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

Incident Description : On XX/XX/XXXX, I initiated a formal dispute with Experian to address historical entries marked as late payments for the years XXXX and XXXX. Upon receipt of the dispute results on XX/XX/XXXX, I identified an erroneous update to my XXXX XXXX XXXX account. The credit report inaccurately stated there were no records for XXXX and XX/XX/XXXX and incorrectly listed the account as charged off in XX/XX/XXXX. 

Actions Taken : 1. Initial Dispute : Filed on XX/XX/XXXX on Experian, with substantial supporting documentation, including statements, yet the report on XX/XX/XXXX, showed no changes. 

2. Escalation and Second Dispute : I escalated the matter by resubmitting the dispute via Experian and directly contacting XXXX XXXX 's XXXX department, confirming that my account was active and in good standing. Further evidence of timely payments was provided via the Experian app during this second dispute. 

3. Final Dispute : An updated credit report received on XX/XX/XXXX, via Experian still reflected the inaccuracies. I filed an immediate subsequent dispute. 

4. Communication with XXXX XXXX : Despite multiple disputes, XXXX XXXX issued a letter today stating no adjustments would be made, contradicting earlier verbal confirmations. Attached is their letter alongside evidence disputing their claim, including account statements and I am also willing to provide debit card statements of the transactions, if needed. 

Additional Information : On XX/XX/XXXX, I requested my XXXX statements and was promised a response within a specified period ( 14 days ), which has not yet been fulfilled.
Product: Credit reporting or other personal consumer reports

I am writing to convey my disappointment regarding your recent claims concerning my accounts. I AM FIRMLY REJECTING THESE CLAIMS ON THE GROUNDS THAT YOU LACK ANY SUBSTANTIAL MATERIAL FACTS OR EVIDENCE TO SUBSTANTIATE YOUR ASSERTIONS. Consequently, I strongly urge you to initiate a comprehensive and immediate investigation into these matters. 

Your recent claims have cast a significant shadow over my financial standing and have the potential to inflict severe harm on my creditworthiness. It is of utmost importance that we expediently and accurately address this situation to prevent any further repercussions. 

Moreover, I MUST EMPHASIZE THAT I VEHEMENTLY REJECT YOUR POSITION TO DECLINE MY IDENTITY THEFT CLAIM!!! The authority to determine whether I have been a victim of identity theft rests not with your organization but with the established legal processes. Your authority or legal standing does not grant you the right to make such a claim on my behalf.

In the event that you persist in declining my position, I am prepared to take legal action by contacting my attorney to pursue a legal remedy. I implore you to ensure that my identity theft claim is processed in strict accordance with the letter of the law. Please have this account removed from my records. 

, XXXX XXXX XXXX XXXX
Product: Bank account or service

ON XX/XX/2016 I had a deposit of XXXX into my account and on the same day I had XXXX different companies authorize XXXX different transactions in the amount of XXXX and XXXX both of which were approved. Then on XX/XX/2016, while those XXXX transactions where still pending I used my debit card for XXXX other transactions XXXX for XXXX and another for gas in the amount of XXXX, at the close of business on XX/XX/XXXX those XXXX transactions where both still pending and my bank which is Bank of America preceeded to charge me an verdraft fee for both the first XXXX and the XXXX, stating that at the time those items posted that my account was overdrawn, at which time it was not, I had the funds to cover the items.When I called and spoke to Bank of America, they stated that at the time those items came into my account it was overdrawn, which in fact it was NOT. The representative proceeded to show me on another screen where it showed it was overdrawn. I noticed that on that screen Bank of America re-layered the transaction showing the XXXX pending transactions as still pending but coming in first and the rest of the transactions after and that is how they are getting away with charging me the fees. How can a bank charge overdraft fees on transactions that were already approved and had not overdrafted my account. So the XXXX transactions that they charged me fees on where autherized first on XXXX/XXXX/2016 and posted on XXXX/XXXX/2016, but they are saying at the time they posted to my account it was negative, however the item that they said made it negative was a transactions that was done on XXXX/XXXX/2016 and is still pending and will not post to my account until the close of business on XXXX/XXXX/2016.
Product: Credit reporting, credit repair services, or other personal consumer reports

Reporting agency did not respond in 30 days
Product: Credit reporting, credit repair services, or other personal consumer reports

Clear violation of law on my consumer report
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the documents needed, a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Bondage Final Rule 1002.142 ( b ) ( 4 ) - ( 5 ) -- -- -- 1002.142 ( b ) ( 7 ). I have provided my photo ID along with the other required documents. I kindly request that you block this information from my credit report within XXXX business days, pursuant to section XXXX of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the LAW. Which I have provided all of my documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 )
Product: Mortgage

I am currently a pro se defendant in a lawsuit filed by an attorney claiming to represent PNC Bank, NA, as the Plaintiff in XXXX, 2019. This lawsuit filed against me is for the purpose of evicting me from my home of almost 15 years. I am a XXXX year old female, twice widowed with XXXX  adult children. 

I am a XXXX individual suffering from XXXX, XXXX XXXX   XXXX and an XXXX XXXX. I had been making progress with my medical team. 

I have spoken directly with PNC Bank on numerous occasions since the onset of this complaint filed against me. PNC Bank has repeatedly confirmed they have no records or information of ever having any mortgage with me for my homestead property. They have repeatedly confirmed ( after a thorough search of my name, social security number, and/or property address ) they have no knowledge of me or any purported mortgage with me. 

I have records and witnesses to these conversations with PNC Bank. I was informed by PNC during a phone call ( approximately one month ago ) that they would send me verification of this by mail or email but have not received anything. 

The XXXX XXXX of this situation has caused extreme worsening   of my XXXX. 

Obviously, this matter needs immediate attention.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2018 I paid {$2400.00} on my existing car loan, with the intent to pay them 6 months in advance. For the last 3 months they have been increasing the balance on my credit report instead of decreasing it. It went from being XXXX to now being increased to almost XXXX. How can that be? I have never missed not one payment. At this time I believe I owe less than what they are reporting and they are attempting to get over on me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX and XXXX  are reporting incorrectly a repossession on the XXXX   XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I purchased a truck from a dealership and within a day, when the vehicle was running, large amounts of smoke was coming out of the tail pipe. I took it to the auto shop and they said that the engine would need to be replaced. The warranty that I purchased only covers half of the expense and my estimated out-of-pocket would be around {$5000.00} to {$6000.00}. I returned the vehicle back to the dealership within the time from for the vehicle to be under the Lemon Law. The dealership assured me that they would fix the vehicle. Shortly thereafter, the dealership told me that they had to trash the vehicle because they couldnt fix it. They offered to sell me another vehicle however, I was not going to purchase another vehicle because the one I did purchase I was assured would be fixed. I returned the vehicle within the time frame allowed. This line item is being coded as repossession and this coding is false. This account also needs to report a {$0.00} balance. This false reporting of a repossession is seriously harming my credit score and this line item needs to be either be removed or coded correctly. It is a violation of the Fair Credit Reporting Act to report inaccurate information. I have contacted the bureaus to remove this, but I have not been successful.
Product: Checking or savings account

In XX/XX/XXXX 2017, I attempted to establish a Primary Beneficiary and Contingent Beneficiaries with Ally bank. Ally Bank said that I can not do this because they are a small bank. I wrote the XXXX XXXX XXXX and they said on XX/XX/XXXX they would not allow me to properly establish my beneficiaries. Ally Bank said they have closed my valid complaint case without any action. 

For example, if I have an individual Saving Account and want my wife to be given the funds if I XXXX, while if my wife and I both XXXX at the same time, I would like the funds to go to my contingency beneficiaries, my XXXX sons, Ally Bank will not honor my request. 

If I had an individual account and I XXXX, the funds must be split XXXX ways, XXXX XXXX going to my wife and XXXX XXXX to each son. 

Ally Bank is required exhibit fiduciary responsibility. and they refuse to distribute my funds in accordance with my wishes in the event that I XXXX XXXX. 

Ally Bank needs to change and allow ALL Ally Bank Customers to properly set up beneficiaries.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Navient student loan account is in forbearance. 

Navient has not notified the credit bureaus with the correct information concerning my account. 

My credit is negatively being effected and it is against the law for Navient not to be updating the credit bureaus with the correct information.
Product: Credit reporting or other personal consumer reports

Racial bais Adding fraudulent accounts to my credit report.

Geogphical profiling.

Social Profiling.

15 USC 1650 15 USC 3002-10 ( Person ) 18 USC Section 241
Product: Money transfer, virtual currency, or money service

I am writing to inquire about the recent suspension of my Venmo account. I was surprised to find that my account was suspended without any prior warning or explanation, and I am hoping to better understand the reason for this action. 

I have been a loyal and responsible member of Venmo for many years and have always followed the platforms guidelines. As such, I would greatly appreciate it if you could provide clarification on why my account was suspended. Additionally, if there is an appeals process or steps I can take to resolve any issues and have my account reinstated, I would be happy to accommodate any requirements. I have responded to the previous email and submitted a picture of my photo identification. 

Please let me know what information you need from me in order to assist in resolving this matter. I look forward to your prompt response and to working together to clarify and resolve this situation. 

Thank you for your time and assistance. 

Best regards,
Product: Credit reporting, credit repair services, or other personal consumer reports

The following inquiries were not authorized by me. These inquiries were done without my knowledge or approval. The inquiries I did not authorize are all the inquiries from XX/XX/XXXX to XX/XX/XXXX. I reviewed all of the inquires during that time frame and I did not initiate or authorize any of them. I am attaching identity documents to this complaint.
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. 

Bridgecrest/ Acct # XXXX, XXXX XXXX  XXXX Acct # XXXXXXXX XXXX XXXX XXXXXXXX Acct XXXX XXXX, XXXX XXXX XXXX Acct 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 or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$22000.00} XXXX XXXX XX/XX/2024 XXXX XXXXXX/XX/2024 XXXX XXXX XXXX XX/XX/2024 XXXX XXXX XX/XX/2024XX/XX/year>
Product: Credit card or prepaid card

Synchrony bank TJMaxx XXXX was closed without my knowledge or even a notice, I was checking my accounts and noticed it. Last weekend I checked my account and it wasn't paid with autopay that I set up in XXXX when I changed my bank account through their automated system, I also made the payment in XXXX. In XXXX when I noticed it didn't autopay ( last week ) I called them, made the payment and found out their system didn't change my mailing address or my bank account. While on the phone with them we fixed the address, banking information, I made my payment and disputed the {$38.00} fee they charged me for being late. I explained what I said above and they said they removed but that is when they probably closed my account behind my back. Last night when I. checked my credit report my points went down and when I saw Synchrony closed my tj max I was flabbergasted. I called them and they said I have 3 returned payments and there is nothing they can do. One was in XX/XX/2022, XXXX in for XXXX this year that I didn't even know about and XXXX 's payment wasn't done and I realized that ( last weekend ) that is when I called them. Synchrony bank hurt me during Covid by cutting my available credit in half even though I was in good standing. This system is destroying my ability to move forward in life and I beg you to please see what they are doing to hold me down. Their system did not make the changes I put in, I have even had a problem setting up autopay In the past just to be charged the hefty late fees. Please investigate them and open my old complaint if you can. Thank you for your valuable time.
Product: Checking or savings account

I received a letter from U.S. Bank dated XX/XX/2022 stating that they are pleased to inform me that a claim that I made against XXXX was approved and a debit of {$360.00} was made to my checking account. However, they took {$360.00} from my account instead. I was on the phone on a recorded line for XXXX minutes today ( XX/XX/2022 ), they transferred my call XXXX or XXXX times and no one can tell me why they took that amount from my account and they need to put the money back in my checking account ASAP. My claim number for that transaction is XXXX. 

Having said that, it makes absolutely no sense as to why they approved that particular claim from XXXX that is more than 60 days old when they denied my other XXXX  claims totaling an amount of {$13000.00}. Their reasoning for denying my claims is that the disputed transactions were more than 60 days ago, but this fraudulent transaction occurred on XX/XX/2022 which was way more than 60 days ago.
Product: Debt collection

I started with disputing with credit bureau because dates were wrong and account was over seven ( 7 ) years old I Lost all disputes reason given ( it met F.C.R.A. requirements ). I was shocked the only way they could say that was if paperwork dates were falsified or FCRA data does n't require much to pass their standard. I then wrote to original creditor and got no reply. Later some accounts were taken off. it helped but some accounts were duplicates. Then after the ones remaining on report 's dates changed again so I think the company my account was sold to and then they sold to ect..was in control of dates and account numbers both changed or were removed. I Got my past seven ( 7 ) years of my bank statements and there were no payments made on those days in fact no payments were made in those ( 7 ) years
Product: Credit card or prepaid card

Approximately XX/XX/XXXX, I attempted to change my payment method with Bank of America to my new bank account. Unlike EVERY OTHER XXXX who connects to my new bank using PLAID, Bank of America informed me that it must first make deposits in my account which I would later confirm. This occurred on XX/XX/XXXX. ( PLAID takes about XXXX minute per account. ) I confirmed the amounts and verified my new bank account. Every current Bank of America currently says to login and click XXXX XXXX on their first page to change my auto pay. Of coursethere is literally nothing on ANY account page that says XXXX XXXX. Instead, I went into Payments, saw my scheduled payment for XXXX, clicked Edit Payment andit would only let me use the OLD bank account. No problem, I will set it up again. I returned to the Payment screen, clicked CANCEL PAYMENT several times and realized it was only canceling payment on a month-to-month basis. No problem, I went to Manage Payment Methods, DELETED the old account, checked that this deleted all scheduled payments, and tried to set up a new paymentbut where? 

Eventually, I found that there was a VERY SMALL link that says XXXX. I set this up for my next due date and minimum payment. I received a confirmation that I read as my autopsy being confirmed and my next due date. Perfect. 

XXXX never showed up in my scheduled payments. So I called and after XXXX minutes I was told they payments set up on XX/XX/XXXX would not be in effect until XX/XX/XXXX over XXXX weeks later. I was also told that it would NOT show up in scheduled payments until XX/XX/XXXX, XXXX days AFTER I expected a payment to post to my account. 

I then tried to set up bill pay with my new bank, XXXX XXXX, only BoA doesnt accept electronic payments through XXXX XXXX 

I then logged into my BoA account again, canceled and then reapplied XXXX and realized that it says ( in very small print, above the important details of DUE DATE ( which was indeed the due date on which I expected my payments to occur. ) The reasonable person probably not even have read this far. They would have seen that autopay was set up and never noticed a discrepancy until their next bill IF THEN ( since they already had it on autopay. ) This is clearly a petty scheme to exhaust/defraud BoA credit card customers who want to make timely payments but who are frustrated at every step by arbitrary barriers, insane limitations, and the excuse that you didnt read the fine print for requirements NO ONE ELSE has. This is predatory banking.
Product: Debt collection

National credit adjusters contacted me re a unpaid collection account with the XXXX XXXX XXXX XXXXXXXX of {$430.00}. After speaking to a representative he told me I could pay {$320.00} and it will be reflected as paid in full. I also received a letter confirming this. When I went to check my credit reports they all claimed I still owed {$100.00}.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXXXXXX XXXX XXXX XXXX XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting this fraudulent account in my report and TRANSUNION 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, this collection was eliminated and not verified by others bureaus I don't understand how they usually say that this account is 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 this account. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a XXXX XXXX XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted company information from Experian, XXXX XXXX. 

Please delete the following accounts : 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 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 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 or other personal consumer reports

A verification dispute was sent out to Equifax on XX/XX/year> about verifying the accuracy of negative accounts on my credit report. It has been over two months and I still have not received a response from Equifax regarding my dispute letter.

According to the FCRA, the credit bureaus must investigate and respond to disputes in a specific timeframe. Equifax has failed to comply with the rule of the FCRA. With this complaint, I will be including a copy of my dispute letter that I sent out to Equifax and a copy of my ID.