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

1XXXX  XXXX XXXX XXXX points on my Equifax credit report unfairly and inaccurately. All Accounts removed are being deducted from my general score this is wrong. Accounts balances reported as decrease is deducting reports. This is wrong. Accounts with no status being reported is deducting points. 
2.XXXX XXXX reporting removed accounts as still open by not removing the account. 
3XXXX XXXX XXXXs not reporting all the accounts accurately. Accounts are being reported close as open. Closed accounts must be deleted. Closed accounts are paid in full. Please remove the accounts that are placed in different areas on Equifax.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2015 I hired a contractor to perform a very small ( 3-4 hour ) job at one of my rental homes. I met the workers in the late morning and let them in the home. Several days later, I contacted the contractor to arrange payment and was told that they were finishing up the work at that very moment. I told them that was impossible because my job only supposed to take one afternoon. I was told that additional work beyond what I had requested was performed. I told them that no additional work was requested or approved. I was told that the company owner would contact me to discuss. In spite of calling him several times and leaving messages, to date, I have never heard directly from him. Eventually, I received a bill for approximately {$2500.00} more than the job should've cost based on information gathered from other contractors. Upon reviewing the documents included in the bill, I discovered that the contractor claimed to have performed much more work than they were hired to do. They justified all of this extra work by presenting work orders signed by my tenant. I asked my tenant about this and he said that the contractor told him that I had requested this work and that it was ok for him to sign for me. Of course, this was not true. In fact, I never signed anything related to this job whatsoever. The contractor 's documents even attempt to assert that the job was related to an insurance claim with XXXX XXXX XXXX XXXX. I have never insured this property with XXXX XXXX and the original job I requested was in no way related to any insurance claim. I sent a check to the contractor in the amount that his competitors indicated they would've charged. The contractor refused to accept my check as payment and eventually turned me over to collections. Upon hearing from the collection agency, I referred them to my attorney and have heard nothing more from them. In XX/XX/2015 this collection showed up on my credit report. I contacted Equifax and disputed it. I provided all of the various documentation clearly showing the signature of my tenant on the work orders. I explained the entire situation and that obviously, my tenants are never authorized to obligate me to pay for work performed by contractors. Equifax responded by allowing the collection to show up on my credit report in spite of clear and overwhelming evidence of fraud committed by the contractor. It seems clear to me that Equifax is catering to the entities that pay them rather than the ordinary consumer that is harmed by them.
Product: Checking or savings account

My mother passed away in XXXX of XXXX. I went to the bank with my mother after my father passed away in XXXX of XXXX so that I could be added to her checking and savings account. I managed my mother 's finances for several of the years following my father 's death ( I wrote checks, made deposits etc. ) and was never advised that I was not on the account. After my mother 's passing and all of her bills were paid, there was XXXX left in her checking account. I attempted to close this account at two different branches. The first branch ( XXXX, OH ) told me I could not close the account because I was not on the account. I had my mother 's death certificate with me. I couple of months later I received a notice from the bank that the account was going to start to be hit with fees. I then went to the XXXX OH branch where they told me I had to make an appointment to close out this account. I went back a couple of days later and met with an associate and I explained the situation and I provided my mother 's death 's certificate. The associate told me she would contact me if there were any issue with closing the account. I heard nothing. After that date my mother 's statement came with DECD after her name but the account was still open ( with XXXX in it )! In XXXX a {$3.00} Check Images Statement Fee was assessed to the account and funds were transferred from somewhere??? to cover the fees. Additional fees were assessed in XXXX. Around XX/XX/XXXX I received a statement for XXXX where I saw all of these transactions. 
I then called their customer service line and was told that the transfer was coming from a Line of Credit which was actually an overdraft protection account. At that time the agent advised me that I was on the overdraft protection account but not on the checking account. How is that even  possible???? The agent then told me, I had to send a letter to a different department ( Channel Services-Notice of Death Team ) to close the account. She also told me that there was a copy of my mother 's death certificate on file. I mailed this letter in XXXX of XXXX. I was also advised that the Line of Credit statement was being mailed to an address that I lived at over 7 years ago. I never received any contact or letter back from the bank after I sent the letter. 

In XXXX I received a late notice and a threatening collection letter from the bank for the overdraft account. I called the collection department and was advised flat out that they could not help me. He said he has no idea why anyone would tell me to send a letter because an account can only be closed at a branch. I refuse to make another trip the the branches as they show absolutely no interest in closing out accounts!! I have wasted hours of time to get this account with XXXX XXXX left in it closed. It's ridiculous. 
My final straw was this week when I Late payment was added to my credit report by the bank!! My credit score was well over 800 and now it is not. This must be corrected ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 and XX/XX/2021 I sent dispute letter regarding certain collections and I have yet to receive and documentation regarding these accounts. They have failed to provide proof in a timely fashion allowed by FCRA.
Product: Checking or savings account

In XXXX, I ordered new checks from XXXX XXXX, but they never arrived. Later, my bank, Bank of America ( BoA ), contacted me to ask if a {$200.00} check for babysitting services was mine. I told them it was not my check. Afterward, I contacted BoA, closed my account, and also canceled and reported the missing checks from my XXXX XXXX order. 

Since my Bank of America account was closed, I assumed the issue was resolved. 

However, in XXXX, I received a letter from the XXXX XXXX regarding another instance of check fraud, this time involving a different company. I went to my local police station and filed a police report. I also contacted the fraud line and was able to get in touch with a detective to investigate the situation. 

This is a case of check theft and fraud, and I want to ensure the right individuals are held accountable.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is another request to demand to the Credit Reporting Agencies to remove the fraudulent items and information off of my credit File in accordance with the Frair Credit Reporting Act section 605b. As much as I appreciate the removal of a portion of the disputed items, I am still disappointed in seeing that they have not completely removed all the disputed items. Let me remind the Credit Bureaus that per the Fair Credit Reporting Act Section 605B ( a ), the Credit Reporting Agencies are required to remove any account that was opened without my knowledge, consent, or authority within 4 business days. The items XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX  XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX, MO XXXX were never authorized and must be removed as soon as possible. I have been disputing for the removal of this item from my Credit File for a long time and yet the Credit Bureaus have been ignoring my requests for this item to be properly investigated and removed. The Credit Bureaus continued reporting of this item is a clear violation of my rights under the FCRA. If the Credit Bureaus claim this item is 100 % accurate and verifiable, then I need them to provide me with copies of any documentation associated with this item which bears my signature, as I believe none exists. It has been over 30 days since I started to dispute this item and yet the Credit Bureau have been failing to provide any signed documents proving the legitimacy of this item.
Product: Checking or savings account

To give context, usually if I schedule a payment on my account as long as the funds are in the account by XXXX the next morning the transaction is covered. Thus even includes XXXX, if funds are deposited by XXXX Saturday morning, the transaction ( XXXX ) are covered. 

Now, this XXXX XX/XX/XXXX. I made a payment of {$85.00} to a vendor. The funds were deposited into my account that XXXX XXXXXX/XX/XXXX morning prior to XXXX as I ha XXXX done in the past. However, this weekend was different. My {$85.00} transaction from XXXX XX/XX/XXXX did not post until XXXX XX/XX/XXXX. With that being said another transaction came through that XXXX morning XX/XX/XXXX and caused my payment from XXXX  XX/XX/XXXX to be returned because of insufficient funds. With that being said if the transactions had been processed in order as per usual, my payment from XXXX XX/XX/XXXX would not ha XXXX been returned unpaid. So I called the bank on Monday XX/XX/XXXX to see why the transactions weren't processed in the order they were received and why didn't my XXXX deposit ( that was made " BEFORE '' XXXX not paid as it usually is. And to also as what exactly does the XXXX grace period mean if I don't get XXXX to make a deposit. I was told by the representative that this is for customers that has overdraft protection on their account ( which I am not eligible ), and so I asked why would I get information that is not relevant to me and my account as to why my transaction was not paid and I did not get an answer to that question. With that being said there have been other times where I have made a payment on a XXXX and deposited the funds by XXXX morning and my transaction was paid, and so I then asked why does it vary from time to time, like why is it ify ; And, the guy on the phone could not explain that to me. I don't understand why they would for XXXX process transactions in the incorrect order. 
XXXX. Rejected the transaction and tell me a reason that doesn't apply to me XXXX. Allow a certain rule ( paying a transaction when a deposit is made before XXXX the next morning ) to apply, and then XXXX day decide that they're not. Like I am not understanding why sometime it ok and others it's not... a.rule is a rule. 
XXXX. Process transactions with the correct date. I had a payment on my account that was made on Saturday XX/XX/XXXX and is pending to post to my account on XX/XX/XXXX. This can cause issues as it already has with a previous transaction. 
So the problem is posting payments in the correct order, with the correct date and applying same rule " ALL '' the time! Which is what they're NOT doing.
Product: Credit reporting or other personal consumer reports

Someone opened a credit card with XXXX XXXX XXXX XXXX with a {$20000.00} limit. They used my name, birthdate, and social security number. I contacted XXXX XX/XX/XXXX regarding the fraud, and they have a fraudulent drivers license someone used. The account was opened XX/XX/XXXX. They are in the process of shutting down the account. I made a dispute to the credit bureaus and froze my credit reports. In XX/XX/XXXX, someone also opened a XXXX credit card using my information. I talked to XXXX and they closed the account. Someone added an address and phone number to my Experian credit report, and I am disputing that. I only learned of this activity through XXXX XXXX. They emailed to inform me of the new cards.
Product: Credit reporting or other personal consumer reports

List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX has violated my rights. 

EQUIFAX XXXX XXXX has violated my rights. 

EXPERIAN XXXX XXXX XXXX XXXX XXXX CO XX/XX/XXXX has violated my rights. 

I looked at my TransUnion Equifax Experian credit report on XX/XX/XXXX, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurmation, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

After carefully reviewing my credit report, my finding are that my rights as a consumer has been severely violated. upon my review it is reporting I owe a balance on Charged off accounts, I have listed the accounts for your reference- XX/XX/XXXXXXXX showing a balance of {$770.00} reporting as past due, and charge off- Under the Fair Credit Reporting Act ( FCRA ), specifically Section 1681i, you have the right to dispute any information on your credit report that you believe is inaccurate or incomplete. If an account is charged off but still shows a balance, you can dispute this with the credit bureaus.

Section 1681i - Procedure in Case of Disputed Accuracy : This section outlines your right to dispute inaccurate information. The credit reporting agency is required to investigate the dispute, usually within 30 days, and correct any inaccuracies found. If they can not verify the information as accurate, they must remove it.

Section 1681s-2 - Responsibilities of Furnishers of Information : Under this section, creditors must report accurate information to the credit bureaus. If the account is charged off, they must report it as such, with a zero balance, unless the debt is sold to a collection agency, in which case the collection agency would report the debt as a separate entry.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had Trying Fixing this problem with XXXX  XXXX XXXX numerous times.The problem is still there showing late payment XX/XX/2019 which was error from XXXX  they even waived the late fee because auto payment system error. I have Secure card with XXXX  suppose to get my deposit back after first year along with credit increase that was in the contract.never happened either.
Product: Credit reporting

XXXX XXXX. XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX, XXXX XXXX Equifax XXXX. XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX SS # XXXX DOB : XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Dear Sir or Madam : I am a victim of identity theft. I am writing to request that you block the following fraudulent information in my file. This information does not relate to any transaction that I have made. 
XXXX ACC # XXXX XXXX XXXX {$50.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX B XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX The items listed are fraudulent items I am requesting that they are deleted /blocked by name of source A CRA must block the fraudulent information the victim has identified within four business days after accepting 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 Enclosed is a copy of the law enforcement report regarding my identity theft Please let me know if you need any other information from me to block this information on my credit report. 

Sincerely, XXXX XXXX SS # XXXX DOB : XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 XXXX XXXX  stated I was 30 days late when I hear checked my credit report. I was not 30 days late, 30 days late would have been on XX/XX/2020 and on XX/XX/2020 I made my FULL payment so I was never late. I called asking them to remove it but stated they would not.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed my credit report and found a late payment. 

Creditor : XXXX XXXX Account # XXXX I was never 30 days late int he month of XX/XX/2017. 

Im not sure how this happened, I believed that I made my payment one time and promptly each month my statements were received. My only thought is that must have been billing error with my statement.
Product: Checking or savings account

On a bout the XXXX of XXXX I contacted regions bank to let them know I had a deposit that was coming and if there was anything I could do to keep from accumulating overdraft fees, however no one even tried to help me. My deposit usually takes XXXX days or XXXX but somehow this specific deposit took a week. By the time I had my funds in order I had accumulated so many overdraft fees I couldnt keep up to pay it the company did absolutely nothing to try and help Im fact it seems as if they were trying to take as much money from me as possible with overdraft fees. I finally was paid on the XXXX of XXXX and they took my entire check even though I pleaded that I had bills to pay and that this never usually happens with me. Not only did they not help me but after taking all of my money they removed my overdraft from working so now Im unable to even borrow from my account until my next paycheck. This bank has put me in a bind and caused major pain and suffering. My lights may be cut off and Im on the verge of eviction with not even enough money to eat with.
Product: Bank account or service

US Bank would process my debits, largest first, so that my account would go negative and then incur overdraft fees. Then they would process deposits, but would take all of my overdraft fees out of the deposits.
Product: Credit card or prepaid card

The creditor closed the account in XX/XX/XXXX for {$85.00} balance. They are still billing me the monthly payments and late fees since. Due now XXXX.. I opened up an account with XXXX, XXXX XXXX in XX/XX/XXXX to help rebuild my credit. I had a check that didn't clear in XX/XX/XXXX, and returned twice from my bank, in which XXXX XXXX closed my account. Balance then was {$85.00}. As of XX/XX/XXXX, I was charged an additional {$44.00} plus late fees, for not making the monthly payment. XX/XX/XXXX I was charged another {$44.00} plus late fees for not making the monthly payment, XX/XX/XXXX I was charged another {$44.00} plus late fees for not making the monthly payment. I'm being charged monthly payments on a closed account. Instead of just paying off the balance due. The balance is increasing. I only had a credit limit of {$200.00}, and when it was closed by them, the balance due was only {$85.00}. I'm very upset because at this rate, I will owe over {$700.00} on this account, and it's not open. I though that once an account is closed, all monthly charges stop. And, the {$85.00} balance that was due was all that I owed because the account was closed. XXXX XXXX is not doing that, they are incurring monthly charges on a closed account as if it was open. I feel this is illegal, and unethical. On XX/XX/XXXX, because my credit score is dropping I made a payment of {$150.00}, not because I was in agreement with the amount but because it's hurting my credit score every month. I need someone to resolve this immediately before this closed account balance reaches a XXXX dollars..
Product: Checking or savings account

When trying to transfer money from my Chase account to my external XXXX XXXX XXXX account it was placed on a security hold. 
When I called up to release this temporary hold, I was asked 3 security questions.

The system did not accept one of the answers, and now my online account is frozen.

Chase has said the only way to resolve this, is to go to a Chase Bank, with 2 forms of ID.

I live in the XXXX  ( XXXX ) and can not walk, and I have not been in a Chase bank in the USA in 4 years. 

Chase are asking me to take time off work, fly to America, and show them ID, so I can access my own money? 

They are happy to verify me on the phone and discuss my account in detail, but they will not unlock my online account. 

Not acceptable. 

I have called and spoke to countless supervisors, security teams etc and the answer is the same.
Product: Credit reporting, credit repair services, or other personal consumer reports

I originally applied to XXXX mortgage for my mortgage was approved and closed/purchased my home. A mortgage service company XXXX mortgage provided mortgage services to my account but was never the lender or owned my mortgage. XXXX  mortgage is reporting as a separate mortgage on all three major credit bureaus giving my credit report the appearance of more debt and credit history of late/missed payments. XXXX mortgage is also reporting the exact same information which is correct but XXXX  mortgage services need not report this on the same mortgage. Ive tried disputing with all three credit bureaus without any luck.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX Genesis FSXXXX XXXX XXXX Acct XXXX XXXXThreaten to sue -False name / contact info -Claim they are attorney or represented -Gave false information about me -Threaten to tell anyone about my debt -Continued contact after requesting in writing to stop contact - Have been told I owe more than I do. 
- Called my work after I told not to contact place of employment
Product: Credit reporting or other personal consumer reports

This is my 12th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXXXXXX XXXX XXXX XX/XX/XXXX XXXXXXXXXXXX XXXX XXXXXXXX XXXX Balance : {$1500.00} XXXX XXXX