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

reviewed my Consumer Reports and noticed that there was an inaccurate account ( s ) on my credit report XXXX XXXX XXXX. Along with XXXX TransUnion and XXXX are reporting these unauthorized inaccurate accounts : Account : XXXX XXXX XXXX. 
Account number : XXXX Opened : XX/XX/2023 Account : XXXX XXXX XXXX Account number : XXXX Opened : XX/XX/2023 Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with maximum accuracy. I contacted XXXX, XXXX, TransUnion and asked for them to investigate & remove the inaccurate account from my consumer report that they are illegally reporting and I requested specifically the alleged original application bearing my signature and they have not been able to provide such proof to me. This is a violation of the Fair Credit Reporting Act, and these disputed items may not appear on my credit report if they can't be verified by any evidence or proof.
Product: Debt collection

On or about  XXXX  I contacted _express recovery__. Regarding a debt I was told I had on my credit report. They said it was a medical bill I received while visiting utah, during  XXXX . I had insurance at that time that paid my medical expenses. I told the woman the report said I owed {$2.00}. She stated I owed due to interest. I told her I would pay the original amount only due to the fact I just became aware the insurance had not completed payment. She said she would settle for half the interest if I sent the check. I needed verification and did not receive any. Later on in  XXXX  I received a call stating I owed and I told her of the phone call and agreement I told her to speed the process send letter via email. The woman accused me of knowing about debt and i said ye s 2 week  's ago when i called. When I opened the email today  XXXX   XXXX  the payment agreement was not what was told to me. It did not disclose the original debtor, or the amount on my report.She had tried to say the payment plan was due the same day as the letter and I was to pay the balance of interest. NOT THE AGREEMENT I MADE! The letter does not state an account number.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax mishandled my personal information including Name, Social Security #, Address, Birthdate, etc. resulting in a data breach in XX/XX/XXXX2017 that they confirmed I was affected by per their " Potential Impact '' site www.equifaxsecurity2017.com. 
They have put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties they are responsible for up for " trial periods '' of their ID protection services. 
They are simultaneously defrauding these injured parties with hidden terms of service that waive their right to sue the company in what is clearly a situation of criminal negligence/fraudulent behavior as indicated by the three Equifax executives that dumped stock immediately prior to the data breach announcement.
Product: Credit reporting

Experian is reporting XXXX bankruptcies that they state they have verified. They have the wrong address and phone number for the BK court of NJ. How can this inaccurate information be verified properly if they have wrong contact info. Furthermore I contacted the BK courts and no one from Experian called to verify. or have contacted them in any manner.
Product: Checking or savings account

On XX/XX/2022 I deposited my payroll paycheck into my local TD bank ATM. The ATM said in XXXX Business days funds would be available. Today XX/XX/XXXX I tried withdrawing funds only to be denied with a message that said insufficient funds. I then went into the TD bank and spoke to a XXXX and I was told there is a 6 day hold on my payroll paycheck. I work to hard for my paycheck to be held. I want to file a claim and recover my funds.
Product: Credit reporting or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

I XXXX XXXX XXXX submitting a complaint against Sendwave company money remittance I send the money on XX/XX/year> XXXX to my bank account in the XXXX  XXXX did not recive the money i send {$1500.00} usd and only {$1000.00} i receive and then they trying to trick the consumer. {$500.00} it says not deliver and i send it again says deliverd and they told me not deliver but they debited into my bank. please help me to take action againts send wave because they are scam.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been looking at my credit report and it was brought to my attention that there are several errors and fraudulent accounts that I have no contracts with these companies. I do not recall doing business or applying for accounts with the following : -CAPITAL ONE BANK USA NA XXXX XXXX -XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -XXXX/DEPT OF ED XXXX  XXXX XXXX/DEPT OF ED XXXX XXXX
Product: Credit reporting or other personal consumer reports

It is crucial that consumer reporting agencies uphold their grave responsibilities when it comes to the handling of consumers personal credit files. After performing a re-investigation upon my credit file for accounts XXXX XXXX XXXX  XXXX pursuant to 15 USC 1681ia1a, your company failed to follow proper procedures in regard to correspondence to me the consumer, in the handling of the reinvestigation. As clearly outlined within, 15 USC 1681i ( 7 ) ; 15 U.S. Code 1681i - Procedure in case of disputed accuracy Subchapter 7 states the following ; ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a detailed description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. Further outlined within 15 USC ( 6 ) ( B ) ( iii ) ; ( 6 ) Notice of results of reinvestigation ( A ) In general A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than XXXX business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency. ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. The correspondence mentioned above was NEVER made to me and therefore, your company is in direct violation of the FCRA and is now liable for monetary damages detailed within 15 USC 1681n and 15 USC 1681o. Not only was a proper reinvestigation not performed as the derogatory account mentioned is erroneous to begin with, your agency failed to follow the FCRAs clear rules in the handling of correspondence to me in association with the account in question. Please delete this erroneous account as I have sought legal counsel in this matter and intend on seeking damages associated with this complaint if this issue is not resolved. Thank you for your time.
Product: Checking or savings account

Cashing a check I submit power of attorney and certification of endorsement as requested by the bank. 
The manager of the bank kept telling me everything was fine. After several trips to the bank over a two months period the bank told me they will return the check to me. 
The check is issued by Santander and I am trying to cash or deposit the check in a Santander account. 
I have been dealing with the branch on XXXX XXXX in XXXX NJ. 

Check amount is XXXX. 

I explained to them they are causing hardship to my family by refusing to cash their own check. They never explained their action. A branch manager simply said that was their final resolution. Once I receive the check, I will be in possession of a check that is as good as piece of toilet paper. That was hard earned money that was deposited in Santander bank. 
Please advise
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent letters to dispute items on my consumer report to XXXX XXXX, AND XXXX, the investigation took well over 30 days
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently, I did an investigation on my credit report which caused XXXX  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 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 privacy 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: Payday loan

I contacted the above ceditor ( Big Picture Loans , LLC ) via email on XX/XX/2017 informing them of an unexpected permanent financial hardship and requested a settlement agreement on the account without accruing any additional interest past XX/XX/2017. Due to the financial hardship, my checking account is negative and will be closing. I received several emails from the creditor however they wanted the past due amount ( the interest and principal due that day and would not stop the interest from accruing ). After unsuccessful attempts to resolve the matter via email, I contacted the creditor and spoke with the resolution department on XX/XX/2017. They informed me that they were unable to provide a settlement agreement. After the conversation on XX/XX/2017, I emailed the creditor and request a " cease and desist '' of all communication and correspondence except for email to resolve the issue or United States Postal Service. I received an email response on XX/XX/2017 stating they were currently reviewing my account and would contact me for a resolution. Likewise, I received a settlement offer XX/XX/2017. 

My complaints are as follows : Complaint # 1 : I contacted them on XX/XX/2017 to explain permanent financial hardship and requested a settlement offer. After numerous communication efforts, they finally approved a settlement offer on XX/XX/2017.Therefore, accruing additional interest on the loan from XX/XX/2017 through XX/XX/2017. The amount was {$600.00} principal balance and {$350.00} interest, total payment of {$950.00}. If the account had been settled in a timely manner ( the interest would be only about half of the above amount ) Complaint # 2 : The payment due date on the payment schedule on the settlement offer are either on my pay date or the day after I get paid. The only options for payments are electronic debits ( ACH, RCC, post dated checks ) from bank account or mail in payment. The electronic payment is not an option due to the current checking account situation and the account is approaching closing at any day. Therefore, I would have to mail in payments. It would be impossible for payments to be received by the due date. 

I have sent several emails replying to the settlement offer in respect to the above complaints. As of today, I have not received a reply or response from the creditor. I am required to send a reply of " I agree '' to the terms of the settlement offer by XX/XX/2017. Or they would send account to resolution department for further collection.Due to these unresolved complaint issues, I am unable to agree to the full terms of the settlement offer. These issues would hinder my ability to successfully complete the settlement offer. Likewise, my intentions are to repay the debt but under more fair debt collection practices.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX Consumer Social Security Number : ( Private SSN ), Consumer Date of Birth : ( Private DOB ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal loan account opened at XXXX {$15000.00} an auto loan account opened at XXXX XXXX {$13000.00}, and a collection account opened at XXXX. XXXX XXXX XXXX on XXXXXX/XX/XXXX with a balance of {$710.00} that appears related to the aforementioned Fraudulent accounts. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit card or prepaid card

I have made payments for the past following months for my account ending in XXXX. The first payment was made on XX/XX/XXXX for {$30.00}. They said they never received the payment but it was withdrawn out of my account. I had to go to the bank and get a letter saying I did pay it. They never took the amount off of my account. I then made a payment on XX/XX/XXXX for {$78.00} which again was never taken from my account balance. I made a payment on XX/XX/XXXX for {$130.00} and XX/XX/XXXX for {$29.00}. Again, none of this payments were applied to my account balance and Synchrony Bank is stating that I have not made any payments to them since XXXX. I have receipts and confirmations for all of these payments. They have since then destroyed my credit and have yet to fix anything.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXXXXXX was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments 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 XXXX  days before the payment due date. 


XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT CREDIT REPORTING ACT. THE LIST OF ACCOUNTS BELOW HAS VIOLATED MY FEDERALLY PROTECTED CONSUMER RIGHTS TO PRIVACY THEY HAVE VIOLATED MY RIGHTS 15 U.S.C 1681 section 602 A. States I have a right to privacy. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 604 A. Section 2 : Its also states that a consumer reporting agency can not furnish a account without my written instructions.

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 information, 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 information relating to a consumer to any consumer reporting agency if the person knows or have reasonable cause to believe that the information is inaccurate. THEY HAVE VIOLATED MY RIGHTS 15 U.S.C 1681 section 602 A. States I have a right to privacy.
Product: Debt collection

I am sending this complaint because I need to express that I am a victim of UNFAIR BUSSINESS PRACTICES that BBVA is committing against my consumer rights. They are reporting a late payment on XX/XX/XXXX. This is happening only in one credit bureau. This means that they are reporting inconsistencies across bureaus. 

I want to explain the reason of this late payment. My income was affected due to Covid-19. They said theyd remove and then they gave me run around. This situation has been very difficult for me and my family. My credit score and mental health has been highly affected because of this issue. 

I am requesting this late payment or the entire account to be removed from my report as a compensation for all the damages to my credit score and the emotional stress that I have been through. 

The account information is the following : account number : XXXX, opened on XX/XX/XXXX, credit limit : {$700.00}. 

Thank you.
Product: Checking or savings account

Hello, After several failed attempts to contact and or resolve several disputed amounts on my company issued debit card I have had no luck resolving with the XXXX XXXX. Someone made several fraudulent purchases with my debit card amounting to XXXX from dates XXXX. I picked up a second job during the covid pandemic to support my family as I lost my job when the pandemic happened and these fraudulent purchases went unnoticed until i went to pay my mortgage the following month. XXXX has refunded me {$100.00} out of the total requested and after asking several times for communication and more insight I have received nothing. I submitted the dispute on XX/XX/2020, blocked the old card and received a new XXXX. I was hoping to receive some help or guidance on how to handle this as I can't get anywhere with them. Thank you for reading.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is related to my existing complaint ID ( XXXX ) pertaining to the same credit card in question, which has since been closed. Among the attached documents is a screenshot of the text message I received from Synchrony following an armed robbery and assault with a deadly weapon in which I was a victim. Two transactions were from XXXX and a third was from XXXX. I have inquired about these transactions from Synchrony last year using my current cell phone number ( included in the original dispute letter, which I also attached ) but have not been able to receive any information over the phone pertaining to the users of my credentials. I am hoping this complaint warrants a deeper investigation so that we can track down all relevant transaction data including IP addresses ( and the types of items attempted to be purchased ) and a delivery address from the XXXX Transaction. I was told by XXXX that they were not able to retrieve any further information since the transaction was declined. I am certain that Synchrony 's Information Technology or other related department can get the information I am requesting. Any information obtained would need to be a hard copy sent to me either through email ( if possible ) or to an address I can later send to you since my timeline in my current residence is not certain. This evidence is requested of my assigned detective so we can move forward with the case and identify a suspect.
Product: Checking or savings account

Worked for a bank now owned by M & T Bank. Requested in XX/XX/2023 that M & T Pension Services send me my funds of {$190000.00} so I could put them in my rollover IRA account. I requested that the funds be disbursed on XX/XX/2023. On Tuesday XX/XX/2023 I received the funds. However, the check was made out to XXXX XXXX and XXXX XXXX and not XXXX XXXX and XXXX XXXX. I am still waiting for the reissued check. I call the service center weekly to find out the status of my check. They claim it was mailed on XX/XX/2023. To date I have not received the check. They will not let me talk to a supervisor nor expedite the new check. 

I planned to invest these funds in a 1 year XXXX 5.25 %. I have lost {$830.00} in interest income by not receiving the check. 

I have lost all hope of receiving these funds and ask for your assistance in helping me procure the funds and the interest I have lost due to M & T 's mistake.