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

I contacted Regions on XX/XX/XXXX through the customer service line regarding a payment that will soon be withdrawing from my account. I notified the representative that I 'm worried about a payment that will hit the account soon and that it would overdraft the account. The Regions representative notified me that since the payment has n't hit the account yet, there would n't be any overdraft fees. She also notified me that if the payment does decide to hit the account, then all I have to do is make a deposit before the payment post. So late Friday XXXX XXXX, the payment for XXXX hit the account but did n't post yet. I had 4 pending transactions : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, and chairs that were pending but the funds were already taken out of the account leaving me with {$45.00} in available funds. When the XXXX payment hit on the XXXX, it made the account become overdrawn and XXXX XXXX and XXXX to savings posted. So I went to the branch in XXXX and spoke with a representative named XXXX. She notified me that I should n't have been charged on my account and told me that I will have to contact customer service since her branch was n't the one that opened the account. So I contacted Customer service and they were able to credit back {$18.00}, but told me to contact my local branch in Alabama to get the rest of the funds refunded. When I contacted the XXXX Alabama branch on Monday XXXX XXXX, the representative did n't honor the agreement and told me that I was misinformed by all the other representatives that I spoke with. This is really upsetting when all the other representatives are on the same page, but the branch that opened my account is n't. Now I have an overdraft fee for {$72.00} on my account that should n't be there and I feel like I was lied too.
Product: Credit reporting or other personal consumer reports

It is very unfortunate that it has com to this, However, I am writing to address a pressing issue regarding fraudulent accounts that have been mistakenly attributed to my name. 

I DID NOT open an account with XXXX  XXXX XXXX on XXXX XXXX XXXX, which has since been charged off, resulting in an outstanding balance of {$270.00}. To Date I do have an account an OPENED account with XXXX XXXX  XXXX, I have contacted XXXX XXXX  XXXX to report the fraudulent charges, and the identity theft and they have assured me that these charges will be removed. 

Additionally, I have reached out to the credit bureaus to notify them of the identity theft. I provided the necessary documentation, including the FTC report, an identity theft affidavit, and my New York State identification card, along with a cover letter detailing the situation. 

It is crucial to note that the accounts in question, specifically with XXXX XXXX XXXXXXXX and XXXX XXXXXXXX XXXX XXXX do not belong to me. They are a result of my former roommate using my identification without my consent and in an illegal manner. 

I am increasingly concerned about how the credit bureaus have been handling this matter. Despite my repeated notifications that these accounts do not belong to me, they remain on my credit report, affecting my professional opportunities and unfairly tarnishing my reputation. 

Your assistance in resolving this matter would be greatly appreciated. I am eager to ensure the prompt removal of these fraudulent accounts so I can move forward without further complications. 

Thank you for your attention to this serious issue. I look forward to your prompt response.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX denied me rental on XX/XX/2018, based upon the background check reported by agency. I have reviewed what was reported upon request to XXXX XXXX out of XXXX Texas. It is incorrect. It states I was charged and convicted of a XXXX and XXXX counts of XXXX. This is incorrect. 
I have sentencing orders showing there are XXXX XXXX ( XXXX for XXXX XXXX and XXXX for extreme XXXX ). I was ordered XXXX XXXX for 18mths, but will be lowered and set aside after completing 9 months. 
I want this corrected asap and can submit documentation to support this.
Product: Credit reporting or other personal consumer reports

XX/XX/year> Subject : Complaint Regarding Inaccurate Late Payments on Credit Report Dear CFPB, I am submitting this complaint regarding inaccurate late payments reported on my credit file maintained by TransUnion. These late payments are erroneous and do not accurately reflect my payment history for XXXX XXXX Account # XXXXXXXX XXXX  Complaint Details Inaccurate Reporting : The late payments listed on my credit report are inaccurate. I have consistently made my payments on time, as I have been enrolled in autopay for all my accounts. This account was refinanced and should reflect a history of timely payments.

Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of this late payment violates my rights under the FCRA ( 15 USC 1666 ( b ) ), as it misrepresents my creditworthiness.

Potential Violation of the Fair Debt Collections Practices Act ( FDCPA ) : The reporting of an incorrect late payment may also constitute a violation of the FDCPA, which protects consumers from misrepresentation regarding their accounts. 
Truth in Lending Act ( TILA ) : I assert that these reporting practices violate the TILA, which mandates accurate reporting of credit information. 
Additionally, the Fair Credit Reporting Act ( FCRA ), specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports to ensure maximum accuracy. Under articles 616 and 617 of the FCRA ( 15 U.S.C. 1681n and 1681o ), willful and negligent noncompliance could result in civil liability, including actual damages, attorneys fees, and potential punitive damages.

Discrepancies in Payment History TransUnion : Shows incorrect 30-day late payment statuses in XXXX and XX/XX/year>. My records indicate that payments were made on time. 
XXXX and XXXX : No late payments reported ; however, the errors in XXXX reporting affect my creditworthiness across all bureaus. 
Requested Resolution I request that TransUnion conduct a thorough investigation into this matter and remove any inaccurate late payments from my credit report. I ask that all such entries be updated to reflect my true payment history of 100 % on-time payments. 
I expect to receive written documentation confirming the removal of these entries within 30 days of this complaint submission. Failure to resolve this issue may lead to further action to protect my rights as a consumer. 
Attachments Identification ( ID ) Social Security Number Relevant Documentation Related to the Account Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

While reviewing my Equifax and XXXX credit reports via XXXX there are several accounts that are more than XXXX XXXX XXXX. These accounts should have been automatically removed. I made requests to both Equifax and XXXX for the removal of the below accounts via XXXX XXXX but ALL of the requests were denied. 

The following accounts are more than XXXX XXXX XXXX and should have been removed : XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I requested in writing debt validation and or the 1099-C regarding the alleged debt associated with my name, As per the FDCPA, I am entitled to receive validation of the debt, including but not limited to Disclosure proving the debt amount of payment. The original collectors debt history and an itemization of all of the payment history. The original contract with my wet signature, all of the credits I may have calculated applied and any additional fees. Any disputed interest or charges and also if the debt was canceled a copy of the 1099-C, which reflects the cancellation of my debt. This document is essential for me to properly address any tax responsibilities and navigate my current financial situation.
Product: Debt collection

I am a victim of unfair debt collection practices. The company XXXX XXXX XXXX XXXX XXXX XXXX furnishing false and misleading account information in my name to XXXX XXXX XXXX XXXX, XXXX, and others. The company is stating that I owe a debt to them which I do not owe to them. I do not have any association with the company and never entered into any contracts with the company. The company should not have any of my non public personal information including but not limited to my name, address and phone number. Because I never engaged with the company, it means that my personal information was obtained without prior consent directly from me, which means it was obtained by means of identity theft and deceptive forms. These actions are ruining my credit reputation and are causing damages to my household. I will not tolerate unfair debt collection practices. I am seeking justice and remedy.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are   XXXX   accounts that are reporting 120 days late from Nelnet,   XXXX   XXXX   XXXX    XXXX  account and   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX      XXXX   account. I have been attempting to contact these lenders to correct these errors that have caused my credit score to plummet and I am unable to obtain a mortgage. Also all of the above accounts are apart of a loan consolidation so how are they reporting late and the consolidation loan is in good standing. I contacted the FTC last year and they corrected this error so why is Nelnet reporting this way again this year.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX Balance : {$990.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX ) XXXX Balance : {$2000.00} ; XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Mortgage

My insurance company mailed my mortgage company a renewal invoice on XX/XX/2020. The mortgage servicer held the invoice until XX/XX/XXXX before cutting a check. That check # XXXX was not placed in the US mail until XX/XX/2020. Today I received a 10 day cancelation notice form my insurance company for non payment. I contacted PennyMac the mortgage servicer they are saying it takes 10 business days before they will do anything. After that point they will verify the check has not been cashed issue another and overnight it. That will take 5 business days. At that point my insurance will have expired. PennyMac further told me I have 30 days grace period before the insurance company will cancel. The 10 day cancellation notice is clear from my insurance company my policy will expire XX/XX/2020 XXXX.
Product: Credit reporting or other personal consumer reports

My repeated requests to correct and remove false and inaccurate information from my credit report continue to be denied or ignored. As a consumer, I am aware of my rights, which are being violated by the inaccurate reporting from these companies. This misinformation is damaging my credit score and having a detrimental effect on my life.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX 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. 

I am filing this Affidavit to report 5 fraudulent account ( s ) appearing on my consumer FICO XXXXcredit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of : A Credit Card opened at XXXX on XX/XX/XXXX under the XXXX. A Credit Card opened at XXXX on XX/XX/XXXX under the XXXX. A Credit Card opened at XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX under the XXXX. A Credit Card opened at XXXX XXXX XXXX XXXX  XXXX ) on XX/XX/XXXX under the XXXX. A Credit Card opened at XXXX XXXX on XX/XX/XXXX under the XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA. 

These accounts have resulted in several fraudulent chargeoffs, fraudulent late payments, and fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts, collections, late payments, or chargeoffs as reported. The aforementioned accounts, collections, and chargeoffs appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, late payments, and charge-offs 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. I demand that the aforementioned fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.
Product: Checking or savings account

I believe my claim should be honored because I provided substantial evidence to support that the transactions in question were unauthorized and fraudulent. 

I am disputing the following unauthorized and fraudulent transactions that appeared on my account : XX/XX/XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Unfortunately, I did not recognize the initial charges fraudulent charges on my account due to the small amount of the charges. It was only when I was out of the country from XX/XX/XXXX, and XX/XX/XXXX, of which I have substantiated with my travel ticket information and passport stamps. During this period, multiple fraudulent charges were made to [ Banking Institution ].

Additionally, I have never held an account with the company where these charges occurred, yet multiple transactions appeared on my statement. Upon noticing the discrepancies, I immediately reported the fraud to [ Banking Institution ] and took steps to secure my account by freezing my card. Despite the card being frozen, there were continued attempts to make unauthorized charges, further confirming fraudulent activity. 
I also filed a police report and submitted all relevant supporting documentationincluding the police reportto [ Banking Institution ] to substantiate my claim. Despite providing clear and substantial evidence, my claim was denied, unfairly leaving me responsible for the fraudulent transactions. 
A financial institution has a duty to protect its members ' funds and act in their best interest when presented with clear evidence of fraud. Given the immediate actions I took and the thorough documentation provided, I request that my claim be reconsidered and honored. [ Banking Institution ] must uphold its responsibility to safeguard its customers and rectify this situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Spoke with XXXX in collections who sent a request to remove 30 day late for XX/XX/2022 but a new late for XX/XX/2022 was added. XX/XX/XXXX payment is NOT 30 days late until XX/XX/XXXX and today is XX/XX/XXXX there incorrect credit reporting is causing me damages and health problems
Product: Credit reporting, credit repair services, or other personal consumer reports

This was not sent by error or anyone other then myself, I am a consumer by law and my information was misused in a data breech ( XXXX ) now I have some account and items that are not 100 % accurate on my credit report. That was unauthorized use of my credit report. 

I Demand Deletion of items and information plus I demand monetary compensation
Product: Money transfer, virtual currency, or money service

Set up account. invested $ XXXX which has increased 400 % in XXXX XXXX. Due to a lost phone I could not login. They then have a system to recover access to the account. Send in pictures of my ID and myself. I did this first with my NJ license and then with my passport. They denied recovery both times without telling me specifically what is wrong. i called emailed and chatted with them and submitted a complaint. That took a week of my time to do this. They now tell me that the account was setup incorrectly and they don't support it. How can they let someone set up an account that is incorrect. Another gotcha. They asked me to set up another account and transfer my assets from this account into a new one. They know I can't do that because without access to the old account I can't make any transfers. At every step they have found a reason not to help me get into the account. I am trying to speak with a human being but when I call their support line they tell me that the wait in in excess of one hour. i left a message to call me back when they are available which is one of their options. It has been two days and I have not received a call back. they sent me an email with six digits. i need to give that to them when they call. I'm sure they will contact me when I am away from my computer and I wont be able to give them the six digits and then i will have to start all over. There are dozens of ways to verify a persons identity. They choose the one that makes it easy for them to deny verification. I am XXXX XXXX XXXX and living on social security and my savings. Maybe they think I will lose interest. At that point they will close the account and take my money. They are infuriating. I have been a solid citizen all my life and this smells like a scheme to defraud me from my money. I really need help to get into my account. I will then sell everything and have them send me the money and close the account. At first I thought they were just ignorant and now I feel that they are geniuses who have devised a scheme where they don't have to be responsive to a customers needs. Losing a phone is commonplace occurrence. Their last email to me said that they will never recover this account. I repeat then, how would I transfer assets into a new account that they want me to set up. MY husband has his own account and I have asked them to transfer to him and they won't. They remind me of healthcare insurance companies who just deny, delay, etc.
Product: Credit reporting or other personal consumer reports

This account does not belong to me, and I did not authorize its creation. Kindly remove this erroneous account from my records immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I VE BEEN HAVING SO MAY ISSUE WITH THIS FINANCE COMPANY SINCE THE START OF THE LOAN. EVERY TIME I DISPUTE SOMETHING ON MY CREDIT REPORT THEY COME BACK WITH THE SAME ANSWER. THAT IS WHY I CHOOSE TO TRADE MY CAR IN AND GET FINANCED THROUGH ANOTHER FINANCE COMPANY. I CANT SEE MYSELF GOING THROUGH THIS FOR THE NEXT 5 YEARS WITH THIS FINANCE COMPANY NOT UPDATING MY CREDIT REPORT ACCURATE EACH MONTH. EVEN WITH XXXX XXXX I SENT IN THE DOCUMENTS THAT SHOWED THE ACCOUNT IS PAY IN FULL OR ANY DOCUMENTS THAT SHOWS MY DISPUTE OR WHY I AM DISPUTING THIS WITH THE DOCUMENTS THEY DONT USED THAT. SO WE ARE BACK HERE AGAIN WITH THE SAME ISSUE AND THIS TIME THERE SHOULD NOT BE ANY REASON WHY MY DOCUMENTS THAT I HAVE LISTED DOESNT GET FIXED. SO A LITTLE BACK GROUND ON THIS, MY ACCOUNT WITH XXXX XXXX WAS OPEN ON XXXX XXXX AND MY FIRST ON PAYMENT ON THIS ACCOUNT WAS MADE IN XXXX OF XXXX. ON MY PAYMENT HISTORY I AM MISSING THE TRADE LINE OF THIS ACCOUNT FOR XXXX OF XXXX AND WHEN YOU LOOK AT THE OPEN DATE WHICH SHOWS XXXX XXXX XXXX IT SHOULD ALSO SHOW ON MY PAYMENT HISTORY AS OKEY. WHEN YOU LOOK AT MY PAYMENT HISTORY IT STARTS WITH XXXX OF XXXX. ON MY EARLIER CREDIT REPORTS IT SHOWS THE MONTH OF XXXX OF XXXX SO WHY DOESNT IT SHOW HERE ON THIS CREDIT REPORT. I HAVE MADE ALL OF CAR PAYMENTS ON TIME FROM XXXX OF XXXX TILL THE LAST PAYMENT WHEN I TRADE THIS CAR IN AND THE XXXX XXXX RECEIVED A DEALER CHECK FOR THE AMOUNT {$11000.00} ON XXXX XXXX XXXX. I HAVE MADE PAYMENTS ON THIS ACCOUNT FOR 15 MONTHS FROM THE MONTH OF XXXX OF XXXX TILL XXXX OF XXXX. SO ON MY CREDIT REPORT IT SHOULD SHOW PAYMENT HISTORY AS OKEY OR CURRENT FOR XXXX OF XXXX TILL XXXX OF XXXX. ACCORDING TO OUR LAST DISPUTE XXXX XXXX HAS NOT UPDATE MY XXXX XXXX CREDIT REPORT ATT ALL. IT SHOWS A BALANCE AND IT SHOW THE LAST TIME THEY UPDATE THIS REPORT WAS XXXX XXXX XXXX. WE ARE IN THE MONTH OF XXXX XXXX XXXX. THEY ALSO SENT ME A LETTER THAT STATE THIS ACCOUNT IS CLOSED WITH A XXXX BALANCE AS CURRENT AND THEY ALSO ENCLOSED MY PAYMENT HISTORY ON THIS ACCOUNT. I WANT XXXX XXXX TO GET WITH XXXX XXXX AND I W ANT XXXX XXXX TO GET WITH XXXX XXXX AND UPDATE MY CREDIT REPORT ACCURATE.
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX : {$0.00} XXXX XXXX  XXXX XXXX XXXX : {$10000.00}