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

The company keeps changing the account open and pay date to age the report on the credit file. No matter how many request attempted, I still have not received the correct dates. This account should have been closed and removed from my reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and I write to dispute certain account in my file resulting from the crime. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
. The account I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft.This account unknown to me. Also, the information you provided on some account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some account is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.XXXX XXXX XXXX XXXX XXXX NY XXXX, XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX  XXXX XXXX NY XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX, XXXX XXXX XXXX Date Opened : XX/XX/2018 Balance : {$5800.00}
Product: Credit reporting or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate accounts in my file. 
XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$14000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with SYNCB/XXXX XXXX XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called SYNCB/XXXX XXXX XXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused me late account posting error. As you can see, I have always had a stellar payment record. I tried contacting XXXX, XXXX and XXXX, and SYNCB/XXXXE XXXX XXXX with no successful resolution. XXXX, XXXX  and XXXX reporting me having late payments. There was an error on their part. I was never late.
Product: Checking or savings account

We reported to Bank of America ( BofA ) that transactions made from our account were not done by us. They said that they were done by our Granddaughter ( XXXX XXXX XXXX ). We tried to explain to them that she did not. Her purse and phone were in her car that was stolen. 

The reason we did not report all the thefts immediately ; was due to my health issues and we were not paying as close attention as we usually did. They told us they could only go back on statement cycle. We have since found out they could have gone back one year. We have since sent in paperwork including XXXX police reports ( our theft/stolen identity and XXXXXXXX XXXX XXXXXXXX car/identity ). They have deliberately been obtuse about this and pick and choose which transactions they will look at. 

We have XXXX ( our worker is XXXX XXXX ext XXXX ) coverage ; and have since gotten them involved. She has sent all the transactions and police reports twice for which she has receipts for the documents received by B Of A including the police reports. Their position remains ; that they feel my wife made the request to " XXXX '' and XXXX received the money. We have repeatedly told them she did not and explained the theft of her car/identity. The police in XXXX, Wa feel that it was our granddaughter, in spite of the theft report. The prosecutor here will not prosecute for lack of evidence. 

The other part of why we didn't notice sooner ; is we have overdraft protection ; and until our {$20000.00} XXXX XXXX was reached ; we did not know there was a problem.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -51002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of debt bondage and would like for all listed accounts to be blocked and deleted company information. Please delete the following accounts. 

Account Name : XXXX XXXXXXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name XXXX XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX INQUIRUES : 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I 've disputed child support enforcement account # XXXX going on 5 times before, I 've provide full official documentation from my county clerks office, the official account history keeper, showing every payment I 've made since XX/XX/XXXX-XX/XX/XXXX without missing a single payment since the day I was ordered to begin paying child support, XXXX and XXXX, have fixed the account listed above accordingly and in my favor since I have proof, XXXX seems to not care about my proof and has failed to fix this issue. There response is always we are working on it or the documentation you 've provided is not sufficient, how ca n't it not be sufficient when it comes straight from the XXXX county Clerks Office. Please help, I 've attached complete 7 year history of payments from day 1 till now, plus a separate month statement XX/XX/XXXX to be exact, according to XXXX I failed to pay on that month, and lastly a couple transcripts from web chats with child support agents, where I clearly state my case with them about this error and they acknowledge no delinquencies on my account. Thanks
Product: Credit card

I have received phone calls from Midland Credit Management about a claim they say I owe to a company called XXXX XXXX, which I closed years ago. I am very upset they contacted me at home since I have never given out my home phone and it is unlisted
Product: Credit reporting, credit repair services, or other personal consumer reports

This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the XXXX XXXX system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX A ) XXXX XXXX  XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX
Product: Checking or savings account

On XX/XX/XXXX, I transferred {$12000.00} from my XXXX XXXX Savings account to Ally Bank. In XX/XX/XXXX, Ally Bank closed my account. I called them to get the {$12000.00}. They said their was fraud on my account and would need a " Letter of Indemnification '' from XXXX XXXX stating that the money was transferred out of my savings account into Ally Bank. When I asked XXXX XXXX, they said they can't send a letter directly to a 3rd party as it would violate confidentiality rights. I called Ally Bank to let them know what XXXX XXXX said. Ally Bank said that there's nothing they can do. Over the past year, I have spoken with Ally Bank and XXXX XXXX XXXX  at least 10 times. Ally Bank says they need a " Letter of Indemnification '' and XXXX XXXX XXXX  says they can't provide it. On XX/XX/XXXX, the branch manager at XXXX XXXX drafted a letter stating that the {$12000.00} did come out of my savings account. I faxed it to Ally Bank. On XX/XX/XXXX, I called Ally Bank. They said the letter is not enough and XXXX XXXX needs to send them a " Hold Harmless Agreement. '' This is the first time in the past year that they have mentioned this document. I spoke to the branch manager at XXXX XXXX and he said he's never heard of that document. He looked it up online and saw that it was a legal document but not something the bank provides.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Consumer Reporting act XXXX allege account XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Vehicle loan or lease

The car I financed through Westlake was totaled and paid off by my insurance company. My payoff was less than the value of the car so Westlake received $ XXXX excess payment which was supposed to be sent to me within 21 days of receiving the payoff. They received the payoff on XX/XX/2020. It has been 35 days and Westlake has not issued this payment.
Product: Checking or savings account

XXXX XXXX General Manager fraudulently without permission falsified documents/folios at XXXX XXXX XXXX XXXXXXXX, checking me into/out of room charging my debit card XX/XX/XXXX, after he XXXX XXXX was not present on or at property, BLATANTLY LIED AND ACCUSED ME OF BEING ON XXXX XXXX AND ACTING ERATIC AND HAD FRONT DESK STAFF CALL XXXX POLICE DEPARTMENT AND HAVE ME ESCORTED OFF PROPERTY WITH MY XXXX XXXX XXXX son! Its all on surveillance cameras on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XXXX XXXX XXXX, Al. WHEN I WAS OUT XXXX SHOPPING ALL DAY! {$140.00} was credited back to my account by my card company and today at XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX central time approximately XXXX XXXX charged my XXXX CARD ENDING XXXX exp : XX/XX/XXXX for {$270.00}, {$110.00}, & {$45.00} usd WITHOUT MY PERMISSION AND OR INFORMED CONSENT IN WHICH I DID NOT NOW OR IN FUTURE GIVE YOU ANY PERMISSION! It was done in retaliation for myself and others who called XXXX XXXX XXXX XXXX  on him for being discriminatory! XXXX XXXX as the General Manager abuses his power and access to Credit Card Numbers ( because he as GM is the ONLY INDIVIDUAL WITH ACCESS TO DO SO! ) to BREAK THE LAW AND COMMIT CREDIT CARD FRAUD AND FINANCIAL ABUSE STEAL BY MAKING UNAUTHORIZED TRANSACTIONS CAUSING ME ADVERSE ACTIONS TO MYSELF MY SON AND MY LIVELIHOOD WITHOUT MY CONSENT when I MYSELF AM NOT PRESENT ON PROPERTY A WEEK AFTER MYSELF AND MY XXXX XXXX XXXX son was ESCORTED OFF PROPERTY UPON RETURNING AFTER BEING OUT ALL DAY XXXX SHOPPING AND THAT IS ALSO PROVABLE BY SURVEILLANCE CAMERAS ON PROPERTY! Please Note : XXXX XXXX thinks he can get away with his crimes because he fraudulently had myself and my XXXX XXXX XXXX son trespass from property via TELEPHONE CALL THROUGH HIS FRONT DESK STAFF WHOM WERE 2 XXXX MALES AS WELL! XXXX XXXX WAS NOT ON PROPERTY WHEN HE COMMITTED THIS EGREGIOUS VIOLATION CRIME AND NEITHER WAS I MYSELF OR MY SON! 
XXXX XXXX has been reported to corporate XXXX XXXX XXXX XXXX XXXX XXXX My Bank , XXXX XXXX Cyber Crimes XXXXXXXX XXXX, FTC, and now CFPB. 
I have consulted with counsel to take legal actions against XXXX XXXX personally, franchisee, XXXX ( breach, CREDIT CARD FRAUD UNAUTHORIZED USE OF A CC, violation of myself and my minor sons civil rights, false police reporting, defamation/slander to XXXX, front desk staff ( in which could have gotten myself and my my child Killed for false fraudulent reporting, abuse of power accessing cc information for nefarious use committing a crime. ) I AM NOT ANYWHERE NEAR XXXXXXXX XXXX XXXX XXXX XXXX I DID NOT SWIPE MY CARD, TAP TO PAY, or give my CONSENT PERMISSION AND OR AUTHORIZE ANY CHARGES ON MY CARD! Refund my money!
Product: Student loan

On XX/XX/2019 I spoke with XXXX, returned a phone call that I received thinking it was from the fasfa department. The phone number associated with the call XXXX, the other number I called back that was left on my voicemail was ( XXXX ) XXXX. The associate told me that XXXX XXXX the original person that called me was on another line an he would assist me. Then he asked for my full social an I provided him with it .not thinking that it could be a scam he then asked for a debit card or banking information I hung up because it would be XXXX up front for 6 months then XXXX after that. Please help me!!
Product: Credit reporting or other personal consumer reports

These are the reported accounts that I want 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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive been trying to dispute several accounts on my report but my dispute has been ignored. I am requesting that you look into this matter as required to do so under the FCRA. If you do not comply with the terms of the FCRA I will have no choice but consider the possibility of litigation. 
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 been attempting to get Equifax report and score as well and their customer service team has no idea why customer keep getting error messages. THis appears to be widespread and their own reps say this has been escalated for months to their technology team. There are blogs on my fico speaking about this.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are multiple credit inquires without my knowledge XXXX XXXX  XXXX from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX In Members Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX Chase XXXX XXXX XXXX Inquiry from XX/XX/XXXX Chase XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX Chase Card Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XX/XX/XXXX
Product: Debt collection

On XX/XX/20, I received notice from credit card company that my credit score had decreased by 100pts!!. This prompted me to check my credit report. There was a collection account posted XXXX on my report by First Financial Asset Mgmt for XXXX XXXX XXXX in the amount of {$210.00}. I have never heard of First Financial Asset Mgmt until XX/XX/20. I have disputed the validity by phone and in writing with First Financial Asset Mgmt., but the false reporting remains damaging to my credit report. I need to report the practices of First Financial Asset Mgmt. I would like them to be held responsible for the damages caused to me and my family for making false reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. XXXX {$27000.00} XXXX {$980.00} XXXX {$590.00} XXXX {$890.00} XXXX {$590.00} CHAPTERXXXXBANKRUPTCYDISCHARGEXXXX
Product: Credit reporting or other personal consumer reports

This morning, I found an unauthorized inquiry on my credit report, and I have no idea why it's there. I regularly check my report, and this time, I was shocked to see unexpected discrepancies. I even refreshed my browser, hoping it was just a glitch, but it remained. This situation is extremely frustrating, and I demand that the documents I provided be reviewed carefully so I no longer have to deal with this stress.
Product: Credit reporting or other personal consumer reports

It appears that I am a victim of identity theft. ( Please see attached documents )
Product: Credit reporting or other personal consumer reports

I still havent received no response on initial complaint and iv called several times and still the department has not gave me anything.
Product: Checking or savings account

XXXX withdrew {$570.00} from my XXXX Checking Account. I have never owned a Hyundai or bought any vehicle from a Hyundai Dealership. When I explained that to them, they said without an account number we cant help you. I tried giving them my checking account number so they could look it up and see what account it's linked to and they said, sorry, we can't look that up. I have a feeling though they'd be more than happy to take it over the phone though to make a payment.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX THE ABOVE INQUIRIES ARE NOT MINE
Product: Credit card

A true personal story : I was a Capital One cardholder for some time and I paid my bills in a timely manner. Then my Capital One account got hacked and someone ordered a card to a different address and was making purchases with my card and paying with my bank account that was pegged to my capital one credit card account. 

I called capital one and they were very callous about it and they told me to just change my password and they will send me out new cards. 

Lo and behold a couple of weeks does n't go by and I notice charges appearing that were n't mine. So after investigating I realized that this same hacker must have hacked again and ordered a new card and was spending once again. Oh you bet he did but this time he got smart and attached someone else 's bank account to the account ( a XXXX XXXX XXXX account ) and was paying for the purchases with this party 's bank account. This " hacker '' also started withdrawing money from ATM machines all over NY. 

I called capital one and again they were not forthcoming even blaming me, like it was my fault! Instead of commencing an investigation as to how my account was being hacked, they just told me to change my password and sent out new cards. 

I also spoke to the fraud department dozens of times ( each time took 30+ minutes ) and told them to please make sure my account is credited for all the unauthorized ATM withdrawals and charges. 

Capital NEVER credited me those charges. I never ever experienced more horrific customer service then my 6 month misery with capital one. They only wanted to sweep it under a rug that they were hacked. 
Capital NEVER credited me those charges. So I refused to pay my bill. I told them I will pay when they remove those charges. So they gave me the run around and sent me to other " departments '' but never ended up crediting those charges. 

I refused to pay and this went to superior court and I was n't going to start paying lawyers and never challenged it and lost by not showing up. 

Capital One has garnished money from my account on XXXX separate occasions also incurring me overdraft charges and bounced checks because I never got a heads up when the money was going to be withdrawn. 

But those were the least of my problems. 
The guy who hacked in managed to get all my info and so began my fun 2 years of identity theft. 
I have detailed very quickly a very unenjoyable episode to say the least. It has cost me so much time, money and effort.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX and this complaint to Experian was the result of their non-compliance to my request and for their refusal of getting the items, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Under FCRA, 30 days without responding to the requests I have sent should be considered as an immediate deletion. So please, I am sending this complaint to seek help and assistance to help me delete the concerned items for they were found erroneous and unauthorized. 
XXXX XXXX XXXX Balance : {$1800.00} XXXX XXXX XXXX Balance : {$1700.00} XXXX XXXX XXXX XXXX Balance : {$920.00} XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX Sc, XXXX XXXX XXXX Its been over 30days and the creditor has not updated the information nor has provided proof or documentation in regards to a late payment they have nt supplied this information and they must delete the alleged payments on my credit report under federal law they had 30 days to complete the investigation and by failing to do so the item must be deleted from the report as soon as possible Accounts name : XXXX XXXX XXXX XXXX # XXXX XXXX : XXXX XXXX XXXX XXXX # : XXXX
Product: Credit card or prepaid card

XXXX in error overpaid my Apple Credit card by Goldman Sachs XXXX purchases declined from this day forward Inquiry revealed that the funds were held in escrow until XX/XX/2022 because I made an unsolicited payment ahead of XXXX that was returned from the bank as insufficient funds. 

What the unsolicited payment has to do with the later overpayment I dont know. This has resulted in every automatic payment being declined and no subsequent deposit will be credited to offset the money in escrow. 

Bottom line, the bank is holding MY MONEY. The total due and limit is one thing as that is their money. But the amount difference is MY MONEY. I tried to handle by phone, by supervisory channel and nothing worked. Whats the fine print on this?
Product: Credit reporting, credit repair services, or other personal consumer reports

So, I sent a letter off on XX/XX/2022. Here 's my tracking # XXXX to remove personal information that I do not want on my credit report. According to the fair credit report act 15 USC 1681. I have the right to privacy. Also, according to 15 USC 6802. No financial institution is not supposed to share my information to third party people.

These are clear violations of my federally protected consumer rights.