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

This is a written request that you investigate specific items that I believe to be reported in error. I am the person making this complaint & I give CFPB authority to investigate this claim. And I do not consent to an electronic communications. I request all responses be in writing through the USPS. 
This item is not correct and is causing me financial and emotional distress because of their derogative nature. The following items must be updated : XXXX XXXX XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history.
Product: Credit reporting, credit repair services, or other personal consumer reports

I enrolled this account into a credit counseling program XX/XX/2018. I have been on time and paying them the agreed to amount ever since. However, they reported I was late XX/XX/2018, XX/XX/2018 and XX/XX/2018. I was not late and my status needs to be updated.
Product: Bank account or service

I called ALLY BANK on XX/XX/2016 on behalf of my mother who has two cd accounts and a money market checking account there. She XXXX the XX/XX/2016 and the retirement home raised her monthly rent to {$5500.00} from {$3200.00} as her care level increased. My mother went thru the verification process and had Ally talk to me. One of the cds was maturing on XX/XX/2016 and I told them I needed to have {$55000.00} transfered into the money market account so I could have her write a check to herself and deposit it in to her XXXX checking. I waited until XXXX to deposit that check in to XXXX and shortly thereafter I started receiving e-mails from XXXX about negative balance and fraud on her account. All three accounts are in a revocable living trust and my mother is the trustee. After receiving the e-mails from XXXX, I went back to mom 's rest home and called Ally Bank and they said they rolled the entire CD over and did not put the {$55000.00} in to her money market checking. This conversation took place on XX/XX/2016. They assured me that they would take {$55000.00} out of the CD and put it into her checking account there. I was going to deposit the Ally money market check in to her XXXX account and thought I better call them first to make sure the transfer was done. I went to mom 's and went through the verification process again and then was told the transfer was not done and it will not be done until I send them trust documents because my father had passed four years ago. I told them to close the accounts and send the check to the same P.O. box that the statements go to. The women agreed to send the {$260000.00} that was at their bank. She put me on hold and when she came back on the line, she said they were not going to send any money or do any transfers without the new trust documents. I had to loan my mother {$6000.00} so she could make her XX/XX/XXXX rent payment. This bank totally lied to me at all steps and took a toll on me as my mother is XXXX, XXXX. They should have their license yanked and be put out on the street. I think everyone should be aware of this banks shady business practices and warned to stay away.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've contacted TransUnion several times about erroneous information being reported on my credit file. I sent a letter on XX/XX/2018 requesting the method of verification used to verify the erroneous Public Record showing on my credit file and TransUnion failed to respond adequately to the request. 

I'd previously sent documented proof from the Clerk of Court - US District specifically stating that absolutely NO information is shared with credit reporting agencies whatsoever. So TransUnion purchased this data from 3rd party most likely the XXXX XXXX which has no way to validate or verify the accuracy of the information. 

The erroneous public record has caused financial ruin, and devastation as a result of the TransUnion 's refusal to follow Federal Credit Reporting Act ( FCRA ) Public records information is NEVER validated by the Recorder of Deeds nor the U. S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW. See Attached Letter as Evidence of this statement. I personally spoke with the Clerk of Courts office and they are willing to testify in court to these facts as well. 

TransUnion can never provide evidence that it received this information on a Public Record from the Original Source - the US District Court. TransUnion most likely purchases data on bankruptcies from a third party system known as a XXXX XXXX. The XXXX XXXX is inaccurate and incomplete since the XXXX XXXX   does not provide complete social security numbers as that would be against the Fair Credit Reporting Act and Privacy Laws. 

So perhaps for the reasons and laws above this is why TransUnion was unable to address the simple Method of Verification request because there are no lawful means of verifying this information that is in compliance with FCRA. 

Per the Federal Credit Reporting Act, Section 609 ( a ) ( 1 ) ( a ), you are required by federal law to verify through physical verification of the original court documents all accounts and public information that you post on anyones credit report. Otherwise, anyone paying for your reporting services could fax, mail, email in fraudulent and erroneous account information.
Product: Credit reporting or other personal consumer reports

I have been on the phone trying to freeze my credit with Experian for XXXX hours. XXXX. HOURS. Their automated system just keeps me in a loop of trying to verify who I am and when i try any and all methods of getting to a representative so i can get it sorted it says it cant transfer me. There is no way to get to a rep. Unless you are a lego brick that fits in their special little automated system they want nothing to do with you. XXXX? XXXX? took me less than XXXX min each to get freezes added. 

Experian is being negligent in not allowing people to easily reach support staff when the poorly designed phone and web tools fail. I dont anger easily. I know the world is full of phone systems but this was maddening. For something so important as freezing your credit score because of all the breaches and they wont let me talk to someone? its insulting.
Product: Credit reporting, credit repair services, or other personal consumer reports

HELLO, MY IS XXXX XXXX AND I AM MAKING THIS COMPLAINT BECAUSE I HAVE TRIED MULTIPLE TIMES TO DELETE THIS INFORMATION FROM THIS ACCOUNT FROM MY CREDIT INFORMATION, SINCE I WAS NOT THE ONE WHO APPLIED FOR THIS ACCOUNT, MY PERSONAL INFORMATION, FOR EXAMPLE THE ID AND THE SOCIAL SECURITY WERE STOLEN, THEY WERE USED TO OPEN MULTIPLE ACCOUNTS IN A FRAUDULENT WAY, ONE OF THE BANKS AFFECTED WAS THE CARD ( VYSTAR CREDIT UNION ) WHICH CURRENTLY HAS A BALANCE OF {$2200.00} THAT WAS OPENED AS A FRAUD, I DEMAND TO DELETE THAT ACCOUNT FROM MY CREDIT REPORT, I MADE AN IDENTITY REPORT ADDING THIS ACCOUNT TO THE IDENTITY THEFT REPORT SO IT CAN BE REMOVED FROM MY CREDIT REPORT THANKS... 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Billed a lump sum of XXXX interest after ironically getting my balance paid down as well as closing my account without prior notification. Disclosures were not provided and business practice was not open and honest. Lowe 's Credit Card is a very bad business association and I will never do business with this company again. I will be sure to inform any persons considering this company of how misleading and dishonest they are.
Product: Credit reporting, credit repair services, or other personal consumer reports

I MAILED IN LETTERS 2 MONTHS AGO TO THE BUREAUS AND GOT NO ACTION OR RESPONSE TO CORRECT MY DISPUTES ON INQUIRIES I DID NOT AUTHORIZED, LATE PAYMENTS THAT ARE NOT TRUE AND ACCOUNTS THAT SAY CHARGE OFF THAT ARE NOT ACCURATE, AND ACCOUNTS THAT DONT THAT BELONG TO ME. ALSO WRONG NAMES AND ADDRESSES THAT NEED TO BE CORRECTED/DELETED, A LETTER OF EXPLANATION IS ENCLOSED.
Product: Checking or savings account

On XX/XX/XXXX, I went to XXXX XXXX XXXX in XXXX, NJ and used my Coinbase debit card to pay. The amount was {$47.00} + {$10.00} tip = {$57.00}. ( Receipt attached. ) A few days later, while the transaction remained pending, the charge had changed to {$230.00}. I gave it about two weeks to correct because the charge was pending. After two weeks, I reached out to the restaurant and they said that the charge is completed on their end and I would have to reach out to the bank. 

Afterwards, I reached out to Coinbase, and they told me I have to go to the merchant because the transaction is pending and can not be canceled. I had gone back and forth multiple times with no resolution. 

After about a month, the total of the charge updated to {$57.00} - the correct amount. However, my account balance still reflects minus- {$230.00} - and the transaction remains pending. 

I keep on following up with Coinbase, and their response is always, were looking into it and will reach out when we come to a resolution. This issue has been going on for over two months, and at this point they no longer respond to my emails about this issue. 

Attached is a copy of the receipt, a screenshot of the transaction taken from the Coinbase app and another updated screenshot taken today which clearly shows both amounts.
Product: Credit card or prepaid card

American express has made 6-8 calls to my home phone and my wife 's cell phone trying to collect a payment from a relative that does not live at this address. I explained ( on a recorded call from AMEX ) on the second call that this relative does not reside here and requested that they do not contact us again. My request was ignored and the calls are coming in every day now. This is harassment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Capital One by phone and mail in order to remove all negative payments from my account. At the time of the late payments, I was in the process of changing jobs. I say that not to justify why the payments were late, but rather to show that the late payments are not a good indicator of my actual credit worthiness.
Product: Money transfer, virtual currency, or money service

No preliminary warning or verification of recipient when transferring funds via Zelle. Unable to retrieve funds & no resolution provided. No customer service aid
Product: Checking or savings account

Wells fargo opened XXXX way to save accounts without my consent or knowledge. 
XXXX
Product: Debt collection

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of XXXXXXXX  Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-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 card account opened with 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 XXXXXXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've 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 items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. 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 aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX 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. 
What would be a fair resolution to this issue? ( demand for relief ) : I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that the TransUnion credit
Product: Credit reporting or other personal consumer reports

I wanted to follow up regarding my recent update, as I've noticed that there hasn't been any deletion of items in response to my previous queries. I have sent multiple letters to the Credit Bureaus requesting removal, but unfortunately, they only removed items once, and I didn't see any significant improvements afterward. This has left me feeling a bit disheartened. I understand the importance of maintaining an accurate credit report, and I believe that the removal of these items is crucial for my financial well-being. I kindly request the removal of the following items from my credit reports : 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 EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts and inquiries are not mine they was made without my permission, or consent, inquiries, XXXX XXXX Inquiry : XX/XX/XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX Inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX, XXXX XXXX Inquiry : XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX Inquiry : XX/XX/XXXXXXXX XXXX XXXX  XXXX XXXX Inquiry : XX/XX/XXXX All the above accounts and inquiry is and are fraudulent and according to The Court FCRA these accounts violated my rights in many ways these accounts is pass the statutory limit what the law required under statute 15 USC 1681 B, 15 USC 1681u 1681 section 602 Alpha which states I have a right to privacy, 15 USC 1681 604 Alpha Section 2 which states a consumer reporting agency can not furnish a account without my written instructions or consent, 15 USC 1666 Bravo which states a creditor may not treat a payment on a consumer credit card plan as a late payment for any reason the inquieres must be removed immediately thank you.
Product: Credit reporting or other personal consumer reports

After reviewing my credit report, I found some late payments that seem inaccurate based on my payment record. Could you correct these errors and update my account?
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified account listed below continues to report on my credit report in violation of federal law. I sent a letter to the XXXX credit bureaus but I never received a response from them. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate this account, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00}
Product: Debt collection

A law firm called XXXX XXXX XXXX filed a lawsuit in a XXXX XXXX XXXX in Florida for an alleged debt I owe to American Express in the amount of {$43000.00}. 
They mailed me over 400 pages of charges made by someone on a credit card obtained in XXXX by a person who has part of the name similar to mine. 
I have contacted the law firm and American Express several times and they have not been able to resolve that I am the wrong person. I have authorized them to review my credit report, I have offered all the information they ask for, I am willing to do whatever it takes to prove that I am not the same person. 
Today, XX/XX/XXXX, I called American Express, XXXX XXXX XXXX XXXX and they say it takes up to XXXX days to get back to me. 
Today, XX/XX/XXXX, I also called the law firm and the person who answered me, XXXX XXXX, said that access to my account is blocked because they are investigating it and that she has no idea when they will have an answer. She told me that the investigators from her firm do not accept calls. This whole conversation is recorded by that same company. 
In the meantime I have XXXX days left to respond to the legal claim. 
I am a citizen of the United States, I have lived in this country for 4XXXX years and my resume is impeccable. I have never defaulted on a debt, my credit score is over 800. I have never had the slightest legal problem in my life. 
This unfair situation has my wife and I under maximum stress. I am XXXX years old. I am a XXXX  with an extensive background and I can prove all the acts of my life have been correct. 
I do not want to and can not hire a lawyer to defend me for something I do not owe. I do not understand why neither of these two companies can give me an answer immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on  XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter.

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- AUTO ACCOUNT 1. XXXX XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Product: Payday loan, title loan, or personal loan

I took at loan with XXXX XXXX and part of the process was to payoff existing credit cards with the proceeds. I has 6 credit cards and 5 of them were paid off with the proceeds and the balance of the proceeds were sent to me as agreed. There was one card that was not paid, XXXX XXXX. I call the company several time to ask when will the payment be made, I was told to wait 7-10 days. The after those 7-10 days I called and inquired again. I was told as soon as they receive confirmation that payment was rejected by the creditor, the funds would be deposited into my account so that I could make the payment. That time has elapsed and still no payment or deposit into my account, I was event told that they received confirmation that the payment was rejected in the system and I should be receiving the payment. That confirmation was verbal and in writing. The customer services personnel notice that it was upsetting and tried to resend. But nothing has happened. I am owed approx {$3500.00} and this needs to be settled quickly.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, and Experian have failed to maintain the accuracy of the information reported on my credit file, despite multiple disputes submitted to address these inaccuracies. The information in question remains unverified, outdated, and incorrect, resulting in ongoing harm to my credit profile.

The following violations apply to this matter : 15 USC 1681i ( a ) ( 1 ) : This challenges the 30-day response time for investigating disputes, which was not adhered to in my case.

15 USC 1681i ( a ) ( 6 ) ( B ) ( iii ) : This challenges the investigation protocol, as no clear evidence or documentation was provided to verify the accuracy of the disputed information.

15 USC 1681i ( a ) ( 5 ) ( B ) : This challenges reinsertions protocols, as the disputed information has been retained or re-reported without proper validation or notification, violating FCRA guidelines.

I request that the CFPB investigate these violations and take action to ensure the credit bureaus address these inaccuracies, provide adequate validation, and comply fully with the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to attend an online education program back in XXXX by XXXX XXXX. After like 3 weeks I felt the program was a waste & advised them to close my account. Well the account ended up in collections in XXXX. I don't know if this even is the same company that tried collectiing before or a different one. This collection company that this debt was sold to is reporting it as a new debt opened up in XX/XX/XXXX. This is not the case. Maybe that's the day they acquired the debt but the debt is approxiatemately going on 3 years old. I've disputed the accuracy of these dates on my credit report multiple times to no avail. I have not received any proof as to when this account was closed and/or opened by Ability. Both XXXX XXXX & Ability have multiple complaints against them on the XXXX  website about their collection antics! I want the correct dates on my credit report as to when this acct went into collections not when it was bought & sold to a collection agency! XXXX XXXX will be my next complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. DEPTEDXXXX   XXXX {$13000.00} XXXX  XXXX {$1700.00} XXXX XXXX  XXXX {$13000.00} XXXX XXXX {$0.00} XXXX  XXXX {$11000.00} XXXX   XXXX {$250.00} XXXX  XXXX {$830.00} XXXX XXXX   XXXX {$850.00}
Product: Credit reporting or other personal consumer reports

I received a email about an application that was applied for without my consent. I contacted chase regarding this matter but they are saying that they do not see any applications or accounts under my name. they are telling me to contact the XXXX but XXXX is not the company that is pulling the application.