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

TransUnion XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 

XXXX Potentially negative Date openedXX/XX/XXXX BalanceXXXX StatusClosed. {$590.00} written off. 
XXXX  Potentially negative Date openedXXXX Balance- StatusClosed. {$190.00} written off. 
XXXX XXXX XXXX Potentially negative Date openedXXXX Balance {$5400.00} StatusAccount charged off. {$5700.00} written off. {$5400.00} past due as of XX/XX/XXXX. 


The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX XXXX FL XXXX
Product: Credit reporting or other personal consumer reports

Hello, I'm requesting a re-investigating. I just received my TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  came back VERIFIED AS ACCURATE. The other credit bureau XXXX WERE NOT able to properly verify these accounts and was required to remove the accounts from my Credit Report. I have the right to a COMPLETE & 100 % ACCURACY on my credit report with all 3 credit bureaus per The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq and FCRA 623 ( b ) ( 1 ) ( d ). How were you able to verify these accounts and you all have access to the same information? Please Give me the name of the person who verify this account? Also, I have attached a invoice of all the laws you fail to comply with ( 15 U.S. Code 1692d : Harassment and abuse, 15 U.S. Code 1692e : False or misleading representations, 15 U.S. Code 1692f : Unfair practices, 15 U.S. Code 1692g : Validation of debts, and 15 U.S. Code 1692j : Furnishing certain deceptive forms ). You can mail the check to my address that's mention in the invoice. I have uploaded my supporting documents as my proof of these accounts was removed off my XXXX XXXX XXXX XXXX XXXX  Do not send me any stall tactic letters. Send me a update copy of my credit report. PLEASE REMOVE THESE ACCOUNTS IMMEDIATELY!!!
Product: Credit reporting or other personal consumer reports

This has already been removed from the other credit bureaus, please remove this off as they cant be validated. This is effecting my credit in a negative way.
Product: Mortgage

IN XXXX I received notification from Ameris Bank that loan number XXXX Was being transferred to XXXX XXXX XXXX. Effective XX/XX/XXXX. 

At no point prior to this did I receive any notification about my escrow account balance. 
I was notified by XXXX XXXX XXXX that my mortgage was transferred with a negative escrow amount. 
I asked Ameris Bank why. They sent me the enclosed escrow sheet. They failed to keep the {$420.00} balance they should of maintained. They failed to raise my escrow to the {$290.00} that would of made up for the expected escrow shortfall. 
This has caused me now to have a {$1600.00} expected shortfall and a increase over {$200.00} a month mortgage payment.
Product: Checking or savings account

On XX/XX/19, PNC Bank incorrectly charged my checking account {$100.00} in overdraft fees ( 3 fees of {$36.00} each ). The fees forced my account into a negative balance of {$100.00}. Absent these fees, my account had a positive balance of {$7.00}. I work 2 jobs to cover my expenses and do not have excess funds to give the bank for excessive fees. Therefore, I have not deposited any additional funds into my PNC checking account. 
I called PNC customer service on XX/XX/19 to ask if PNC would reverse the fees. The representative said he could not. He stated that the ( cash ) deposit I made on XXXX on XXXX was pending. I pointed out that the items for which I was charged overdraft fees were pending as well ( {$38.00}, {$1.00} and {$12.00} ). I then asked to speak to a supervisor. After being on hold for about 10 minutes, I was told there was no supervisor available but one would call me within 24-48 hours. I never received a call. 
As a result of the situation created by the bank, automated debits since XX/XX/19 have been returned, resulting in 10 fees, for a total {$360.00} in fees. 
I am requesting that the bank reverse these fees and credit my account for {$360.00}.
Product: Credit reporting

Capital one auto finance has been reporting my car payment late even when I 've paid on time. I 've asked them to remove the late payments and I 've just gotten a generic response back with more run around. All I want is my late payments removed once and for all.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX  I made a transfer to a family member in the amount of {$200.00} using zelle linked to my XXXX and this money was never received by other parties. I didn't know that the word XXXX was not supposed to be used in the memo section. Now Zelle has my money frozen. Please, I need a resolution with this problem.
Product: Credit reporting or other personal consumer reports

I am writing to request a reinvestigation of the information contained in my credit report in accordance with 15 U.S. Code 1681i - Procedure in case of disputed accuracy, and 15 U.S. Code 1681e ( b ) - Compliance procedures to assure maximum possible accuracy of the information. I recently reviewed my credit report and wish to ensure that all the information is 100 % correct and accurate.

Below are the accounts I am requesting to be reinvestigated : *Account Name : XXXX XXXX *Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Comenity Capital Bank has not adjusted any of my late fees that I was told I would not be charged back in XXXX XXXX. I have continuously been told that I can ask for a new promotion for the interest to my line of credit however, every month the bill continuously increases. Comenity Capital Bank is continuously reporting the credit bureau of inaccurate balances and late fees.
Product: Credit reporting or other personal consumer reports

Experian is currently reporting the account XXXX XXXX XXXX account number XXXX in the amount of {$12000.00} dollars as an closed account. The true status of this account is Collections. For I still receives calls, Emails, and Letters from XXXX XXXX XXXX requesting for payments. Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 I have the right to a Fair and Accurate Credit Report. That is LAW. In the CFPB portal I will download proof of XXXX XXXX XXXX contact requesting Balance to be paid.
Product: Checking or savings account

Account name XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX Routing number XXXX This account had been receiving customer payments in succession around XX/XX/XXXX. During this period, the account was temporarily restricted by BOA 's risk management department. However, after providing the necessary customer informatio, the risk assessment was completed satisfactorily, and the account was returned to an operational status. 
However, after a while the account has been closed by boa and requesting to reverification of the maker info. 
Which doesnt make of sense. 

The handling of this matter by BOA has been highly unprofessional for several reasons : * The account funds had already been verified by BOA 's risk control, with all necessary customer information provided. Despite this, BOA has continuously claimed that the account requires additional investigation, refusing to accept further customer payment contracts and invoices as additional proof. 
* The delay in receiving the final payment is excessive. Since being notified of the account closure in XX/XX/XXXX, the remaining balance has not been received as of XX/XX/XXXX. 
I urge the Consumer Financial Protection Bureau to intervene and facilitate the expedited resolution of this issue, ensuring that the remaining balance owed to me is promptly settled. 
Sincerely, XXXX XXXX
Product: Credit card or prepaid card

I applied for a Capital One Secured MasterCard and was approved in XXXX, 2018. I had to EFT {$390.00} to a secured savings account in order to receive a {$500.00} credit limit. I received my card XX/XX/2018. I did not activate it immediately because I was told by Capital One Customer Service I could increase my credit line to the {$1000.00} maximum by not activating it and call a representative to transfer the additional funds. I called their Customer Service line this A.M. ( XX/XX/2018 ) and was told my account had been closed by Capital One. After being cut-off twice I finally spoke with someone in the " appropriate department '' that said my account had been closed because of information on a background check they did on me. I never approved, in writing, a background check to be pulled on me, which is the law. I have to expressly authorize in writing, which I did not. I have open checking and credit accounts with the two largest banks in the U.S., XXXX and XXXX and this was NEVER an issue. I think Capital One is violating the law by opening secured accounts for individuals and pulling background checks without the applicant 's written permission.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX have accounts that are reporting wrong and incorrect information. I have tried relentlessly to remove these errors from my credit report with the original creditor and the credit bureau 's, however, I have been unsuccessful as the credit bureau 's and original creditors have been violating federal law! The account from XXXX XXXX with the account numbers XXXXXXXX XXXXXXXX and XXXX are reporting late payments that are incorrect. According to 15 U.S. Code 1666b- Timing of Payment XXXX XXXX XXXX XXXX AND TransUnion ARE BREAKING THE LAW. Pursuant to subsection ( A ) A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I, XXXX XXXX, did not receive a periodic statement 21 days before my account was going to be late which is a violation of federal law. Additionally, a creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose. I have attached a copy of the law to this document. I demand the late payment ( XXXX ) be removed from the following account ( XXXX ) immediatelyXXXX XXXX XXXX XXXX, XXXX, XXXX
Product: Money transfer, virtual currency, or money service

Hello, my name is XXXX Ive had Zelle since it came out and have had problems ever since. 
Ive reached out and received no solution just inferences that its all my fault.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act, XXXX, XXXX, and Transunion has violated my federal consumer rights to privacy and confidentiality under 15 USC 1681.

According to the 15 USC 1681 section 602 A States I have a right to privacy. These addresses do not belong to me : 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
Product: Credit reporting

Our SUV damaged XXXX/XXXX/15. Ins. XXXX XXXX XXXX subtracted $ from payment because we had " a lien on the car ''. Never any loan for it, never a lien or ever used as collateral, so I contacted Experian to check. Screen came up immediately with all details, including my credit score and reports from all three. Not being aware of the extra charges, I had thought what appeared on the screen was my lawful yearly information. So, I closed the screen. When I accessed my XX/XX/XXXX statement from XXXX XXXX. I saw a charge On XX/XX/XXXX of {$39.00} and another separate charge of {$1.00} ; On XXXX/XXXX/15 further charge of {$21.00}. When I Called to complain, I was told that because I had been given my credit score and all reports from the XXXX credit checkers I had spent {$39.00}. She then carefully asked if I had a {$1.00} which was charged for the yearly report. The {$21.00} was for membership in Experian after a free trial of one month. 

I did not ask for or sign up for membership and did not ask for credit score or all XXXX reports, they were just there. No joy from Experian. I vented my frustration and anger on XXXX and found a wealth of others with the exact complaint. 

This complaint seems to be a common practice and is designed to charge the public a lot of extra money ; even should it be not technically illegal. 

I want justice, I want the practice stopped. People should be told plainly, what they will be charged if they get the credit score number and if they should look at the other companies.
Product: Payday loan, title loan, or personal loan

Lender stated that application will not affect credit score and only a soft inquiry will be done. While loan was declined, an immediate hard inquiry showed up on my credit report. I immediately contact them and told them that it was not noted on their disclaimer. The only things noted were soft inquiry and that loan will not impact credit. My credit is already score dropped one point on the same day.
Product: Student loan

Student loan servicer, NAVIENT, is misapplying student loan payments and failed to conduct an investigation. 

1 ) Auto-payments are not being properly distributed among the loans. I have 3 Direct loans and 2 Direct Grad Plus loans serviced by Navient. I am on the regular repayment program using auto-pay to automatically deduct my fixed monthly payment from my bank account. My auto-payment is {$1400.00} per month. Of this amount, {$400.00} is a fixed amount that should be applied to the highest interest rate loan. On at least two occasions ( the XXXX and XX/XX/2019 autopayments ) Navient applied less than the fixed amount to the highest interest rate loan and shifted payment to the lower interest rate loans. In XX/XX/2019, no principle whatsoever was paid on the highest interest rate loan by the auto-payment. 

2 ) Navient failed to conduct an investigation or respond to my concerns. On XX/XX/2019, I called Navient and spoke to a representative regarding payments. I was told that an investigation would be opened and I would be emailed written report detailing how auto-payments and overpayments to the highest interest rate loan were applied. I was told that the report would be emailed within two to three business days. I did not receive any emailed or written report. 

On XX/XX/2019, I called Navient and spoke to a different representative. I was told that the first investigation was concluded, no report was emailed or mailed to me, and that no changes had been made to my account. Again, I requested Navient investigate why the auto-pay was not applying the correct amounts to the highest interest rate loan and instead paying principle on lower interest rate loans. I again requested Navient investigate that all payments were properly applied over the life of the loan. I was told there would be an investigation and that I can expect a written report delivered by XX/XX/2019. 

Because Navient 1 ) failed to properly apply payments, and 2 ) failed to investigate and report on misapplied payments, I am filing this complaint. As a consequence of this failure by Navient I may be forced to overpay by thousands of dollars over the life of the loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account : XXXX XXXX / XXXX XXXX XXXX XXXX Account : # # # # # XXXX Not my account *** Delete it immediately *** XXXXXXXX XXXX Account : # # # # # = {$870.00} Not my account *** Delete it immediately *** Inquiries : XXXX XXXX, XXXX XXXX Never Authorize - *** Delete it immediately ***
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. The accounts that I have marked as inaccurate are XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

1. Midland Bank XXXX Not mine Date reported XX/XX/2020 2. XXXX XXXX Balance should be XXXX. XX/XX/2020 3. XXXX  XXXX XXXX XXXX Balance should be XXXX XX/XX/2020 4.  XXXX account closed no late payments XX/XX/2020 5. XXXX XXXX  XXXX not mine please remove XX/XX/2020 6. Chapter XXXX bankruptcy XXXX XX/XX/2020 account is not mine. Why was this put into my account remove Bankruptcy from my report
Product: Debt collection

I have requested information from rent recovery regarding this collection and have received no response. 

This debt does not belong to me. As I was involved in a XXXX XXXX situation with my ex husband at the time I lived there in XXXX of 2022. I filed a police report with the XXXX XXXX XXXX department for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My daughter and I were in a XXXX XXXX XXXX and I moved out XX/XX/2022. Per XXXX XXXX XXXX XXXX I vacated the property without a written notice. I notified XXXX at the XXXX XXXX XXXX XXXX in XXXX of 2022 They were instructed to remove me from the lease and I provided them with the police reports. My ex husband was obviously still living there, but was not to contact me. XXXX from the apartment complex assured me due to the XXXX XXXX XXXX XXXX XXXX  I would be removed from the lease. I was not notified of any amount owed or the eviction my ex, because I wasn't living there nor was I on the lease any longer. 

This is NOT my debt owed, and I want this removed immediately from my credit report. 

Ive included a letter that I recently received from Rent recovery for your reference of account information Ive also included the police report of the XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm a victim of identity theft, pursuant of section 605B. You must remove the fraudulent inquiries : XXXX XX/XX/2022, XXXX XX/XX/2022, and XXXX XX/XX/2022.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
XXXX XXXX BALANCED {$6900.00} XXXX XXXX XXXX BALANCED {$26000.00} XXXX  XXXX BALANCED {$14000.00} XXXX XXXX XXXX XXXX XXXX XXXX  XXXX BALANCED {$1200.00} XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX  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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been having issues with the 3 credit agencies removing inaccurate accounts from all 3 of my credit profiles. For example recently a collection just posted to my credit reports and I disputed it with them and XXXX has completed the investigation in 2 days and deleted it off my profile but still having trouble with the other agencies. Then I had another account from XXXX XXXX XXXX that I paid off and actually entered a lawsuit and won monetary compensation but the account is still showing up on one of my credit reports even though it was removed off others
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous.The 3 credit Bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below XXXX 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

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX 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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions