23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

XXXX/XXXX/16 my husband and I traded our vehicle and the payment was upcoming due on the XXXX XXXX of XXXX 2016, however the dealership stated they were paying it off and for us not to make the payment on XXXX XXXX ND 2016. The bank went into our joint savings and withdrew the payment. For XXXX it 's not just my husband 's money it 's mine as well when I called the bank 3 times they did not want to speak with me because I was not on the auto loan. But they still touch my money out of my savings so how do you explain that. However I finally spoke with XXXX or XXXX from collections department, and she understood what happened and stated she would reverse the payment. It is Saturday the XXXX the of XXXX and nothing is back yet. I called again and spoke with a XXXX and gave me attitude and kept arguing with me! I asked for managers and supposedly there was not any asked for a supervisor and he was understandin and explained what was happening with the reverse funds. I need in writing that a loan that only my husband has they have the right to withdraw from a joint account when I 'm not on that loan
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is regarding Tranunion and it's reporting of my mortgage account with XXXX XXXX  XXXX XXXX XXXX. I have submitted countless disputes regarding Transunion reporting of my First Date of Delinquency. They have continuously changed the First Date of Delinquency. THIS DATE DOES NOT CHANGE. It is the marker for the seven year count. XX/XX/XXXX was the First Date of Delinquency with the XXXX XXXX XXXX XXXX XXXX  and their reporting reflects that information. I continued with uninterrupted late payment through XXXX of XXXX. In XXXX of XXXX I met the seven year mark therefore XX/XX/XXXX and all the following uninterrupted sequential late payments should have been removed. 
With my last dispute Transunion changed my First Delinquency Date to XX/XX/XXXX stating their decision was based on the Statute of Limitations. Please use some commonsense when reviewing this decision. If late payments are coming off of my report because they have met the seven year mark, ALL THE LATE PAYMENTS ARE TO BE REMOVED. This is based on the Federal Fair Credit Reporting Act. If you are not familiar with the FCRA, the Date of First Delinquency and the removal of sequential late payments, PLEASE REFER THIS COMPLAINT TO YOUR LEGAL DEPARTMENT. You are in violation of law by not reporting this issue correctly and should now consider yourself on notice. I have attached a letter from the XXXX XXXX XXXXXXXX XXXX XXXX reflecting their disapproval with your reporting of the information they have provided you.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX 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. 16XXXX, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions XXXX also contravene the Consumer Financial Protection Act ( XXXXFPA ), 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 XXXX complies with federal law and provides consumers with the necessary proof of investigation.
Product: Money transfer, virtual currency, or money service

I was in a authorized push scam. they pretended to be someone my husband went to school with. and showed me her ID and everything. she asked for XXXX to help and double our money. this would only take 3-5 minutes. well needless to say they never gave me my XXXX because they had upgraded me to a higher amount. and that i had to pay for those tax fees this went on until my payment was XXXX dollars and they took XXXX from us. then they wanted me to buy gift cards and send them the cards numbers then they wanted me to set up a XXXX XXXX account so i did and they walked me through how to send money through that and then they wanted me to send money through XXXX. and then the XXXX  machine and i had no idea what a XXXX  machine was or where to find one at. then she gave me her administration ( XXXX XXXX ) who claim to be with XXXX and he had .multiple phone numbers there are also different wallet ids for the scammers also. I had a lawyer call me and told me if i gave them XXXX dollars they would give us XXXX .then the head of finance for XXXX  called me his name is XXXX XXXX. and tried to get money from us too. they took everything from us. I went to the bank and the bank told me that yes we were scammed but they couldnt give our money back because of the way it was pushed scammed from us. which is completely unfair to us. I do have a voicemail from the lady at the bank telling me that they found a solution to our problem and when i called her back she said that we are not getting our money back. then scammers told me they cant help me if i dont help myself!!!!
Product: Checking or savings account

Been trying to see why I have an overdraft of over XXXX XXXX dollars. So I transferred XXXX dollar I had in savings now my account says its permanently restricted. Captial one cant give me no explanation everytime I call
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit freeze, identity theft hold on my credit profile. Equifax is reporting credit inquiry from XXXXXXXX XXXX/XXXX  XXXX XXXX, XX/XX/2018. I have mailed a request to Equifax to remove, they failed to follow procedure with credit freeze, identity theft on my profile.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 Preferred Credit XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Investment Retrievers 340034 15 U.S.C 1681 section 602 A. States I have right to privacy.

15 U.S.C 1681 Section 604 a section 2 : it also states a consumer reporting agency cannon furnish an account without my written instruction 15 U.S.C 1681c ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of informaiton, other than records of convictions of crimes which antedates the report by more than seven years 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any infomation relating to a consumer to any consumer reporting agency if the person knows or had reasonable cause to believe that the information is inaccurate.
Product: Mortgage

PHH Mortgage reported we were 30 days late on payments dating back to XX/XX/XXXX. We sent bank statements several times proving we have not missed any payments dating back to XX/XX/XXXX. Never got a clear response in writing showing when or where we had missed a payment. This cumulated last year when PHH reported we were 2 months behind on our payments. Once again we sent proof of all payments. PHH refused to produce proof of missed payments and dates of those payments. In XX/XX/XXXX we made XXXX extra payments totaling {$3000.00} to stop the harassment. We still have not received proof that we missed these payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I XXXX XXXX received a response from all three credit bureaus XXXX, XXXX and Experian saying my information was verified. Under law it cant be verified if I never have permission to report. 

Pursuant to 18 USC 8. I owe no debt. This company is violating my consumer rights to privacy pursuant to 15 USC 1681B 2. Company also has NO permission to report ANYTHING using my info pursuant to 15 USC 1681B 4
Product: Credit reporting, credit repair services, or other personal consumer reports

Good day, I XXXX XXXX, have come to the conclusion regarding my three consumer credit reports have been compromised in terms of my identity. Across XXXX, XXXX & Transunion there is fraudulent inquiries posted that I have attached in an attached documentation along with an auto loan that is tied to my name and an address that I have no association with. This has caused me great emotional, financial, and mental distress as this is inaccurate and in factual as I was XXXX XXXXXXXX so it is impossible for me to have taken out a loan for an auto loan. Upon my investigation and research it appears to be I was added to this account I am not the primary holder which explains that the thieves who compromised my identity used me in order to acquire this auto loan. To my understanding I did not offer consent to use my credit in the attached documentation for this auto loan or apply for any applications of credit for the attached inquiries. The Credit Bureaus have neglected to look into this matter so I am reaching out to the CFPB to get these fraudulent matters removed from my credit report as to not cause me any more harm and distress as I have already been through enough.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm XXXX XXXX and I'm having trouble with all of the accounts I'm reporting in the documents attached to this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

Re : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX, SC XXXX I have disputed this collection account before but Transunion has NEVER required this debt collector to submit evidence of the ACTUAL default date. What appears on my credit report is the date they bought the debt, not the date of actual default, which was at least 13 years ago. 

The law clearly states that a debt must be removed from a credit report 7 years from the date of original default, not the date the collection agency bought the debt.
Product: Bank account or service

I logged into my US Bank checking account in the morning, saw pending transactions that required a deposit. I made that deposit, yet the next day an additional transaction was posted that still caused my account to be overdrawn. Because that unseen transaction was processed first, instead of last, US Bank was able to charge me an overdraft. The next day, I follow the same process and make a deposit to cover all pending transactions. Sometime well after I logged in, the overdraft from the previous day is posted to my account, again allowing US Bank to charge me an additional overdraft charge. 

My concern is two-fold. 1. US Bank is intentionally processing transactions in an order that allows them to charge overdraft fees, instead of in an order that is best for their customers. 2. US Bank is not posting their actual overdraft fees until late in the day, after most people have checked their account for the day. This approach allows them to then catch customers with minimal funds with not enough cash to cover that days pending transactions, because of the overdraft fee is processed before any of the pending transactions. Had the overdraft fee showed in the morning, I could have ensured enough funds were in the account to cover that as well. 

Lastly, and maybe most frustratingly, I spoke to XXXX ( employee ID XXXX ) at XXXX XXXX, who when we could n't come to an agreement, refused to escalate my call. He insisted that US Bank did have an escalation line. Then refused to transfer me there, saying they were n't open. When I asked why, he said due to call volume. At that point, I asked for the phone number, so I could call back later and he said that they would not be available at all that day. I asked why, and he refused to tell me. I then asked to be escalated to the next level manager and he also refused to do so. So, XXXX gave me no opportunity to escalate at any time. Either US Bank does not have the appropriate escalation options for their customers, or this employee denied my request to speak to them. He did state that the calls are recorded, so this should be easy to find and review. I was not abusive and did not yell, but I was frustrated and hope this can be addressed. I would appreciate receiving a call from a US Bank representative if possible.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didnt make sure it was reporting 100 % correct.

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 16811i ( 5 ) these accounts are in violation of not reporting 100 % accurate information.

The credit reporting acencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report?

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under USC 1681i ( 7 ) Method of verification - description of investigation procedure RESOLUTION As a consumer. by law my credit report must be made 100 % accurate immediately by the credit reporting agencies updating informations and deleting and accounts In Accordance with the fair credit reporting credit reporting agencies and and the accounts listed have violated my rights. The reporting companies are also not showing the full account number for each associated account. 15 U.S.C 1681 Section 602H states I have the right to p
rivacy 15 U.S.C 1681 section 604 A section 2 also states a consumer reporting agency can not furnish an account without my written instructions There is also a HIPA violation breach, there are XXXX XXXX on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX due a data breach with another service. I contacted XXXX  and informed them of the problem also this as my reason for XXXX XXXX as I could, it access the reports or the the offered free score on line. I confirmed my identity with My full name, address, social security number, home mailing address, my student loans a, car loans, banking information, name of all employment including being owner of a business, I confirmed my bank accounts checking, business and personal. With all the information give. I was advised to respond to a truest with and also go online to a browser. At this point I disconnected the call. I feel XXXX  is discriminatory against XXXX XXXX w in its credit reporting and products or services. I have files over a dozen complaints again XXXX due to my reports being outdated. Zombie debt collection account not being removed. I have also submitted my DL, and social security card as proof of who I am. Yet this is still not enough. The archaic measure that are in place to prevent XXXX XXXX  XXXX from obtaining credit and other financial relief is intended to keep a race of people in poverty. There should, ever be a time where anyone should have to submit massive amounts of information just to GET A COPY OF THEIR CREDIT REPORT AND TO SEE HOW THIS CREDIT AGENCY IS REPORTING THEIR PERSONAL INFORMATION TO THE WORLD. I firmly believe all 3 major credit reporting agencies are discriminatory in its practices against XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/ there was a verified update to my credit report. there was nothing changed as i informed them that there was inaccurate information on my credit report. the following items should not be reporting on my credit report. 
if this account is truly a Charge Off than there should be no past due balance and there should be a monthly Charge Off being reported on my credit report. there should be No continue update the last update was XX/XX/. i am requesting the Method of Verification For the following dispute ( XXXX # XXXX 1. Name of the Original Creditor 2. Creditor address and phone number 3. Documentation used to verify the dispute. 
I ask that XXXX XXXX, Experian and XXXX send to me the following information I know that the investigation was in fact conducted properly. If the credit agencies are unable to forward a response in a timely matter and/or provide XXXX XXXX with the document i am requesting immediately delete the account from my credit report. The three credit agencies has violated my rights under The FCRA
Product: Debt collection

On XX/XX/XXXX a XXXX XXXX registered to me XXXX XXXX was sold to XXXX XXXX ( XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX ) for {$250.00} by the XXXX Police Department at XXXXXXXX XXXX  XXXX XXXX, TX XXXX. This vehicle was reported stolen to the XXXX XXXX Police Department in XX/XX/XXXX of XXXX. The vehicle location and condition was never given to me by either the XXXX XXXX Police Department or the XXXX Police Department and I only known the condition and status of the vehicle by Lien Enforcement Inc. XXXX XXXX XXXX XXXX, FL XXXX when they requested payment of {$1500.00}. Lien Enforcement is threatening to report the amount of {$1500.00} to the credit bureau as an uncollected debt but I never received notification of my stolen vehicle. The sale of my vehicle to XXXXXXXX XXXX XXXX  is unlawful as there was no notification of the condition or location of my stolen vehicle. I am asking consumer financial protection bureau to work on my behalf to dismiss the debt requested by Lien Enforcement Inc and to help me avoid getting this debt reported to the credit bureau to my credit because the process followed did not allow me to work with my insurance company to resolve the issue.
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

The company began servicing the credit card in early XXXX or late XXXX. I had such a problem with the switch over that I called and closed the account in XXXX of XXXX and I have a letter dated XX/XX/XXXX from the company confirming same. I also have a letter from them dated XX/XX/XXXX confirming that there was no balance on the card. Until very recently I have had no contact from the company. In XXXX of this year the company began dunning me ( phone calls ) for an unpaid balance. I also became aware of problems with my credit reports. I called the company and learned that charges had been posted to the account and I replied that the account had been closed for over a year and that any charges were fraudulent. The rep told me the account had been frozen. I reiterated that the account had been closed, that there was no balance, and that I had letters to that effect. Following that call I received a letter dated XX/XX/XXXX from the company stating that the account has been closed and there is a balance of {$71.00}. I called them again, explained my complaint to two reps, was transferred twice and then was disconnected. I then wrote the company a letter spelling all this out and enclosing copies of the XX/XX/XXXX letters and demanding that the dunning cease and my credit reports be corrected. Since then I have received emails from them still trying to collect the {$71.00}.
Product: Debt collection

i was have received multiple letters and emails regarding a collection that has violated my rights and do not owe. I am not liable for this debt to progressive. I have no contract with XXXX XXXX XXXX. i have not given them my written authorization to furnish this on my credit report. i have written them explaining how they have violated my consumer right to privacy by furnishing this on my credit in accordance to 15 us c 1692c they need my express permission to furnish this on my credit. They not received any written or verbal authorization to furnish this on my credit. Also i have sent them a cease and desist letter demanding that the stop any and all forms of contact including on my credit report. In accordance with 15 us c 1692c as well. i have filed a complaint with the better business bureau in regards to this violation. If my rights continue to be violated i will have no choice but to pursue legal action seeking compensation for statutory damages. 

XXXX XXXX ( Original Creditor : XXXX XXXX ) XX/XX/2023 XXXX