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

On XX/XX/XXXX of this year I made a deposit to Navy Federal credit Union from a check that was written for me from my mechanic from XXXX XXXX  XXXX. Upon following the bank directions and making a mobile deposit to Navy Federal, I signed the check and wrote on the back of the check for Navy Federal credit Union mobile deposit only as instructed. 
After making my mobile deposit, The check written out to me was apparently stolen and got someone elses hand and that person cashed it at XXXX XXXX XXXX. 

Im not sure how XXXX XXXX XXXX was able to cash it without my identification and it was written out to me and already deposited to Navy Federal. Navy Federal took the funds back from my account and left my account overdrawn. 

At this point, I do not know which bank to blame. 

I know that XXXX XXXX stole my check and banks with XXXX. I do not know how he was able to take my check and cash it. 

Now my account is overdrawn and everything I have is gone. I do not know how Im going to survive the next few weeks as this was a check written for me to get another car for transportation
Product: Credit reporting or other personal consumer reports

I have many discrepancies reporting differently on all three bureaus.
Product: Credit reporting or other personal consumer reports

I'm writing to ask that unapproved credit inquiries be taken off my credit record. I discovered inquiries on my credit report that I had not approved when I obtained a copy of my credit report. They are listed below. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

I have three CD accounts with Marcus Bank. One of them was matured on XX/XX/year> and I already set up the account to be closed and transfer the fund to my external account before the matured date. It shows me on the account page, " Transfer in process, takes 3-5 business days '' and I thought everything was going smoothly. Five days later, I saw the fund was still in the CD account then I called customer service. I was told they couldn't verify my external account so the fund couldn't be transferred. ( Why nobody call/email me about this until I called? ) Then we did a three way call to verify my external account and it was done. The reason why they couldn't verify my external account because they called XXXX XXXXXXXX XXXX  to verify my XXXX XXXX account, of course that won't work, althougXXXX XXXX XXXX is under XXXX XXXXXXXX XXXX. Then I was told everything was cleared, I will receive my fund in 1-3 business days. Another 3 days passed, the fund was still in the CD account, I called again. They said there was a penalty in my account and they are going to submit a wavier. Once the wavier is approved then they can transfer the fund. ( What did I do wrong? I just need my fund for XXXX. ) Since then I called everyday to get an update of the fund status, today is XX/XX/year>, the fund was still in the CD account ... I'm going to call again later. Every time I called, I was told the account was closed and the fund is being transferred and the next day I still see the fund in the CD account. It's end of the year, I had plan to use the fund for XXXX, pay some bills, etc. Now it ruins everything and I'm paying interest everyday for my bills, because they made a mistake. All I hear is Sorry Sorry Sorry, nothing was done.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that were opened without my knowledge, consent, or authority within 4 business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, AZ XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX, XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX, XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

I am requesting that XXXX delete a paid account from my credit report. I paid the account in full, yet they are refusing to issue a letter of deletion or request its removal from the credit bureaus. I contacted the company on multiple occasionson XX/XX/year>, XX/XX/year>, and XXXXrequesting this deletion after fulfilling my payment obligation. Despite this, my request has been denied. 

I am aware that this company has previously honored similar requests and issued deletions for other consumers in comparable situations. I believe it is unfair and inconsistent to provide this goodwill adjustment for some but not others who meet the same conditions. I respectfully request that the account be removed from my credit report in good faith, as it has been paid in full and I have made multiple timely efforts to resolve this matter directly with the company.
Product: Student loan

I was charged a {$6.00} " late fee '' for the month of XX/XX/XXXX, even though I paid my bill for the month of XX/XX/XXXX. When I called, the 1st agent told me the system was down so, XXXX couldn't see my account. So I hung up and called back immediately, I spoke to XXXX who then lied and said that I didnt pay in XX/XX/XXXXdo that is why in XX/XX/XXXX i'm being charged a 'late fee '' however I have records proving that I paid the XXXX bill right after the billing statement was sent. XXXX then hands the phone over to XXXX who then say that XXXX " misspoke '' and that the " late fee '' was because the XX/XX/XXXX payment was late. I further explained to him that ALL of my loan payments have been late and they have NEVER added a late fee because I always paid by the XX/XX/XXXX of the month. XXXX then tells me that it is company policy that after 10 days a late fee is added. I asked him where on the billing statement does it say that policy and where on the website does it say that policy? He says its on the website and " is basic knowledge '', I then ask him to tell me exactly where it says that " basic knowledge ''. After further review he comes back says it's not on the website and it is not on the billing statement but then says that on the billing statement that a late fee MAY be applied. However i explained to him if that was the case then there should've been a late fee every month because I've never paid the bill on time. His only explanation is that it was late so they added a " late fee '' even though it has always been paid late and never been given a late fee until now. this company has unwritten policies unbeknownst to the people they are billing and they are making up rules when they feel like to people they want to XXXX over. Also they generate their bill statements inconsistently. the bill statement for XX/XX/XXXX came 1 week before the bill was due and the bill statement XX/XX/XXXX came 3 weeks before the due date. Also the billing statement says it was generated on XX/XX/XXXX yet it says its 15 days past due. a bill CAN NOT be 15 days past due if you generated it on XX/XX/XXXX. They are liars and scammers.
Product: Credit reporting or other personal consumer reports

For XXXX XXXX XXXX docket number ending in XXXX is reporting as a repossession. I dont know why it would be report as such because it was not an auto loan. This has really lowered my credit score.
Product: Credit reporting or other personal consumer reports

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I have sent credit bureaus letters since the beginning of XXXX. To this date, I have sent FOUR letters to EACH, which I let them know what the errors are. All the bureuas have done is change numbers in the accounts which are STILL wrong ( date of last activity, amounts, balances, last reported, date opened, some show open status but are collections etc. ) I still see everything on my report so I am reaching out to you, in hopes of resolving the issue and getting these accounts DELETED from my reports. I have attached my report so you can see exactly. 

I sent letters on XXXX XXXX XXXX XXXX ACCOUNTS WITH ERRORS THAT SHOULD BE DELETED. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX 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 or other personal consumer reports

XXXX XXXX Balance {$7100.00} XXXX XXXX XXXX XXXX XXXX  XXXX XXXX {$8700.00} XXXX XXXX XXXX Balance {$850.00} The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., is federal legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. It was intended to shield consumers from the willful and/or negligent inclusion of erroneous data in their credit reports.
Product: Credit reporting or other personal consumer reports

I am filing this complaint against TransUnion LLC for failing to investigate and correct inaccurate payment information on two child support accounts, despite multiple disputes. On XX/XX/XXXX, I disputed these inaccuracies, followed by a second dispute on XX/XX/XXXX. However, the errors remain on my credit report, which is a violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

The accounts in question are from the Office of the Attorney General ( OAG ) and include XXXX XXXX XXXX ( XXXX ), which is inaccurately reporting payment history from XX/XX/XXXX to XX/XX/XXXX, and XXXX XXXX XXXX ( XXXX ), which is inaccurately reporting payment history from XX/XX/XXXX to XX/XX/XXXX. The date last active is also inaccurate. Despite my multiple dispute submissions, TransUnion has failed to conduct a reasonable investigation as required by FCRA 1681i and continues to rely solely on creditor-provided information without independently verifying its accuracy. 

This failure to investigate and correct the errors violates the precedent set in XXXX XXXX TransUnion XXXX, which requires credit bureaus to perform reasonable investigations rather than blindly accepting creditor data. TransUnions actions constitute negligent non-compliance with the FCRA and have caused harm to my credit standing. 

I respectfully requested the FTC to investigate this matter and ensure TransUnion complies with the FCRA. Attached are copies of my dispute letters to both the FTC and Transunion as well as documentation of the incorrect payment histories for reference.
Product: Credit reporting

I disputed items on my report that were due to fraud and identity theft. The items were deleted and reinstated by a new collection agency months later after investigation concluded.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX  has violated my consumer rights. XXXX XXXXXXXX XXXX XXXX has violated my consumer rights. XXXX XXXXXXXX XXXX has violated my consumer rights. XXXX XXXXXXXXXXXX XXXX has violated my consumer rights. * 15 U.S.C 1681 Sec 602 A : States I have the right to Privacy.

15 U.S.C 1681 Sec 604 A. Sec 2 : Also states a consumer reporting agency can not furnish a account without my written consent. 
15 U.S.C 166b : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any reason.

15 U.S CODE 1692c ( a ) Communication with the consumer generally without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 
I have never given prior consent or had any contractual agreements with any of these creditors agreeing to report misleading representations of myself, the consumer. Please ensure the creditors and credit reporting agencies correct all errors relating to payment history, late payments, payment history etc. I have never consented to any such terms of agreement. Please ensure all investigations will be METRO2 COMPLIANT and resolve their reporting Innaccuracies.Thank you
Product: Credit reporting or other personal consumer reports

The account XXXX XXXX XXXX is reporting three late payments of 30 days. 1 in XXXX and 2 in XXXX. This is highly incorrect. 
XXXX and XXXX and XXXX. These payment were paid on time and as scheduled. I reached out to XXXX about this account and they keep telling em to hold and then they send out a letter saying that even though they were wrong, they can't go and change already posted information. 
The account number is XXXX. The account was opened XXXX, XXXX. It was an Auto Lease. 

The account XXXX XXXX XXXXXXXX XXXX XXXX is reporting 12 late payments of 30 days. This is highly incorrect. They are also reporting this account closed when its not even my account. From XX/XX/XXXX until XX/XX/XXXX they are either reporting this account late or closed. It should be removed. 
These payment were paid on time and as scheduled. I reached out to XXXX about this account and they keep telling em to hold and then they send out a letter saying that even though they were wrong, they can't go and change already posted information. 
The account number is XXXX. The account was opened XXXX, XXXX. It was an Credit Card. 

The account XXXX XXXX is reporting 12 late payments of 30 days. This is highly incorrect. They are also reporting this account closed when its not even my account. From XX/XX/XXXX until XX/XX/XXXX they are either reporting this account late or closed. It should be removed. 
These payment were paid on time and as scheduled. I reached out to XXXX about this account and they keep telling em to hold and then they send out a letter saying that even though they were wrong, they can't go and change already posted information. 
The account number is XXXX. The account was opened XXXX, XXXX. It was an Credit Card.
Product: Credit reporting or other personal consumer reports

Capital One- Platinum credit card reported to all Three Credit Bureaus On XX/XX/2023, {$75.00} of none payment due financial hardship Im highly impacted by the creditors decision. However The law Reporting act XXXX Account # XXXX, has violated my rights 15 USC has 1681 section 602 states I have the rights to privacy 15 USC 1681 section 602 A it also states a consumer reporting agency can not furnish an account without my written permission.
Product: Credit reporting or other personal consumer reports

I requested the Experian verify XXXX XXXX  XXXX XXXX as accurate and account came back as verified, and i disagreed with this. on XX/XX/2024 i asked for this account to immedietley be reinvestigated and In accordance with The Fair Credit Reporting Act, Public Law 91-506, Title VI, Section 611, Subsection A-D, to please provide the names and business addresses of each individual with whom you verified the above within 15 days, so that I may follow up. On XX/XX/2024 I received the results of my 2nd dispute with this as the only note on the account " This item was updated from our processing of your dispute in XX/XX/2024. '' I did not receive any of the information on the individuals that the verified this information with. So now I am submitting a factual dispute on XXXX XXXX XXXXXXXX XXXX. This account was charged off on the following dateXXXX. Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charge off account should not include an active payment history. This inaccurate information falsely manipulates the statue of limitations. You failed to investigate this account properly after I asked you to do it TWICE and your neglect has violated my rights. I am demanding a deletion of the following account : XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have only 2 open credit card on my account a XXXX XXXX  card and XXXX XXXX  both operating under XXXX XXXX XXXX and XXXX XXXX. 

under XXXX  card/ XXXX they are reporting multiple late payments I asked about htis on numerous phone calls and they told me they can not provide any information over the phone and I should dispute it with the credit bureaus. Why are they doing this I am not homeless with my XXXX kids sleeping in my XXXX because I can not get approved for an apartment because of these reporting incorrectly with no explanation! I called to have the remove from my credit and they keep telling me to dispute it and I am constantly going back and forth and they advise they made notes to their system. 

The second surge card is also reporting a lateness and I contacted XXXXXXXX XXXX they told me that I was never late but yet they are reporting this information This is an unfair practice and these are predatory cards that are {$300.00} credit limits with a XXXX to XXXX $ annual fee. they were the only ones to approve me after i had credit issues and I really appreciate that - but reporting incorrectly is truly disgusting. 

Also in my conversation with the XXXX XXXX I advise please can I pay off the card and have the entire account removed from my credit because I can not have my XXXX children sleeping in my moldy XXXX any longer they keep saying they do not have any information to provide about the lateness reporting. 


I need these incorrect reporting off my credit even if that means me paying these balance sin full and have them removed i will do anything please!
Product: Credit reporting or other personal consumer reports

Equifax has placed an account XXXX XXXX on my account. This account is not reporting accurately. It is a requirement to report completely and accurately. Please update the error from 120 days to OK status.
Product: Money transfer, virtual currency, or money service

I sent {$2000.00} to a non working cashapp and was told that I would get a refund, but never received anything
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The TransUnion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX XXXX XXXX Balance : {$20000.00} XXXX XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX Balance : {$2200.00}
Product: Credit reporting or other personal consumer reports

As per the Illinois Collection Agency Act, all collection agencies conducting business in Illinois must hold a valid license to operate in the state. I sent proof to Equifax that XXXX XXXX does not have the proper license to collect in the state of illinois, and should remove this from my credit. 

I asked Equifax to respectfully remove creditone llc from my credit report until the collection agency 's licensing status are verified. I also asked for documentation to support the validation of this debt and the authorization of the collection agency to operate in Illinois. Equifax has failed to provide me this information, as well as removing XXXX XXXX from my credit report.
Product: Prepaid card

On XX/XX/XXXX I was XX/XX/XXXXon XX/XX/XXXX. I had a deposit to my chime account of XXXX I was released fromXX/XX/XXXXXX/XX/XXXX thinking I still had money in the account I didnt have acsess to the email connected to the account so I called they tell me my account had been closed for suspicious activity that my money was not in the account I explained that I had been XX/XX/XXXX for the past two years so they tell me the mine was taken out of the account in XXXX of XXXX I again explain I was in XX/XX/XXXX I couldnt have withdrawn any money and that no one had permission to acsess my account they give me the run around for 3 months email after email talk supervisor after supervisor finally one supervisor tell me that chime hadctaken the money for a credit builder card which they offer I had XXXX of credit with them and had not used it so where was my money she tells me that chime took it and closed the account that she was sorry nothing I could do basically and would never let me acsess the account so they stole my money which was deposited from the Florida XXXX I would like my money they are common theives please help me or give some advice of what should do thanks I dont have the card number my wallet was thrown away when I went to prison and chime would never let me acsess the account they closed it
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent  XXXX  written request to Equifax requesting the removal of the listed unverified items. They have failed to send me copies of the documents that they used to verify the disputed accounts. They have failed to delete the disputed accounts that they did not verify. Under  Section 611 ( 5 ) ( A  ) of the FCRA they are required to promptly delete all information which can not be verified. I am requesting deletion of all disputed accounts which they did not verify.
Product: Credit reporting, credit repair services, or other personal consumer reports

Per the Federal Service Desk Request and as it pertains to inaccurate public record information surrounding the address of XXXX XXXX XXXX XXXX, VA XXXX. This address is registered to XXXX XXXX XXXX and the only business that should be identified with this address is " XXXX XXXX   XXXX XXXX '' from XX/XX/2015-present.
Product: Credit reporting or other personal consumer reports

I contacted the company and to remove the inaccurate information from my credit report in XX/XX/XXXX. I havent got a response back from them. The company is reporting inaccurate information regarding when my account was opened and and reporting. The company name is XXXX  XXXX  and the amount is {$1400.00} the report is stating I opened the account on XXXX XXXX which in inaccurate the account was opened in XXXX