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

I XXXX XXXX XXXX have been dealing with a credit bureau ( s ) issue for over one-year. The problem resides in my inability to obtain a credit FICO score on XXXX XXXX and Equifax respectfully. In addition, there are no registered accounts on any of these bureaus except there is account information posted on my XXXX  credit report. There is a possibility that at one time a fraud alert was posted on both bureaus, but that should not block my creditors from posting my account information and payment histories o each bureau. Accordingly, I am requesting a full reinvestigation from each credit reporting agency and each account trade line to guarantee that soon I will be able to have a FICO score with each bureau. Therefore, my complaint is two-fold : 1 ) I request a full review from each creditor to check the status of my account, and to submit to each respective bureau the criteria such as date account opened, account balance, and most importantly account payment history. 
2 ) I request a review from XXXX XXXX and Equifax the reason why there is a block on my bureau information, and a release for each creditor to post the aforementioned criteria monthly. 
XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been a victim of identity theft. I did not Authorize this Account.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a formal complaint reporting the fraudulent accounts I have discovered on my credit file, which have been reported by the three major Credit Reporting Agencies. The following accounts are in no way associated with me. I recently received a copy of my credit report and was shocked to find several accounts that I did not open and have no knowledge of. After conducting research on how to remove fraudulent accounts from my report, I learned that I need to visit the Federal Trade Commission ( FTC ) or their website at XXXX : XXXX to file a report. According to the Fair Credit Reporting Act ( FCRA ) section 605b, Credit Reporting Agencies are required to remove or block any accounts listed on an identity theft report. I have neither received any money, goods, nor services as a result of this fraud, nor have I authorized these accounts. Therefore, I urgently request that these accounts be promptly disassociated from any affiliation with me : XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX : {$610.00}. According to FCRA Section XXXX ( a ), the Credit Reporting Agencies are required to block any information in the file of a consumer that the consumer identifies as information resulting from an alleged identity theft. This blocking must be done no later than XXXX business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Whom It May Concern : I received a copy of my credit report and found the following Item ( s ) to be in error : Please delete the following mis-reporting or not proven compliant, alleged information found on my credit report. 

{ Inquiry Creditor Name, Inquiry Date ) XXXX  XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX Experian XXXX XXXX  XXXX XXXX  XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX Mortgage Reporters XX/XX/XXXX Experian XXXX Personal Loan Companies XX/XX/XXXX Experian XXXX XXXX Bank XXXX XXXX XX/XX/XXXX Experian I did not authorize or sign for any of these inquiries and by the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove and information that the creditor can not verify. I understand that under 15 U.S.C. Sec.16811 ( a ). You must complete this this reinvestigation within 30 days of receipt of this letter.

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this update report. I also request that you please send notices of the corrections to anyone who received my credit report in the past six months.
Product: Credit reporting, credit repair services, or other personal consumer reports

One Main Financial improperly used my credit information from XXXX XXXX and placed a hard inquiry on my credit report for a loan I didn't apply for. I reported this fraudulent attempt to XXXX XXXX who never contacted me. I opened a dispute with One Main Financial which hasn't been resolved. I have frozen my credit accounts and need the hard inquiries removed from my XXXX and XXXX accounts.

One Main requested additional identifying information for the fraud dispute and then used my personal information to process and decline the fraudulent loan application.
Product: Debt collection

JEFFERSON CAPITAL SOLD ZOMBIE DEBTS TO XXXX AND VIOLATED THE DODD FRANK ACT.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my reports, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX, XXXX and TransUnion was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified items without any proof provided, within the time allowed by law, is not authorized. The following items listed below are still presenting on my Credit Reports and need to be corrected immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : {$1900.00} XXXXXXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX XXXX Balance Owed : {$2.00}
Product: Debt collection

This account was settled today for {$3500.00} and this matter needs to be closed at Citi bank and closed on my credit report. Please leave this CFPB complaint open until both things have happened and my credit report is reflected of this change.
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive been trying to dispute this account 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 Balance : {$8.00}, XXXX XXXX XXXX Balance : {$8.00}
Product: Checking or savings account

On XX/XX/XXXX I used a Bank Of America ATM and selected to withdraw {$1000.00}. Upon dispensing the funds, I was only given {$200.00}. I immediately called the number on the back of the card and I was told they'd look into the matter. I never heard back so on XX/XX/XXXX I went into the branch and was told they couldn't do anything for me and to contact the number on the back of the card again. Since then I have reached out several times ( XX/XX/XXXX, XXXX, XXXX, XXXX ). When I spoke to them today ( XXXX ) I was told they closed my inquiry because them ATM log shows the ATM dispensed the full {$1000.00}. I asked if I could speak with someone else or another department, but he said even if I called back the answer would be the same because their investigation was concluded. I do not feel this is fair. I work hard for my money and am not lying. I was not given the opportunity to escalate this further, nor was I provided proof of their findings. 
Please help! {$800.00} is a weeks pay. 
ATM transaction # XXXX ATM ID # XXXX
Product: Debt collection

I am getting bills and letters and now on my credit report from XXXX XXXX XXXX and CAPIO PARTNERS LLC. This collectors are apparently for XXXX XXXX. This who the debt was with. These 3 accounts were paid.
Product: Checking or savings account

I think my bank is charging to many overdraft fees. This needs to stop. It puts you in a hole you can't get out of. They won't wave any of my fees. This is us bank
Product: Debt collection

I had a Line of Credit for {$20000.00} with Beneficial of Florida and 5 years ago I stopped the monthly payments because I was renegotiating with them a Mortgage for my House. I  XXXX  of  XXXX  I renegotiated the Mortgage and in  XXXX  of the same year I received a Law Suit from  XXXX   XXXX  and  XXXX   XXXX   XXXX   XXXX  to collect the total amount of the Lines of Credit through its Attorneys  XXXX  and  XXXX . I answered the Law Suit saying I did n't have any  XXXX  with  XXXX  and I had never received a Notification from Beneficial informing that my account had been sold.   After one year they filed a Motion to Mediation but they did n't give me the opportunity to choose the Mediator and did n't follow the Procedures of the  XXXX   County Court to  go to Mediation. The day of the Mediation I attended the meeting but I told them that I wo n't participate because the irregularities they had done. At the beginning of this year there was a hearing in  XXXX ,  XXXX   County Court, wh ich was not attended personally by  XXXX  and the Judge accepted an Order to compel to mediation by  XXXX   XXXX ,  XXXX .
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/year> I received an email and a text telling me I had opened a XXXX XXXX  account. I had never heard about self incXXXX let alone set up an account. Someone has stolen my identity and opened an account in my name. I called the only number listed and after providing my information the representative told me he canceled my account. I asked to speak to someone to find out what information the identity thief used to open an account. I wanted to know how this happened as I never verified an email or phone number. I wanted to know if someone needs to submit any type of photo identity to open an account. I wanted a letter stating that 1 ) The fraudulent account is not mine. 2 ) I am not liable for the account. 3 ) It was removed from my credit report. I asked to speak with someone who could help me and the customer service agent said he did not have any way to contact someone in the " back office ''. There was no email or phone number he could provide. All he could do was send a message and someone would get back to me within XXXX business days. I later received an email from XXXX. It stated " the account is valid and reporting correctly ''. The e-mail did not provide any way to follow up, no email and no phone number. I called again and went through the same process to try to talk to someone. Again I received an email that stated " we have completed the investigation and determined the account is valid and reporting correctly ''. Again there was no way to have a conversation with anyone from the bank. As it stands self continues to consider my account a valid account and they have shown no interest in recognizing the fraud occurred or helping me understand how it occured. They have also not shown any interest in helping me understand what information they have.
Product: Credit reporting or other personal consumer reports

What Happened : XXXX. XXXX XXXX  XXXX Reporting Error : In XX/XX/XXXX, I attempted to modify my autopay settings to ensure timely payment, but XXXX mobile app misrepresented the status of my payment as successful. This was incorrect due to insufficient funds, and I was not notified of the failed transaction until weeks later. 
Upon discovering the issue, I immediately made a manual payment on XX/XX/XXXX, covering the missed XXXX payment and bringing my account current. Despite this, XXXX reported my XXXX payment as 30+ days late to the credit bureaus. 
I provided evidence, including app screenshots showing the misleading payment confirmation, communication records, and proof of my immediate corrective actions. XXXX has repeatedly refused to acknowledge the apps technical failures or correct the reporting. 
XXXX Credit Bureaus Failure to Investigate : I submitted disputes to Experian XXXX XXXX XXXX and XXXX XXXX However, none of the bureaus conducted thorough investigations, as they simply deferred to XXXX inadequate responses. 
Despite the detailed evidence provided, all three bureaus returned the same unsatisfactory results, with no changes to my credit report. 

Why This is an Issue : This late payment report is inaccurate and has negatively impacted my credit score and financial standing. 
The failure of XXXX to address the issue and the lack of proper investigation by the credit bureaus have compounded the harm caused by this error. 

My Actions : I have submitted disputes to XXXX and all three credit bureaus and provided substantial evidence, including screenshots and communication records, to support my claim. 
XXXX has dismissed my concerns, and the credit bureaus have failed to properly investigate the matter.
Product: Checking or savings account

On Saturday, XX/XX/XXXX I went with my boyfriend to the Wells Fargo branch located at XXXX XXXX XXXX XXXX XXXX, CA XXXX around midday to make a cash deposit. Since I did not make the bank business hours ; I then proceeded to deposit the cash through their ATM. The ATM only taking up to 30 bills at a time ; I did two transactions. The first transaction I inserted thirty, {$20.00} bills, equaling to {$600.00}. The first transaction went fine. So I went ahead and proceeded to insert the second batch of thirty, {$20.00} bills. The ATM miscounted the money the second time. It only read {$400.00} rather than the {$600.00} I inserted. There are only two options after it counts the money ; which are, to confirm or to cancel transaction. Since the amount was incorrect I chose to cancel the transaction thinking it was going to just return me all the cash to re-insert again. But to my surprise, the ATM only returned me the {$400.00} rather than the {$600.00} I inserted. Right there and then I called the customer service number on the back of my debit card to let them know the situation, they said they would get back to me within 10 business days. Going back and forth they weren't able to solve my issue. Till this day I have not received my missing {$200.00}. I call the branch manager, Mr. XXXX and I always get the " He's with a customer, he's on the other line, he's not here '' leave my number but never get a call back. I've been a customer with them since XXXX and its really frustrating how they simply cant resolve my issue. I have my boyfriend that could testify that all this information is true. I truly hope this can get resolved. Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX XXXX XXXX XXXX has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat c payment on a credit card account under an + open end consumer credit plan as late for any purpose.
Product: Debt collection

XXXX XXXX Revolving account with account # opened on XX/XX/year> and a balance of {$140.00}. 
I previously disputed this account stating : " I don't remember ever being late with a payment on this account. Please provide statements and records of all payments made and missed since I opened this account. ". I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account. 
Collection account from XXXX with account and a balance of {$4300.00}. The original creditor is XXXX XXXX XXXX. 
I previously disputed this account stating : " I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. ". I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof that this debt collector has a legal right to collect, or delete this account. 
Please reinvestigate these matters and delete or correct the disputed information as soon as possible. Thank you for your assistance. 
I personally signed and sent this letter.
Product: Debt collection

This company calls my cell phone 2 times a day and my work number once a day and they also send emails - it never stops. I told them that I mailed my first payment to the address on the CONTRACT, which I signed and they told me it was not the correct address and harassed me to pay over the phone - the address is indeed the address where their call center and headquarters are located and the only address on the contract. 

This company is a loan company that lent me {$3700.00} which I needed for my husband 's funeral expenses. Then the first payment was due in less than one month from the funding date and they tried to draft that amount from my account without my permission. Which caused overdrafts in my account.

I repeatedly told them never draft the funds from my account- I will mail a check and not to call me at work or on my cell phone because I am working and I told at least 7 different people the address and amount of the payment I mailed and they would NOT stop calling me.
Product: Debt collection

XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX TO WHOM IT MAY CONCERN : Dear Equifax , This is to notify you that according to my consumer demand to have no derogatory information revealing unless it is, as required by laws, proven completely to be true, correct, complete and certified compliant in detailing of that defamatory or potentially any part of it. I demand immediate erasure of any not testimonially genuinely verified certified all things considered. 
To the responsible party in question, you the credit reporting concerns of non-compliancy : It is illegal and immoral to hold or report deceiving or dubious data, particularly considering a created consumer complaining and information you of said issues, so please delete the accompany incriminating and wrongfully revealed inaccurate information at the very moment. 
These items are reported inaccurately : Derogatory Remarks/Collections/Accounts XXXX XXXX. XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX. XXXX XXXX XXXX {$1600.00} XXXX XXXX XXXX. XXXX XXXX XXXX {$1800.00} XXXX XXXX XXXX. XXXX XXXX XXXX {$10.00} XXXX XXXX. XXXX XXXX XXXX XXXX {$0.00} XXXX Unauthorized inquiries XXXX. XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX. XXXX XXXX XXXX
Product: Credit card

My Complaint is against Synchrony Financial I believe strongly that Synchrony Financial is falsifying my XXXX Accounts with both XXXX XXXX & QVC regarding Late Fees and interest charges.It appears that Synchrony is also misleading both myself and CFPB when it comes to refunding the Late Fees & Interest Fees.This months Bill reflected XXXX Credits in the amount of {$70.00} for Late Fees than turned around and reapplied another Late fee XXXX the Minimum Payment along with the {$70.00} that was suppose 2 be credited Back so the way I see it Synchrony never went into their system 2 remove the Late Fees which now stand @ {$140.00} .Now for the past 2 months I have sent 2 Dispute Forms 2 Synchrony disputing their fraud and they are still doing the same Fraudulent act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called TransUnion/XXXX after I purchased a credit report with XXXX  on XX/XX/2022. After receiving a copy of my report, I saw there's still an UNVERIFIABLE item on my personal profile I sent a letter to the 3 credit bureaus on XX/XX/2022. I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT and hoping that these accounts ' late payments must be verified : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

It is enshrined in the annals of the Fair Credit Reporting Act, under the category of 15 USC 1681 section 602 ( a ), that consumer reporting agencies have the solemn duty of guarding the fairness, impartiality, and respect for consumer privacy in their line of work. In this scheme of stakeholders, esteemed institutions such as XXXX, Transunion and XXXX operate as consumer reporting agencies and I, the undersigned, fall under the category of the consumer. 
XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$1100.00} XXXX XXXX Balance : {$1700.00} XXXX XXXX  XXXX XXXX Balance : {$5900.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XX/XX/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 XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Mortgage

At the end of last year, I requested from Citizens One XXXX XXXX the ability to do my own escrow of taxes and insurance. I was told on the phone call that something would be mailed to me at my home soon as that information could not be provided over the phone. I then received an e-mail telling me it would take 30 days and there would be a fee involved. I have filed a XXXX complaint but XXXX just told me the company is not responding. I have been in contact with XXXX XXXX of Citizens but so far nothing has been done. I have requested a copy of their escrow policy to make sure I'm getting what other customers get but so far nothing received. I can forward all the e-mail correspondence if you need it. I want to be released from escrow without a fee and I want Citizens written policy on release of escrow to make sure I'm being treated as all their other customers.
Product: Credit card or prepaid card

i signed up for autopay on the capital one company website back in 2015. At no fault of mine the company website was experiencing some problems and though it showed that the process was complete it really did not go through. Once I found out my next payment was not paid, I called capital one for a solution to the problem. They had me reapply for autopay with a rep to confirm it via telephone and they apologized promised me that they would not report it late on my credit profile. Capital One has consistently reported me as having a 30 day late payment on my credit since this occurrence. Ive called them At least 15 times of the past few years and they continue to not own up the their promise. This is horrible service and affecting my credit eligibility. This should be illegal, a verbal promise is a verbal contract and should be honored.
Product: Checking or savings account

My wife asked me to send a contractor {$1100.00} via XXXX. I accidentally entered the wrong phone number & sent the zelle transfer. After less than 1 hour we realized we sent the money to the incorrect number. Immediately I called Bank of America who transferred me to XXXX customer service. XXXX customer service filed a formal claim. The claim was denied a day later. We did try to contact the person we incorrectly sent the money to, after they realized they had free money they blocked my cell # & my wife 's cell #. I tried to contact them from my office phone & they hung up & blocked my number. So I am not able to get in touch with the person I accidentally sent the money to.