed as intended for my XXXX winter property taxes. 

XX/XX/XXXX - Check # XXXX was cashed AGAIN over a year later for {$2800.00}. This is a major issue as I'm not sure how a competent bank could allow the same check to be cashed twice over a year a part. 

XX/XX/XXXX - I called Chase to alert them of the issue and dispute the charge. They said it will take two business days to get to fix. This is unacceptable as I made XXXX error. It was Chase 's incompetency that caused this issue to begin with. Waiting at all is unacceptable. Throughout the process of filing the dispute, I was transferred from multiple different departments. Nobody had a clue what I was talking about. The wait time between every transfer was 30+ minutes. I was on the phone for hours and got nowhere. 

XX/XX/XXXX - I called back to confirm the dispute and get an immediate deposit back to my account. I was reassured multiple times by the representative that there was nothing they can do and that my money will be back in my account on Monday XX/XX/XXXX. I asked several times to speak with a manager or someone who can help me. The person was completely unhelpful and repeated that nobody can help me. She ultimately hung up on me after telling me the funds will be in my account on XX/XX/XXXX. 

XX/XX/XXXX - The funds were not in my account. I called Chase again. Only to be told that a dispute was never filed. This is literally impossible. I spoke with multiple people who all told me it was filed and I would get my money on Monday the XXXX. 

Due to the complete incompetency on behalf of Chase and the absolute lack of care and solution focus from their lack luster Customer Service department, I am cancelling my Chase account, paying off my credit card, and taking my business to a company that cares and has customer service reps with common sense. In the meantime, my son 'XXXX XXXX, groceries, XXXX XXXX, and the property tax check for our other house is written against the same checking account. I expect all fees will be covered and a compensation check of {$500.00} for my time be sent.
Product: Money transfer, virtual currency, or money service

I received a phone call on XX/XX/2021 from XXXX ( this is the WF fraud department ) as I was driving. The representative calling informed me my card ending in XXXX had been compromised and someone was trying to use this card in XXXX at a XXXX XXXX and asked if it was me. I quickly responded, No that was not me. She then asked about the last 5 or so transactions to ensure they were accurate. She advised to cut up the card and WF would send a new card in the mail. She then said, did you set up a wire transfer in the amount of {$5400.00} to which I said absolutely not. She said, o.k Im sending you a confirmation number to your phone number I need you to confirm your identity please read me that confirmation number. I glared at my phone, as Im driving to report the number in which I do. She asked if I had received an email confirming these details and I quickly glance in which I read the details and at the bottom it says if you feel this is fraudulent call XXXX. I stare at the phone number on my phone and the number to call from my email for WF fraud and the numbers are the same, so Im pretty confident Im being accurately helped. She then asked if I had initiated a wire in the amount of {$19000.00}. That absolutely wasnt me! She again asked for the confirmation code being sent to my phone and I report it back to her. At this point Im starting to become suspicious as to why I would have to confirm my identity again. I pull over to read the texts and the texts state do not share this number with anyone. I inquire with the representative and she states that all calls are monitored and recorded and she needed the numbers to confirm my identity. I inform her that I dont feel comfortable and that Im heading into the nearest branch. She responded by saying, absolutely head into the branch, any extra layer of protection for your account is better for you. I immediately head into the branch at XXXX XXXX XXXX XXXX, CA XXXX. I frantically rush into the branch with her still on the phone and ask the seated representative for help. He asks me to wait in line at the teller and about 1 minute later she hangs up. About 8 minutes go by until I can be helped in the branch. When they pull up my account 2 pending wire transactions are on the screen and I advise they were not from me. The representative at the branch calls the fraud department and at that point I felt that everything would be o.k. Well here I am 2 weeks later out of {$24000.00}.
Product: Credit reporting or other personal consumer reports

notice an unfamiliar inquiry on my credit report Onemain ( Finance ) XX/XX/year>