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

I am filing this complaint regarding my XXXX XXXX  account with XXXX XXXX  XXXX. There are multiple issues I need addressed : Inaccurate Credit Reporting : On XX/XX/2024, my XXXX XXXX account was reported with a balance of {$9700.00} and a credit limit of {$8500.00}, showing I am using XXXX  % of my account limit. This is incorrect and has negatively impacted my credit score. I dispute the accuracy of this reporting under the Fair Credit Reporting Act ( FCRA ), which requires that all information furnished to credit reporting agencies be complete and accurate. 

Tampering with Account : My account was recently tampered with, which I reported to XXXX XXXX  XXXX. The bank conducted an investigation, but I was not notified or provided with any consent form for this investigation. Under the Electronic Fund Transfer Act ( EFTA ), I have the right to be notified and consulted during any investigation involving fraudulent transactions or tampering with my account. The bank 's failure to involve me in this process violates this law.

Failure to Address Fraud : Following their internal investigation, XXXX XXXX  XXXX concluded that funds had been tampered with on my account, but they failed to provide a resolution. I am requesting the removal or deletion of these inaccurate and fraudulent charges, as they were made without my consent. Under the Fair Credit Billing Act ( FCBA ), I have the right to dispute unauthorized transactions and have those charges removed if proven fraudulent.

Requested Action : I am requesting that the Consumer Financial Protection Bureau ( CFPB ) intervene to ensure that : The inaccurate information regarding my balance and credit limit is corrected immediately.

Any negative impact on my credit score, including late payments, is removed as per FCRA guidelines. 
All fraudulent transactions are deleted from my account, and I am provided with a resolution that complies with both the EFTA and FCBA.

I look forward to a prompt resolution of this matter and appreciate your attention to the seriousness of the issue.

By citing the Fair Credit Reporting Act ( FCRA ), Electronic Fund Transfer Act ( EFTA ), and Fair Credit Billing Act ( FCBA ), you strengthen your case with legal backing for the removal of the inaccuracies and fraudulent charges. Make sure to include any supporting documentation if requested.
Product: Credit reporting or other personal consumer reports

After receiving a copy of my TransUnion consumer report I noticed there was a total of ( 4 ) unknown and unwarranted and non permissionalble inquiries,4 inquiries that I didn't recognize nor have a open account with. After speaking to a representative from TransUnion they advised me that it was their policy to place these hard inquiries on a consumer report so I advised them that their policy doesn't supersed federal law from the FCRA & FDCPA. My federal protected rights as a consumer was being violated by having the derogatory information on my consumer report. And that this information wasn't court ordered nor was there verbal or written permission given. The above mentioned inquiries has hindered my ability to acquire lines of credit and better interest rates.
Product: Credit reporting, credit repair services, or other personal consumer reports

Submitted a dispute to Transunion on XX/XX/2023 to dispute a student loan listed on my credit report. The investigation results were verified, however, this account is not mine. Also added some historical trend data with many late payments. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, a Transunion employee , recommended I submit a claim with the FTC and provide this information to them.
Product: Checking or savings account

I put my payroll roll check in Arvest atm XXXX XXXX XXXX XXXX XXXX XXXX. Their policy states it will be available the NEXT business day, which would be today. Now Im being told I cant access my funds until Tuesday. This will cause a financial hardship on me, and it will be very hard to catch up on. If they were clear on their rules & regulations I would be in the clear right now. Please help, I really need it.
Product: Debt collection

Everything started in XX/XX/2017, when I got a letter from Ideal Collections Services, who have been avoiding me ever since. I kept requesting a letter despite having documentation proving this debt is not owed. I raised a dispute with the organization before contacting the credit bureaus. which it was still not taken out. When I spoke to the manager, XXXX, she was quite rude to me and I told her that I had spoken to the original owners and that the bill had been paid, but that it had still appeared on my credit report and that of my roommate. Finally, we reached an understanding, and she suggested that I register for " Our Florida. '' a business that pays back rent ( for rent I do not owe ) I consented to this so that I could cross it off my report. I applied, waited more than three months, and was then informed that tenants whose rent is in collections are not reimbursed or credited the debt. I was deceived and told lies. It has been a complete nightmare going through this process. I have a right to accuracy and honesty under the CFPB and FCRA. This procedure was rife with fabrications. Please look into this business because I'm not the only one going through this.
Product: Debt collection

Between XXXX of XXXX and the end of XXXX I lived at XXXX XXXX XXXX XXXX XXXX on a lease with their community leasing center where I handed off the apartment in the same ( good ) condition I received it since the leasing center offered me to continue someone else 's lease who was leaving the country and indicated I did not need to provide a security deposit since the leaser before me had already given XXXX. During this two and a half years rent was paid on time every single month. 
At the time of leaving ( ending the lease ) I handed them the apartment in the same good conditions which was received by the leasing administration without a problem with both parties consensus. I never received phone or written communication from them or any representative to indicate something was pending, not even when I left the apartment and they indicated everything was fine and that they were comfortable with the condition of the apartment. Nothing pending was claimed at the time of giving the administration the keys of the apartment. 
A few days ago I noticed in my credit report that I owe {$1000.00} XXXX to IDEAL COLLECTION SERVICE and that there was a debt originally from XXXX XXXX AT XXXX so I communicated with them right away to understand what was going on and asked for details about it. After several tries ( calls and emails ) they replied to me indicating I had to deal directly with the collections office. Ideal Collection Services sent me a vague description of what was claimed to be the charges without any proper documentation supporting these false claims. None of these charges were mentioned when the end lease agreement was signed and it is strange how after the apartment was received in good conditions after 6 years I hear about these charges for the first time. 
Given the irregular situation, I request through you, suspend this irregularity on my credit report which affects me and to properly request documentation supporting this claim to the collections office where the debt is currently held with the " check out '' agreement that was signed when the administration received the apartment keys indication clearly that there is a payment or repair pending on my side. Additionally a copy of the attempts to reach me to communicate said pending charges since I have not receive any communication from XXXX or the collection office at all at this moment and were denied to me when asked for it to XXXX and later to the collection office where they provided a vague letter without any details or backup of said pending charges.
Product: Money transfer, virtual currency, or money service

PayPal permanently limited/locked my account on XX/XX/22, even though I had uploaded my driver license for verification. In the notification I received, without any details or explanations, PayPal just claimed it was due to potential risk. However, I only used my account to make some small transfers in my household recently. The service fees were also charged by PayPal for each transaction. After ID submission for verification, I did not see any potential risk on my account. I called the customer service and the representatives said they could not help on resolving this issue. I am sure I did not do any fraud and can provide any document for verification purpose. Since my PayPal account has been used widely in my daily life, this wrong permanent limitation has caused me a lot of inconvenience.
Product: Mortgage

I made phone payment to my mortgage company Freedom Mortgage XX/XX/XXXX. And received notification late yesterday in writing that my payment was never made. Call customer service and yesterday evening confirmed account information from checking that the payment was reversed and to call my bank. Call my bank and confirmed no payment or not reversal was ever made. Call Freedom again today and was told that payment was take but the wrong bank account information was take at time if process ; and pull the phone records and claim I verbally gave the incorrect account number, but confirmed my payment/account information used every month was correct on record and refused to correct the derogatory reflection on my account or the credit report even after bringing account current despite the representative inputting and not confirming account information before processing the initial payment.
Product: Credit reporting or other personal consumer reports

I got a loan with XXXX XXXX  in 2021 which was paid in full never late. At some point someone other than me renewed the loan. The address, signature, employer were not mine, and I do not recognize them. They attempted to get a default judgement in a different jurisdiction with out me being aware. When I found out I got the default judgement set aside. They refilled where I actually live with a bogus contract. The signature does not even resemble mine. Im unsure if it is contract fraud or XXXX XXXX. I provided a notarized FTC XXXX XXXX  affidavit and a police report. I offered to pay stating the debt wasnt mine but Id rather pay them the {$2000.00} and change they claim I owe than pay it to an attorney and potentially have to pay them both. They explained they already had a default judgement and would make more collecting off of that. They served an employer that isnt even mine with wage garnishment paperwork. They should have had my real information from when I actually applied for a loan, but they used whatever the XXXX XXXX provided instead. The default judgement was set aside and they moved to XXXXhe county I actually reside in and they started the process of trying to get a default judgement. Incorrectly, citing trial rules that do not apply. We will go to court XX/XX/2024 to try and resolve this. At this point they are trying to collect on a debt not owed, that they have been notified was fraud. They are negatively reporting. What they are doing is abusive, and from XXXX  reports looks like a common practice. It is their responsibility to validate the debt, and report accurately. So far they have provided XXXX XXXX  on one of their contract forms that dont even come close to resembling my authentic signature.
Product: Credit reporting or other personal consumer reports

for the company to do what is fair and equitable to me as a consumer by removing and deleting items identified as identity theft accounts to be removed : ONLINE INFORMATION SER XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  inquiries to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

LVNV FUNDING WITH ACCOUNT # ( 1 ) XXXX Opened on the XX/XX/2022 with a balance of {$2000.00}. 

Account # ( 2 ) XXXX with a balance of {$2700.00}. 

The two accounts above was opened fraudulent I never had a contract with LVNV FUNDING for any loan I never heard of this company until I checked my credit report just to see the damages that they have left on my credit report. This company had made my life stressful, financially and emotionally. Non disclosure without consent is IDENTITY THEFT, this is a volition of the LAW therefore I'm asking LVNV FUNDING to delete this fraudulent account from my credit report. 
I am asking LVNV FUNDING to provide me a signed copy of a contract that I owned them for any loan, and mail it certified to my address.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data on my credit file that came about because of FRAUD yet I have an Items passed on that should be taken out or blocked. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX  XXXX XXXX CA XXXX ; XXXX XXXX XXXX  XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX  XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX
Product: Checking or savings account

I deposited a corporate check from a huge car dealership XXXX XXXX XXXX XXXX in XXXX Texas. The system placed a hold with the statement, we have received information showing this item may not be paid or funds may not be available. 

Wells Fargo has lost their mind or whatever algorithm or system they are using is not functioning correctly. 

The check is good, the funds are there and they need to get better information screening tech in place and stop holding customer funds. 

Wells Fargo is deliberately targeting customers and holding their funds hostage for them to be able to do whatever they want with our held funds. Whether it be overnight Fed Funds Investing in order to make money off of our money or whatever. 

Check 21 has been around too long for too many years to clear checks in almost realtime processing and they need to get their processing done more promptly and stop holding customers money hostage.
Product: Credit card

Fraudulent purchases were made on my credit card ( Citi ATT Universal Mastercard ) I reported them immediately to Citi and was told I would receive provisional credit for the disputed transactions and they would cancel the old credit card and issue a new card. Two days later transactions began disappearing and reappearing on my account. I was not able to get through to the fraud department or customer support because they were doing a systems upgrade ( received a panicked sounding recorded phone message after waiting on hold ). The next day I looked at my account and saw that the dispute flag was removed from the largest fraudulent charge and the provisional credit was removed from all but one of the disputed transactions. Additionally, two transactions, one fraudulent and one legitimate were duplicated. I called the fraud department again and spent 1 1/2 hours being passed from one poorly trained person to another who could not understand what the problem with the account is. I was told that the fraudulent transactions would take 1-2 billing cycles to investigate which would mean I will have {$2000.00} of fraudulent and duplicate transactions will be removed from my bank account.

After being transferred from one poorly trained representative to another for an hour and a half, my call was disconnected and no attempt was made to call me back. These fraudulent transactions are being dealt with by Citi with no care or concern for the severity of the situation. There is no evidence anyone is even working on these disputes. This is shocking to me given that I have had this card for 34 years and have never experienced anything like this with them. Something has clearly changed with Citi 's credit card team.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid my XXXX truck payment on XXXX XXXX I paid my XX/XX/2023 truck loan payment early on XX/XX/2023, I paid my XXXX payment early on my truck loan with XXXXXXXX XXXX. I paid my XXXX payment on XX/XX/XXXX. 
XXXX is showing my payments as on time and no payments missed or late ever. I have had this loan for 2 years and have never been late or missed a payment. My payments are due the XXXX of the month. 
So, I paid my all my payments on time. 
I noticed a decrease in my credit score. It went down about XXXX points, from about XXXX and disputed it with both XXXX and Equifax. XXXX still shows me at a credit score over XXXX The dispute response states they " assume my balance increased due to a possible missed a payment. '' My balance shows as going up from my prior double payment in XXXX. The balance goes down but they add interest. It just never shows up to the credit reporting agencies because of interest on the loan is buried in the balance due. 
I dispute their determination and have been severely penalized by their faulty rating system. All I did was make a payment one day early and their system decided inaccurately that I missed a payment. Their logic is faulty. My payment history is excellent on all my loans and bills. 
It seems unfair and unethical to drop my score by a very large amount without just cause. 
XXXX points on XX/XX/2023 Balance Increased XXXX XXXX XXXX account balance increased Between XX/XX/2023 and XX/XX/2023, your XXXX XXXX XXXX automotive account balance increased by {$160.00} " It looks like your balance went up. This could be the result of a missed payment, which can have a negative effect on your score. Your total debt also typically factors into your credit score, so it's best to keep it low if you can. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under the 15 USC 1681. 

XXXX XXXX Bankruptcy Case Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish accounts without my written instructions.
Product: Credit card

I buy a phone on best buy store XXXX XXXX XXXX XXXX with case and screen protector and also an adapter i return the phone with all the items but the store only kept the phone and return back to me the other items I just mentioned but they sent it to the wrong address so the items got lost i submit a claim to XXXX about the situation and XXXX said it was delivered to XXXX XXXX XXXX and that not my address i explain all the situation to best buy customer service but they just closed the case I open saying that they sent the item back to me so I have to pay to XXXX bank i sent all the info to XXXX bank about everything the XXXX claim and also all the email the best buy sent me cause best buy lies to XXXX bank saying that I got the items but they answer me with different information I made 4 disputes with best buy and they never find a solution i told them is not my fault that you'll sent the items to the wrong address is can't pay for items I never receive.
Product: Credit reporting, credit repair services, or other personal consumer reports

NOTATION : This is a CHALLENGE and NOT A DISPUTE I am always CHECKING for TOTAL COMPLIANT & CERTIFIED COMPLIANT REPORTING that gives testimonial and irrefutable PROOF of the undeniable TRUTH, correctness, completion, timeliness, ownership of, responsibility of, and compliance and or else wise for any and all items accused, even any and all aspects of allegations. 
Per Federal reporting regulations and the MANDATED COMPLIANT Metro 2 format reporting standards of practice any and all items of adversary or derogatory nature must be certified as entirely true, accurate, complete, timely, of documented ownership, of undoubted responsibility, and documented testimonial certificate of compliance marking undeniable lawful standing of claim ( s ). Per law, any deficient of substantial and evident matters of fact ( s ) would be unethically reported and even illegally reported. My state and the federal laws alike agree that neither willful nor ignorant disregard is acceptable, so I demand here today, even RIGHT NOW, that the allegation in challenge be eradicated in full or else wise demonstrated in it's entirety to be compliant in every aspect of its reporting. To retain much less report otherwise would be a vile misrepresentation and done so in unlawful and injurious infraction of mandated compliance laws. The currently unfounded and even not certified true or correct misinformation of which is misreporting is attached to this complaint and must be deleted immediately, so please do so without delay. 
I have attempted to resolve the issue directly with the respective parties, however found that they were non-compliant as per the FCRA and CDIA requirements
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or XXXX XXXX XXXXXXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report. Please find the ATTACHED documents to assist in the removing of the erroneous information which is being posted to my report Here is the list of items which do not belong to me or were opened without my permission.

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. 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 XXXXXXXX Balance : XXXX XXXX XXXX XXXXXXXX Balance : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : XXXX XXXX XXXXXXXX Balance : XXXX XXXX XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX : {$XXXX}
Product: Student loan

Sense the beginning of 2011 i have bren shifted around frim loan services to new ones and never get answers i never received diplomas also from XXXX XXXX university i was denied semester fund reimbursements when classes were dropped on schools part. I have tried disputing funds sense i am not a nurse because of there. school
Product: Credit reporting or other personal consumer reports

I sent information to change my personal information. Told the credit bureau I want to use my whole name ( on social security card attached ) because I had problems using XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX Only name I want to use is XXXX XXXX XXXX only. I have no alias. That should be blank. 

I can only receive correspondence from one address only. All other addresses I can not receive anything. I showed them proof with bank letters with my name and correct address. This is the third time I will be asking them to correct my consumer report. The only address I receive anything for is to : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX MD XXXX. No other addresses to be placed on it unless I given written consent after I eventually move from here. Please correct name and address. Submitted proof that I requested changes. Hopefully this should take one day to correct and a new credit report be sent to me as I verified myself.
Product: Credit card or prepaid card

Some one opened an account in my name. Very difficult to fix not sure if it fixed. Contacted Bank of America still not sure if they fixed it. They transfer my call. Spent hours on the phone and seems like they messed up and dont want to take responsibility for it