23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

On XX/XX/XXXX, I logged into my savings account with the mobile bank XXXX. I currently have {$1100.00} in the account. The app told me that my account was restricted for a fraud investigation. I was given no other information, than to text the company during business hours. When I messaged the company again, a representative reached out and essentially said that the account will be frozen until they finish their investigation. After I searched online to see if this was a common problem, it seems the bank regularly freezes funds without proper reason, or way to unfreeze. I was unable to pay rent this month, and had to take money from other accounts to pay because I had no access to my money. XXXX will not allow me to screenshot their communications in the app.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to submit a formal complaint against TransUnion regarding inaccurate information on my credit report. On XX/XX/XXXX, I contacted TransUnion to dispute certain information that I believe to be erroneous. As of the current date, I have not received any response or resolution from TransUnion. The following are the details of the disputed accounts and the required corrections : Account Name : XX/XX/XXXXXXXX Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$700.00} The account with XX/XX/XXXXwas never late, and I request TransUnion to correct/update this inaccurate information on my credit report. 


Account Name :XX/XX/XXXXXXXX Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$980.00} The account withXX/XX/XXXXwas never late, and I request TransUnion to correct/update this inaccurate information on my credit report. 


Account Name : XXXXXX/XX/XXXX Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$28000.00} The account with XXXX XXXX is not mine, and I request TransUnion to remove it from my credit report immediately. 


Account Name : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2100.00} The account XXXX XXXX needs to be examined due to incorrect reporting. The balance reported is higher than what I remember, and this account was presented as closed. Therefore, the Past Due amount is not supposed to be provided for this account. I intend to address this issue directly with the creditor, and I request TransUnion to report the account as disputed until a resolution is reached.
Product: Credit reporting

# XXXX XXXX XXXX XXXX. - dispute claim and asked for a signature to prove it was mine -nothing # XXXX XXXX Bank Credit card - called & said card was used in XXXX XXXX I was never in XXXX at that time and cards had been destroyed 2 years Prior?
Product: Credit reporting or other personal consumer reports

My loans were closed out and my account balance was XXXX. I literally took screenshots of it and never heard of XXXX until I saw them on my credit report. This company 's website is so fraudulent with the terms and conditions that violate my rights. They need to be investigated and shut down. There is no reason that before my loans were forgiven that I was paying {$10.00} based on my income to them having in the system I'm supposed to give them {$260.00} per month. It's only fraudulent but researching the company I am not the first person this has happened to.
Product: Credit card

I am seeking assistance with a payment issue involving Bank of America. On XX/XX/2024, I made a payment of {$200.00} through their mobile app, which was successfully debited from my XXXX XXXX account on XX/XX/2024. 

In XX/XX/2024, Bank of America charged my account again, claiming the payment had been returned due to a " truncated check. '' However : XXXX. XXXX XXXX confirmed that the payment was completed successfully and that the funds were not returned or reversed. 
XXXX. I did not use physical checks ; this was an electronic transaction.

3. Bank of America failed to notify me of any issue until four months after the payment.

Despite multiple attempts to resolve the matter with Bank of America, their representatives insist the payment was not received, while XXXX XXXX has conducted two investigations confirming otherwise and provided a trace number proving the funds were sent.

This matter has been ongoing for more than three months, despite my being a customer for 16 years. If unresolved, I will escalate this case to the appropriate authorities.
Product: Credit reporting or other personal consumer reports

Inaccurate information has been disputed and not removed from my consumer report.
Product: Vehicle loan or lease

Santander Consumer USA loaned me {$16000.00} in 2016 with a variable interest rate. Also my monthly payment is applied ( 95 % to interest, 5 % to principal ).
Product: Debt collection

Acima Leasing, on or about XX/XX/year>. I purchased a bedframe and it was never delivered. I had been trying to access their app using the required information. It stated I had no leases available. On XX/XX/year> I received email that I was past due. I called on XX/XX/year> at XXXX and spoke with XXXX XXXX XXXX and XXXX XXXX inform them I never received product. All three asked me to verify using last XXXX digits of Social security #, which I provided, they said it was incorrect but yet they verified my debit card last XXXX digits, phone number and address, then told me they couldn't send me a copy of the lease for what I do have because they have a different SS #, which I do not understand. I am getting no answers and they are still stating they will charge my debit card for product not received. XXXX discussed my account and was suppose to transfer me to the resolution department but we got cut off. XXXX and XXXX were no help. I asked XXXX how can I be charged for something I don't have and not receive a lease for something I do have. After I informed him I was filing a complaint with your department, he got quiet. I tried calling back to speak with someone else and they refused to discuss anything.There is some fraud going on with this company.. They told me to call my bank and request for the transactions that come from them be stopped but they could not delete my card. They told me I had to send verification of social security number in order for me to get a copy of the lease or for them to have any communication with me. I told them that's illegal to do. I don't understand how XXXX was able to verify the correct information required but they can't. I was told maybe one of them entered the incorrect last four digits.
Product: Credit card or prepaid card

Re : Account number XXXX I have a Credit Card opened in a good standing with Bank of America XXXX the Minimum payment is {$35.00} per month. I am never late and always pay XXXX, XXXX, or more times above the minimum payment of {$35.00}. 
Bank of America NEVER reported to the XXXX Credit Bureau the exact payment I make. Thus, Bank of America is mandated to report monthly " Amount Paid '' as it was paid. 
Such negligence is having a negative effect on my Credit score, as my credit score should go up. Due to the lack of proper reporting by Bank of America, my Credit score is never raises.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried on 4 seperate occassions to have Equifax Information Services update my personal information with correct information so that my credit report reports accurately. On XX/XX/XXXX, I mailed to XXXX XXXX XXXX a letter requesting a correction to my name and address. With this letter I included a clear, color copy of both my driver 's license, social security card, and the Personal Information page from the credit report PROVIDED by Equifax. On XX/XX/XXXX i faxed to XXXX a very clear copy of both my driver 's license and social security card to ensure that they had proper documentation to update my credit report. On XX/XX/XXXX I receive a letter from Equifax stating that they could not update my information as they were unable to locate my credit file in their database. It asked that I submit one item from their " Identification '' category ( pay stub, w2 or valid social security card ) and one item from their " Current Address ) category ( driver  's license, rental/lease agreement, pay stub with address, utility bill ). As you can see, I submitted one item from each category via mail and fax. I have a copy of my fax transmission report indicating that the fax with the requested documents was received on XX/XX/XXXX. On XX/XX/XXXX I received 2 more letters ( one addressed to my correct name and one addressed to an incorrect name I was asking to have removed from my report ), again, asking me to submit one item from each category. I am infuriated with Equifax 's stalling of updating my personal information. This is a clear attempt to keep outdated and inaccurate information on my credit report to the benifit of creditors and bill collectors. This is unacceptable and they should be penalized for such actions. I have included documentation of my most recent letters sent, the identification and address items, and the multiple letters sent my Equifax to this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

VICTIM OF IDENTITY THEFT. I RECENTLY PULLED MY XXXX, XXXX  AND XXXX  CREDIT REPORT AND NOTICED ACCOUNTS AND INQUIRIES THAT I DID NOT INITIATE. I CONTACTED THE COMPANIES AND THEY TOLD ME THE ACCOUNTS WERE LISTED UNDER MY NAME AND SOCIAL SECURITY NUMBER. I DO NOT HAVE ANY RELATION WITH THESE COMPANIES AND BELIEVE THESE ACCOUNTS ARE A RESULT OF IDENTITY THEFT. I HAVE CONTACTED XXXX, XXXX AND XXXX AND EXPLAINED TO THEM THESE ACCOUNTS ARE FRAUDULENT AND NEED TO BE REMOVED BUT THEY REPEATEDLY VIOLATE THE FCRA BY DOING NOTHING
Product: Credit reporting or other personal consumer reports

I am writing to dispute the following information in my credit report. I have noted that there is a charge-off listed on my account which I believe is inaccurate. 

Under the Fair Credit Reporting Act ( FCRA ), I am requesting an investigation of this information and the removal of any inaccuracies found during the investigation. 

Please provide me with documentation verifying the accuracy of the information in question. If you can not verify it, please remove it from my credit report. 

Thank you for your prompt attention to this matter. Please confirm receipt of this letter and keep me informed of the status of your investigation. 

These accounts have been closed, charged off, and written off on my credit report in XXXX  therefore a 1099c should have been filed, and balance should be updated. I have not received a 1099c for these accounts. This is a violation of the Consumer Protection Act, so could you please reach out to these companies to file their 1099cs and update accounts immediately, thanks.
Product: Credit card or prepaid card

I was alerted by the fraud department that my Direct Express debit card issued by  XXXX  for  XXXX  payments had been charged excessively in a short period of time. I asked them to cancel the card and I filed an official dispute complaint with them. This was  XXXX   XXXX ,   XXXX  . The charges were made from a foreign country and I was told the investigation would take up to 90 days. I have called periodically and furnished them with detailed transaction information. I learned the fraud company had used  XXXX  to access my funds which were taken from the Direct Express master card. So I also filed a complaint with  XXXX  per Direct Express instructions. I was refunded partially by  XXXX , they explained that they could not recover all the funds as the money was not in the fraudsters account. So I went back to Direct Express. They told me that they had stopped investigation since  XXXX  had issued partial refunds. This is unacceptable. I had over {$2500.00} taken, all in small amounts of  XXXX ,  XXXX ,  XXXX ,  XXXX  etc. amounts. About 50 transactions. I believe I have been refunded only {$300.00} or {$400.00} thus far. Every time i have called Direct Express I have not been able to get them to release the remainder of my money. I am  XXXX , I need to pay my property taxes which are now overdue. I have no other income source or savings and I can not afford to take this huge loss. I have faxed the information to DIrect Express and  XXXX . I have tried to be patient. I have asked for them to escalate my issue at Direct Express. I have been told I can not directly speak to anyone in the fraud department or a manager. I have to call them. I live in a remote part of the   XXXX   XXXX   and have to be driven into the closest town , 25 miles  away to get a good enough cell signal to talk to them at the number printed on the back of the card. Can you please find a way to help me recover the rest of my funds? I called them  three  times  XXXX   XXXX , and the call kept getting disconnected when they put me on hold. I begged them to call me back if they disconnected me and they said they could not make outgoing calls. I have received no mail or calls from them. All the contact I have made has been me calling them asking for a status update. I ca n't keep waiting and re explaining myself every time. I am taking daily prescribed medications that make me groggy. I do n't have anyone to help me fight this battle. If this was a normal bank I would have been given some kind of provisional credit to use while the investigation was underway. I have a hard time expressing myself and sense of urgency in a way that gets results. Please help.
Product: Credit reporting or other personal consumer reports

This letter constitutes a formal dispute of the following hard inquiries appearing on my credit report 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 These inquiries were obtained without my authorization or without a permissible purpose under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681b.

I request that you immediately remove these inaccurate inquiries from my credit report within seven ( 7 ) days of receiving this letter. Failure to comply within this time frame will result in further legal action.

Please provide written confirmation of the removal of these inquiries within seven ( 7 ) days of receiving this letter.
Product: Credit reporting or other personal consumer reports

I received a copy of my credit report and found the following items to be in error : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will re-check these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C Sec 1681i ( a ), you must complete this reinvestigation within 30 days and provide me a copy of the original creditor 's documentation file to verify this information is mine. Furthermore, FCRA Sec 609 ( a ) ( 1 ) ( A ) and Sec 611 ( a ) ( 1 ) ( A ) state that the original consumer contract must have my signature. If no proof otherwise Section 611 ( 5 ) ( A ) of the FCRA requires you to promptly delete these items. I demand these items be verified immediately. Thank you kindly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to dispute an account reporting on my credit reports. I have made multiple attempts to have this incorrect and incomplete information removed in its entirety from my report by way of the bureaus and the original creditor. No one had responded, no investigation has been conducted, and nothing has been removed! From what i understand from FCRA regulations, by law they are required to respond. I have even tried to update my personal information and still no response. I will include all of the letters I have sent out by mail on the following dates : XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, and XX/XX/2020.
Product: Debt collection

So, I've been checking my credit reports trying to fix my credit and was going alright, but then I see a notification for something new on my credit report and it comes up as FROST ARNETT Last reported XX/XX/XXXX {$780.00} Open balance XXXX XXXX XXXX Original creditor I've had insurance for years and during that time it says which was XXXX of XXXX, I was in a rehabilitation facility and I've had insurance that would cover anything, but now I have this in my credit report. I've never heard of XXXX radiology before. 

Could you please help me. I've tried to dispute this a couple times and still aren't getting anywhere.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the inconsistent information regarding the closure date of a credit card account listed on my credit report. Specifically, the closure date is reported differently on my credit report from XXXX, Equifax, and XXXX. 

I am requesting that you investigate this matter promptly and take the necessary steps to correct the inconsistent information. I have attached copies of documents that support my claim. 

Pursuant to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, I am entitled to a written verification or rebuttal of the disputed information. I also request that you notify all creditors who have received my credit report containing the disputed information.
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. Kikoff Lending LLC, Account # XXXX, has violated my rights. 

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, credit repair services, or other personal consumer reports

I have a loan with CAP ONE AUTO, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ), and CAPITAL ONE. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, CAP ONE AUTO, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ), and CAPITAL ONE with no successful resolution. There was definitely an error on their part.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out on different occasions to address the different companies listed on my credit report that should be reporting positive and not negative because they were filed in a XXXX XXXX bankruptcy. I need this information corrected as quickly as possible. The following companies XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dept. of EdXXXX There is also alot of closed account that are outdated that should have been removed from my credit report. XXXX XXXX XXXX, Dept of EdXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXXXXXX, account XXXX has violated my rights. 15 US 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 absolutely can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

I previously disputed the XXXX XXXX account with XXXX late payments on XX/XX/year>, but I never received a response or acknowledgment from Experian. The failure to properly investigate or update the reporting is a clear violation of the Fair Credit Reporting Act ( FCRA ) and has not been addressed despite my good-faith dispute. 

As stated in the FCRA, whenever a consumer reporting agency prepares a consumer report, they are required to follow reasonable procedures to ensure maximum possible accuracy of the information related to the consumer per 15 USC 1681e ( b ). However, the XXXX XXXX account remains on my report despite being disputed multiple times, showing that those procedures were not followed. This is inexcusable and highlights a systematic failure by Experian, which has recently lost legal cases for similar failures to properly investigate and update inaccurate reports.

Under 15 USC 1681i ( 5 ), when a consumer disputes an item and the credit bureau is unable to verify it as accurate, they must promptly delete or modify the item. This was not done in my case, and Experian failed to notify the furnisher, XXXX XXXX, that the information was disputed, violating my rights under the FCRA. Additionally, Experian has 5 days to provide details of the investigation, yet they have failed to meet this requirement.

Furthermore, 15 USC 1681s-2 clearly states that no person should furnish any consumer information to a reporting agency if they know or have reason to believe it is inaccurate. The continued reporting of this account, even after it was disputed, directly violates this provision and exposes Experian to potential legal consequences.

Lastly, 15 USC 1681b ( a ) ( 1 ) prohibits the furnishing of incorrect consumer information. Despite my dispute and the failure to investigate or update the report, the account remains, showing a blatant disregard for federal law. I am prepared to escalate this matter to litigation if immediate corrective action is not taken, as I have already made numerous attempts to resolve this issue in good faith.
Product: Credit reporting or other personal consumer reports

My account with XXXX was never late! I have had exceptional payment history witH XXXX XXXX  and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in XX/XX/2023, XX/XX/2023 and XX/XX/2023 to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

It has come to my attention that these items are not reporting 100 % accurately to my credit report and there are some inaccuracies within the reporting. According to the FCRA if any items are reporting inaccurately on my credit report they should be removed immediately XXXX XXXX Balance : {$1000.00} XXXX XXXX Balance : {$2900.00} ; XXXX XXXX XXXX Balance : {$2900.00} XXXX XXXX XXXX Balance : {$1000.00} ; XXXX XXXX XXXX XX/XX/2023 XXXX