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

I originally opened an Ollo XXXX ending XXXX in XXXX which had a {$1000.00} initial credit line. In XXXX I learned Ally bought Ollo and to prepare for the acquisition, they began updating the card numbers, which caused the original account to change to XXXX XXXX. My card stayed under Ollo XXXX until XX/XX/XXXX at which time Ally replaced the card with their own, however the account number ending XXXX remained and has remained the same. Ollo stopped being reflected on my statements in XX/XX/XXXX, in XX/XX/XXXX Ally branding took over. However, in XX/XX/XXXX, I decided to open A NEW CARD directly with Ally to help build the relationship. I was approved and issued Ally XXXX ending XXXX which started and has remained with {$800.00} limit. That card is reporting and has reported since its opening. My issue is that my credit report HAS NO RECORD of the Ollo/Ally XXXX account whether you start from XXXX OR after the merger in XXXX. Thats 2 whole years of credit activity that is missing COMPLETELY. I just pulled my CR on XXXX and there isnt even a closed account under these details from Ollo or Ally. I am trying to repair my credit and this has actually lowered it significantly. I demand that Ally immediately update their records with ALL 3 Bureaus with the correct and accurate info for Ally XXXX XXXX starting from XXXX and going thru current date and onward. I have tried getting them to do this directly but they made me send a request and my CR but can not tell me when or how they are going to fix it. I called them on XXXX and XXXX and XXXX but they are unable to provide any information other than and I quote - WE REPORT TO ALL BUREAUS AND YOUR INFORMATION IS REPORTED AFTER EACH STATEMENT IS RELEASED, WITH THE NEXT ONE DUE XXXX. That can not be correct because I have 2 years of statements online I can pull and NOT one has shown up on my CR at any time. I have also hired a credit repair company that has sent validation to the bureaus and Ally has failed to update ANY information as legally required under FCRA.
Product: Credit reporting or other personal consumer reports

Formal Complaint Against Equifax XXXX Experian Failure to Remove Inaccurate Information Date : XXXX XXXX XXXX Complaint Against : Equifax Experian Issue Summary : I am filing a formal complaint against Equifax and Experian for their failure to address my disputes regarding inaccurate information on my credit report, despite multiple attempts to resolve these matters.

Disputed Items : 1.Unauthorized Hard Inquiries I have requested the removal of two unauthorized or erroneous hard inquiries that negatively impact my credit score.

2.Delinquency There is a delinquency on my report that is inaccurate and does not belong to me.

3.Personal Identifiers My credit report contains incorrect personal information that I have requested to be corrected or removed. 

Attempts to Resolve : I have sent three separate dispute letters to Equifax and Experian via certified mail, providing supporting documentation. Despite their legal obligation under the Fair Credit Reporting Act ( FCRA ) to investigate and correct inaccuracies within 30 days, they have failed to act.
Product: Debt collection

Received a text from someone named XXXX XX/XX/XXXX said I owed {$770.00} amount. As I had already disputed amount/was removed previously I asked for email to send them this information - I come to find they had already posted this on my credit report XX/XX/XXXX and to date Ive not received any sort of Debt Validation letter now over 90+ days of reporting this invalid debt.
Product: Debt collection

XXXX XXXX have been collecting {$180.00} for the last 2 years from my checking account to pay for sears master card. I never signed anything or talked to anyone either from sears or from XXXX XXXX incorporation in regards to this credit card, I did talk to them in regards to another card but in XXXX, XXXX XXXX stopped withdrawing {$180.00} from my account and I have attempted to call them several times because it was reported to all 3 credit card company that I have not payed Sears for 3 months, I called sears 3 times and all they tell me is that they dont have my account and I have to keep calling XXXX XXXX because they bought out my account, I really need help asap please as Im trying to pay and nobody can help me, thank you
Product: Checking or savings account

I deposited my EDD California state unemployment check in my Chase checking account. It was then brought to my attention it will be placed on hold for 12 calendar days from my deposit date. My account balance have never been overdrawn and I have never bounced a check. There is absolutely no reason to hold my check for 12 calendar days. This is money I am legally entitled to during a severe pandemic. I need access to my funds that belong to me. If I had known Chase would place an unusually and unnecessarily long hold on my legitimate state check, I would have taken my business elsewhere. 

It gets worse. I was instructed by a customer service agent to call the check hold department ; option 1 to request the hold be removed sooner. I called the telephone number ( XXXX ) XXXX and was on hold for 3 hours and 20 minutes, and still never got to an agent. This is unfair business practices. If this matter is not resolved promptly, I plan on filing a formal complaint with the FTC, FDIC, my state attorney general and office of the Comptroller of currency.
Product: Credit reporting or other personal consumer reports

XXXX Account XXXX : XXXX I recently reviewed my credit report and noticed that this account is inaccurately reporting a late payment. However, I made all payments on time, making this late payment notation incorrect. Under the Fair Credit Reporting Act ( FCRA ) 623 ( 15 U.S.C. 1681s-2 ), furnishers of information must ensure the accuracy and completeness of the data they report to consumer reporting agencies. Reporting information with actual knowledge of errors is a violation of this law.

The credit reporting agencies are responsible for maintaining accurate and up-to-date records. This account has never been late, and I have attached a copy of my credit report highlighting this error for reference. The incorrect late payment is reported as follows : * TransUnion and Experian incorrectly report a 30-day late payment for XX/XX/year>. 
* Equifax inaccurately reports a 30-day late payment for XX/XX/year>. 

I request documentation to verify compliance with 15 U.S. Code 1666b, which mandates that periodic statements must be delivered at least 21 days before the payment due date, including the periodic statement and corresponding tracking number to confirm timely delivery. I have attached proof of the inaccuracies and highlighted them in red for your convenience.
Product: Vehicle loan or lease

Credit file is still reporting on XXXX and XXXX as late and past due. This Credit gile from Credit Acceptance paid and shows accurately on XXXX XXXX. I have payoff letter and release of lien from Credit Acceptance. Please help get this removed and updated accurately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Every time I apply for something I get turned down credit ok to much false stuff on my credit
Product: Credit reporting, credit repair services, or other personal consumer reports

I did report to this following companies TransUnion and XXXX my concerns as a individual protected by the consumers laws about having my name XXXX, addresses and some fraudulent hard inquiries posted on my credit repor.
Product: Credit reporting or other personal consumer reports

Attached on the documents are 3 separate information with inaccuracies on the XXXX account, account number XXXX. Transunion was reported originally, never updated but yet when I go into Transunion, its different information being shown, including the late payment months are totally different in XX/XX/XXXX and XX/XX/XXXX. Its illegal to have different information being reported and not being 100 % accurate. I strive to have accuracies on my credit report with on time payments. Please remove this account from my credit report if there is no evidence to prove the information reported is correct for all credit agencies.
Product: Checking or savings account

I deposited {$7000.00} cash at an ATM BOA XXXX XXXX, XXXX, NJ XXXX on Tuesday XX/XX/2022, ATM ID XXXX at around XXXX XXXX. ATM took the entire amount of {$7000.00}, returned {$1600.00}. ATM froze with no confirmation of transaction of the remaining {$5400.00} left in ATM, no receipt provided. I checked my balance using the same ATM machine so no money deposited that day. I called the number provided on ATM machine, followed their steps and filed a claim. Also I discussed with local branch staff the situation and was told third-party company is managing an ATM and that I should call the number on the ATM to file a claim. 

I was deposited an amount of {$4300.00} on XX/XX/2022 as a temporary credit adjustment which differs from the amount claimed of {$5400.00}. I called customer service today in the morning and was told to call on Tuesday as their claim department is off today I am extremely frustrated with an experience I have had so far. I was put in situation where ATM machine/BOA took my money with providing with no confirmation or details of the transaction. I had to sepnt 2 hours next to ATM while on the phone with BOA. I am a physician in training, 3rd year internal medicine resident and wondering at this point who will reimburse me for the time wasted? I am a father to XXXX weeks old twins boys and now I had to spent hours at the bank and subsequently on the phone trying to prove that I did what I did, even though the money was taken/stolen from me by ATM/BOA. Who will reimburse my time not spent with my kids? It seems at this point whatever the decision is made by the " research claim '' will play a key role and I am left with no means to protect myself and to get my money back. 

As one of the biggest financial institution in the US, I expect appropriate teams to come up with more advance and reasonable way to protect their customers and themselves from similar issues. Why do I have to rely on your research on what the amount of money was deposited? How can I rely on your input after the mistake was made? Why do I have to care whether it is a third-party company managing ATMs and not BOA directly ? What are the mechanisms to provide customers on information regarding ATM malfunction with specific details? 

What type of evidence can BOA provide to proof that amount deposited was the amount taken by ATM? 

I appreciate CFPB assistance in this matter as I feel completely powerless in this process
Product: Credit card or prepaid card

I purchased 2 Vanilla Gift Cars Visas. I put {$100.00} dollars on each card. Total cost I paid was XXXX I purchase beed cards quite XXXX have never had any problems. I purchase these from a different XXXX. I got home opened the cards up and the first card had the third set of numbers partially missing I couldnt make them out. The second card had the last 4 numbers missing completely. I called this in on the XXXX of XXXX and was told to send Al of the documents and receipts in. I sent in everything they requested. I was told by the first person I spoke with to give them XXXX business days, after the 3 business days I didnt hear from them so I resent the documents. I spoke to someone else and they told me it would be 4 business days again and I should check my email and make sure to check my spam. The next time I called the lady told me they didnt send emails. I spoke to someone on Wednesday who claimed to be a Supervisor and asked for some reliable information, he told me he saw Al of my information and someone should have emailed or phoned me with updates, he promised someone would and they were working on my claim. I didnt receive a email or phone call. I have been nice and respectful with these individuals since XX/XX/XXXX and still no direct answers, it feels like Im getting the run around and I feel Ike this is a scam. They cancel the cards I gave them Al of my information and nothing.

I am worried because I purchase these cards today my bill online every month and I feel helpless and nervous about the consequences this is going to have on my credit score. Please help me
Product: Credit reporting or other personal consumer reports

I am refiling and resending this complaint again to EQUIFAX because it seems that they are NOT doing their job and they are so irresponsible with the documents that I sent out to them, when I called them for so many times with the confirmation number XXXX  they said that they received my FTC report, cover letter and IDs for the dispute that I have requested to them and they will be disputing the unauthorized inquiries that are in my credit report, but when i generated my credit report I still see these unauthorized inquiries in my credit report. 
Please I need your help on this matter to address this concern to the bureau. I have attached the copy of the FTC report I filed with the report number XXXX since according to EQUIFAX I need to resend this.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports and need to delete immediately. 
XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX  # XXXX XX/XX/2021
Product: Credit card or prepaid card

CFPB & Citi, I'm writing to request my security deposit back from my CitiBank Secured Card account. 

I've disputed this account several times, due to someone stealing my wallet and using my card to do fraudulent charges on the account and Citi siding with the merchant and not me ( consumer ). 

I've attached the statement in question, and the purchases that I did not make at all regardless of what 'XXXX  ' says.
Product: Credit reporting or other personal consumer reports

Dear XXXX XXXX XXXX  Cfpb ; ; Dear Credit Bureau Manager ; I am writing to formally dispute the late payment reporting on my XXXX XXXX XXXX account ( Account # : XXXX ) on my credit report. Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681, credit reporting agencies are required to report only accurate and verifiable information. However, upon review of my credit file, I have identified multiple discrepancies and reporting inconsistencies that require immediate correction.

Basis for My Dispute 1. Failure to Maintain Accuracy ( FCRA 1681e ( b ) ) : My account is currently in good standing and " paid or paying as agreed '', yet previous late payments ( 30, 60, and 90 days past due ) remain on my credit history.

The account status and payment history contradict each other. If my account is reported as " current '' and " pays as agreed, '' the derogatory payment history must be removed.

2. Inconsistent Reporting Among Credit Bureaus : XXXX states the account is " paid or paying as agreed, '' yet Experian and XXXX list past delinquencies. This inconsistency suggests inaccurate reporting in violation of FCRA 1681i ( a ), which requires reinvestigation of disputed information.

3. Failure to Properly Investigate ( FCRA 1681i ) :
Product: Credit reporting or other personal consumer reports

I recently checked my credit report and noticed that these accounts were reporting inaccurately, as they've been charged off. These remarks have been detrimental to my credit XXXX and my XXXX.
Product: Debt collection

I filed bankruptcy on this account years ago.. They keep trying to collect XXXX after being notified in writing and over phone that it was discharged ... I have tried to reason with co. But no luck.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, after pulling my credit report I found out several accounts that did not belong to me, about a month later, I started disputing the incorrect info and after a few months I was able to get them remove. Unfortunately, the little issue that I currently have is that, there is a late payment showing on my credit card account that is not right, I was never late on that account. The late payment was allegedly made on XXXX XXXX so I am submitting a complaint thru this site, expecting to get this issue solved.
Product: Credit reporting or other personal consumer reports

This CFPB has been filed to request pursuant to FCRA & 605B ( 15 U.S.C. & 1681 c-2 ) that you, the Transunion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit 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 accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent report. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the fraud. I have attached a copy of the FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

On XX/XX/XXXX, I spoke to an Equifax agent in regards to several numerous repeated inquiries that I have not made. I even sent in a dispute online on XXXX XXXX,2017 that is still pending and has not been completed in 2 months. I advised the rep that I have in fact called the creditors and sent out letters 2ith no response. I even advised that one of the creditors on my report sent me a letter and it was addressed to someone else. After being on the phone with her for what I felt was over 30 minutes going through my credit report she stated she had submitted it but the next day I received an email with the same information I had sent to the creditors. I even spoke to one creditor who stated my report has only been pulled once, but showing up numerous times on my credit report.Then now I may have been apart of the data breach and have been hung up the face several times when trying to reach someone to speak to.
Product: Credit card or prepaid card

Discover Bank, Was notified several months ago that I was a victim of identity theft. Discover allowed a Fraudulent Application to be processed in 2015 from a thief online to open a Credit card. After they allowed this thief to open the account, they allowed the thief to continue using the card and to make payments to the account as well. I notified DiscoveXXXX immediately as soon as I saw this on my credit report that the account was fraudulent, I did not apply for this product and that I have notified the credit bureaus. Thus why I have Extended Fraud alerts on my credit bureau reports, For 7 years. I have security freezes as well now. When I advised Discover that the application was fraudulent. Discover closed the account, and re opened a new card. Where they sent the new card I have no idea because I never obtained it, Again I called discover to let me know that I did not receive a card and that the APPLICATION was fraudulent the whole account is fraud not transactional fraud.Instead of Investigating my report again and Identity Theft Affidavit which I sent them from Law Enforcement and From the FTC, Discover decided to advise me that I would be at fault for an account again I never obtained and that they sent it to a fraudulent address. Everytime this has been reported to discover they continue to close the account and reopen it with new numbers to re add it back to the credit bureaus. Instead of following FCRA Laws 603 ( b ) as I am consumer and a victim of identity theft. A thief obtained and applied for this product that I did not authorize. I recently called discover again to ask about this after my last complaint and I am told now that they have verified with " Law Enforcement '' That I am liable for the fraudulent account. When I asked what Law Enforcement Agency they spoke with and the Officers Name / Badge Number they would not provide this information to me, because again their Customer Protection Department is a sham and they do not investigate real actual Identity theft. So again they are lying. They Recently opened the account AGAIN with another number and put it on my XXXX report. I will continue to have this account blocked, no matter how many times you change the account number because the account is FRAUDULENT. NOT AUTHORIZED. Opened from a Thief that you sent a card to a fraudulent address that didn't even verify to me. Again Discover is very shady in how they handle Identity theft, and they refuse to remove my liability from a fraudulent account I have never obtained, nor even knew who opened it. WITH STOLEN ID.