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

I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, 3 credit bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of the listed accounts which i believe reporting in error. 


XXXX XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX  Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXXXXXX  Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX XXXX XXXX  Account Number : XXXX
Product: Credit reporting or other personal consumer reports

My auto loan payment for XX/XX/2023 was made and funded on XX/XX/2023. XXXX XXXX is reporting me 30 days past due when the payment including late fees were paid 26 days late. 

My auto loan payment for XX/XX/2023 was made and funded on XX/XX/2023. XXXX XXXX is reporting me 30 days past due when the payment including late fees were paid 23 days past due. 

The company bills for late fees but when paid they do not allocate the additional funds to cover for late fees. This is an unfair practice. 

This erroneous information is hurting my credit profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reported inaccurate items on my credit report and have repeatedly requested the information to be investigated and delated and the credit bureaus have ignored my request. Misspelled names, old address and past employees that I no longer work for.
Product: Credit reporting or other personal consumer reports

Able to log in to TransUnion at https : //service.transunion.com/dss/login.page and verify My Profile. 

After a successful login, I am unable to access credit file information and perform actions online, including accessing credit files and scores, managing or placing a credit freeze, managing or creating a fraud alert, submitting a dispute, etc. 

I called to request support with online access to my credit file. I was on the call for XXXX minutes, and I was transferred or engaged with at least XXXX " departments '' without resolution. 

The first TransUnion agent advised me that my online access issue was escalated and a file number was created, but I would need to call back after 5 business days to learn if my online credit file access issues were resolved.

Transferred to 2nd agent to discuss credit file actions, e.g., unfreeze credit for a specific timeframe. However, I was denied when asked to verify my identity since my answers to questions asked during authentication were incorrect. 

This indicates that TransUnion has allowed incorrect identity verification data to be part of my credit file. Furthermore, it indicates TransUnion 's gross mismanagement of my personal credit file or acceptance of fraudulent information in my credit file. 

I requested immediate fraud or identity theft support, but I was told that TransUnion would start the investigation process in at least 2 business days. This is unacceptable since active fraud and identity theft may be in progress now using my TransUnion credit file information.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company reported a inquiry that I did not do thank please remove
Product: Checking or savings account

Hello, I have a lawyer and will be suing USAA for wrong doing of disputes. They tried to say it's my fault but this info is nit true at all. Also XXXX will not allow my husband to transfer his VA money into his acct which us ABSOLUTELY INSANE AND NOT RIGHT! THAT VA THAT WAS DEOOSITED THIS MORNING NEEDS TO BE TRANSFERRED ASAP. WE HAVE 4 CHILDREN AND DO NOT HAVE ACCESS TO THE ACCT. I will be having my lawyer contact usaa as well to get this resolve. USAA HAS ALSO BEEN IN THE NEWS FOR TAKING MONIES FROM ACCT HOLDERS. I will make everyone aware if Usaa and don't recommend them to anyone. It's not fair how they treat there customers
Product: Checking or savings account

On Fri, XX/XX/XXXX, XXXX, I emailed our account rep at XXXX and I also paused our XXXX XXXX XXXX which was set to a limit of {$500.00} - the email I sent and that was acknowledged on Fri, XX/XX/XXXX, XXXX XXXX was expressing my deep concerns and telling out account rep that this was now paused and I never allowed or intended to spend {$1100.00} ++ which was shown as the amount the campaign was being charged, my rep XXXX, yes answered my email but her answer never addressed the issue, nor was any action taken to resolve the issue. Even after several attempts to go through the online queue chat box which I stayed on hold for 12 hours two different time and never got through, the phone number on our statement XXXX never leads to a person but instead states that even during normal working hours they are closed. Even after calling XXXX as a new buyer, I was then directed to a department that stated our " account rep '' who could not be named would reach out, and I never heard back. To date, although my concerns started with this {$1100.00} amount due, XXXX started removing funds from our company bank account at such a rapid pace I had to shut down the entire account. I did then dispute the charges, with 100 % expectation that Bank of America would ensure I was protected, and instead twice now I received letters that state they want us to go through the merchant. This is unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX, OH XXXX This is in regard to the following account numbers : XXXX XXXX XXXX I disputed this account with the company and a letter was sent back from there office that they could not locate the account on file and are asking me for more information. I demand that since they clearly could not locate the account, this account needs to be removed from all credit reporting agencies immediately. I demand this be removed just from their response alone. their time to locate the account and validate it was used and they responded with their findings, with that information I demand removal from my file asap. 

This is direct response from the company " XXXX tracks all accounts utilizing the primary borrowers Social Security number and/or the complete account number. Based on the information provided in the complaints, we were unable to locate the corresponding accounts. ''
Product: Debt collection

They were not impersonating a government official or lawyer. 
They falsified the full name ( first, full-middle, last ) on the caller ID, showing me the name of a person I know. They were calling from an XXXX number ( XXXX ) that does not match the person I know. 
The call came in around XXXXXXXX XXXX XXXXXXXX, on XX/XX/year>. 
A XXXX search of the phone number says it is Wakefield & Associates They are likely calling about old medical debt. 
They are representing themselves under a false name. I assume I'm more likely to answer a phone call from a friend than from a medical debt collection firm. It's an interesting tactic, but it feels slimy, if not illegal.
Product: Credit reporting or other personal consumer reports

I looked at my credit report on XXXX XXXX XXXX and noticed Inquires, addresses and accounts that were revolving on my credit report that were fraudulently. I did try reaching out to the Credit Bureaus but was unsuccessful in getting the accounts deleted so I filed an identity theft complaint. 

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 card

I am writing to formally file a complaint regarding the mishandling of a dispute I initiated with my financial institution, XXXX, and the subsequent actions by Discover, which have caused undue stress, financial loss, and confusion. Below is a detailed account of the events : XXXX. The Initial Dispute : On XX/XX/year>, I noticed two transactions on my Chime accounta {$150.00} transaction and a {$50.00} transactionwhich I initially believed were unauthorized. These payments were made to my Discover credit account. Consequently, I filed a dispute with XXXX, and the dispute claim number is XXXX. 
XXXX. Realization and Attempt to Correct : Shortly after filing the dispute, I realized that I had authorized these transactions as part of my monthly repayments to Discover. I promptly contacted XXXX and requested the closure of the dispute, assuming the matter was resolved. 
3. Returned Payments and Fees : A few days later, I received a notification from Discover that both payments had been returned, along with a {$30.00} return payment fee for the transactions. When I contacted Discover for clarification, I was informed that the payments had been refunded based on the dispute filed with Chime, even though I had already closed the dispute. 
XXXX. Funds Not Reflected in XXXX Account : Despite the notification of returned payments, the refunded amounts never reflected in my XXXX account. I contacted XXXX for clarification and was told that the issue lay with Discover. 
XXXX. Subsequent Dispute with Discover : I initiated a dispute with Discover to investigate the matter further. Discover requested proof, and I provided my XXXX account statement as evidence. After additional investigation, Discover informed me that they required an electronic transmitter document from XXXX to proceed. 
XXXX. XXXX Response : When I contacted XXXX to obtain the requested document, I was told that they do not issue such documentation. I relayed this information to Discover, but they stated that without this document, no further action could be taken, and they closed the case. 

Summary of the Issue : My initial dispute with XXXX was closed, but the payments were still refunded to Discover, leading to return payment fees totaling {$60.00}. 
The refunded amounts ( {$150.00} and {$50.00} ) have not been credited to either my XXXX account or my Discover account. 
Both institutions are deflecting responsibility, leaving me without the funds and with incurred fees. 
Discover requires documentation that XXXX claims it can not provide, leaving the matter unresolved.
Product: Credit reporting or other personal consumer reports

I have overlooked my credit report and it has several accounts that were opened without my knowledge or consent. I am a victim of identity theft and my consumer rights are being violated by the credit reporting agencies. I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. I presume that no proof exists Pursuant to XXXX XXXX XXXX, I owe no debt, These companies are are violating my Right to Privacy Pursuant to15 USC 1681-B2 Company has no permission to report my information Per 15 USC 16814 . 18 USC 894, FCRA Section 611 ( 5 ) ( A ), FCRA 1681i. 
Finding this inaccurate information has caused me stress and difficulty acquiring my life necessities to maintain a comfortable lifestyle for my family.
Product: Credit reporting or other personal consumer reports

The debt original belongs to XXXX, XXXX and XXXX XXXX was was previously removed due to fraud.
Product: Vehicle loan or lease

I purchased a XXXX Nissan   XXXX in XXXX. The lender is Nissan Motor Acceptance Company, LLC. The vehicle was in an hit and run accident on XX/XX/XXXX. The authorized driver of the Nissan  was not covered by auto insurance ( XXXX ). NMAC was notified of the accident was being investigated. Meanwhile the vehicle was picked up by an unknown entity. I have contacted NMAC about the vehicle and its lender insurance on the car to pay off the vehicle. NMAC has since taken the payment history and account information off the website as to imply the vehicle has been sold. I have not received any documentation about the vehicle or payment installment requisition. I have contacted the lender many times and went to the physical office in XXXX, Texas. This issue continues to be unresolved. 

Since the auto insurance company is not accepting responsibility and I do not have possession of the vehicle and the vehicle can not be found. I am relinquishing responsibility of the contract on the vehicle. I respectfully invoke utilization of the " Umbrella policy '' t handle this matter. I thank you for your time and investigation of the matter. 

XXXX XXXX
Product: Checking or savings account

I SENT PAPERWORK TO CITIZENS. DUE TO IDENITIY WAS STOLEN AND THEY STILL CLOSED MY BUSINESS ACCOUNT.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a law suit against Experian, alleging systemic issues such as failure to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

I previously disputed the XXXX XXXX account on my Equifax credit report because the information was inaccurate and unverifiable. I provided proof that XXXX deleted the same account on XX/XX/year>, after determining it could not be verified. Despite this, Equifax continues to report the account as valid but has not provided any documentation to substantiate this claim. 

Under the Fair Credit Reporting Act ( FCRA ), Equifax is required to conduct a reasonable investigation and remove any information that can not be verified. The continued reporting of this account as valid contradicts FCRA standards and creates inconsistency among credit bureaus. 

I am requesting that Equifax immediately delete the XXXX Funding account from my credit report to ensure compliance with FCRA requirements and alignment with XXXX findings.
Product: Money transfer, virtual currency, or money service

Binance disabled withdrawal on my account, and does not respond to support requests. After months of this, I disabled my account in an attempt to reactivate it and restore functionality so I could retrieve my money. Now my account has been banned, and I have been banned from any support channels. 

Binance has {$10000.00} of my money, and provides no means for me to withdraw it. 

Looking online, it is clear that they are doing this to a lot of people, it's not an isolated incident.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company did not complete an investigation for the fraudulent account on my credit report. I have submitted my FTC report along with dispute letters since XX/XX/2021. 

XXXX {$7200.00} ( Experian, XXXX, and XXXX )
Product: Checking or savings account

USAA has not refunded moneys belonging to me. They took a whole XXXX, dollars from me and now will not release XXXX dollars of the next VA check to me. The USAA bank told me to tell the Veterans Affairs to do a recall recall is done still no money. I tried to speak to USAA. They have lied several times. It is now theXX/XX/XXXX, no money has been given to me. They are holding my money hostage. I am homeless due to this bank, my furniture and belongings where lost. 
I had to leave important life long things. I am ill.
Product: Debt collection

I received repeated phone calls from a company called Halsted Financial about a debit they claim I owe to XXXX. I told them I 've never ordered anything from XXXX, and I asked if they feel this is a valid debt, please contact me via mail. If was told the phone calls will continue until the debt is paid. They call all day long, and I block the number and they call from other numbers. One representative had the audacity to tell me to and I quote " LOOK FORWARD TO MORE CALLS COMING MY WAY. '' This is unacceptable even if I owed the debt they are claiming. X/XX/2017 XXXX : XXXX, X/XX/2017 XXXX XXXX, X/XX/2017 XXXX XXXX, XX/XX/2017 XXXX, X/XX/2017 XXXX, XX/XX/2017 XXXX, X/XX/2017 XXXX. The list goes on. If there anything u can do to stop them from harassing me about a debt I 'm telling them I do n't owe, it would be greatly appreciated. XXXX XXXX
Product: Checking or savings account

COPY OF LETTER SENT TO BANK : On XX/XX/XXXX we received the attached unsigned, nameless, 21-word letter from your bank with NO EXPLANATION and even more concerning, no information about where our money went. We have been banking with you for many years. Please note that it was sent to our home in Florida. 

On XX/XX/XXXX we attempted to contact your bank. After getting a run around with security for about 2 hours we gave up. The big problem was we dont have a phone that will receive text messages. They couldnt send us a security code without our hanging up our land line and that in turn invalidated the code given to us. We are senior citizens and were on our old-fashioned land line. Out of frustration we gave up! 

The next day we started on this folly again. This time after about 1 hours we got with a gentlemen named XXXX. But in the mean time we got a royal run around trying to prove who we were, including having to take pictures of our drivers licenses and sending them to the bank. We did this THREE times, and for some reason the bank could not use them. The fact that we had a letter from your bank was not good enough for them! Nor were they willing to call us on the phone number that is attached to the account. Surely that would have proved that we are the owners of the checking account. 

XXXX was able to tell us what happened. Your bank closed the account, and sent the check to XXXX XXXX in Texas! We have not lived there for 9 years! XXXX said they are getting rid of accounts that dont have a physical address! Our reaction was, Is this some kind of joke?! 

Now if you look at the copy of the letter you sent us, you see it went to XXXX XXXX XXXX XXXX, in Florida. Apparently, you do have a physical address on file for us, some place at your bank! 

As of now, XXXX is attempting to fix the problem and he assures us that another check will be issued to our correct address. However, at this point we are not very confidant. Please know that when you send a letter like this with no explanation you create panic in your customers. Our first thoughts were that we were victims of a fraud and that someone stole our money ( in fact, YOU did steal our money using an unauthorized withdrawal ). In addition, when you close an account for no reason, your customers credit scores will be affected. This is a very poor practice and definitely doesnt represent excellent service. So much for your millions of dollars spent on advertisements. You can be assured we will never do business with you again and are telling all of our friends our story. 

COPY OF LETTER FROM BANK : XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, FL XXXX Your account has been closed. 
Dear XXXX XXXX : We're writing to let you know we've closed your account ending in XXXXXXXX.lf you have any questions, please get in touch. 
Thanks, Capital Oneo Products and services are offered by XXXX
Product: Debt collection

Richard Sokoloff Attorney at Law claims to have served me with a judgement that I never received and didn't want to give me any to verify, stated my spouse and I received services and they would not give proof of being served. WHen we contacted the dental place they have no records of what services were provided so no way to verify that this is a legitimate debt. Worse is this was a judgement from XX/XX/2012 and now 6 years later that I have more than the amount they can place a lein from my insurance check, they place one. The lawyers info is XXXX XXXX XXXX - XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX This is second complaint, after speaking to his office, his office is no longer answering phone calls and has not sent any of the faxes he said his office would do so this has been 4 months and no updates, he needs to release my insurance funds or I will take the steps of counter suing for the money he placed a lien on. I have contacted another attorney about this.
Product: Money transfer, virtual currency, or money service

This is about an unauthorized money transfer to an account in XXXX that occurred through Western Union. 
XXXX  # - XXXX Date and time : XX/XX/2022 XXXX ET Amount : {$980.00} Summary : Western Union sent money to an account in XXXX without my authorization and are not forthcoming with any information about the transfer. 

I have a user account with Western Union and have used their services to transfer money to my account or my father 's account in XXXX in the past. I have used my XXXX account in the past to send money through WU. 
On XX/XX/XXXX, WU did a transfer of {$980.00} to an account in XXXX I do not recognize and I had not authorized or initiated this transfer. It's definitely fraudulent and I need my money back. 
When I asked XXXX to give me information about this transfer and who initiated it they told me they would not tell me anything and would have to talk to the law enforcement about it. They would only respond to the police and not me. I spoke to police who said, WU should give me this information on request but they continue to decline. 
Western Union does not have correct security practices to avoid such an unauthorized transfer and they did not even send me a notification via email when someone ( fraudulent ) did initiate this transfer. They are not acting in my best interest and appear to be fraudulent themselves. 

I currently have a transaction dispute launched with my Bank XXXX which should take another 15 business days to resolve.
Product: Credit reporting or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus last XX/XX/2023, to update this suspicious information. I think you have not validated these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Upon leaving my apartment complex, I had left a lengthy voicemail with call back number in XX/XX/2023 regarding any potential owed money and the need to contact me so I could properly pay for anything that came up. I was then contacted on XX/XX/2023, a day after another phone call where I spoke with the property manager and gave payment information to pay any debts owed. I was informed that the debt had already been sent to collections but never received any correspondence to verify or email even pay off my debt prior to reporting to any credit bureau. If I had been properly notified of any charges, I wouldve been able to pay off the debts owed and never had this show up on my report. The first and only time I have ever been contacted by the debt collection agency was XX/XX/2023, very much so well after already being reported to the credit bureau. There was no proper/timely attempt to collect any debts prior to reporting this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Update my personal info, delete the accounts violating the FCRA and delete all the inquiries that I did not authorize