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

Today I got a credit alert from XXXX and there was an alert that decreased my credit score. The alert was on an inquiry from Capital One Bank XXXX XXXX, XXXX XXXX XXXX Utah, XXXX from XX/XX/XXXX ... Last time I checked it 's XX/XX/XXXX. I  called the bank listed with the number provided. They checked their data base against my information and of course I did not show up in any of their departments due to the fact, I did not apply for credit with this bank. I believe XXXX and their employees are maliciously damaging my credit from previous complaints. They are adding accounts that are not mine, XXXX XXXX account that was allocated by the store of purchase to my ex husband, I have disputed. They fraudulently adding inquiries, they are fraudulently increasing my debt to credit ratio. Something MUST BE DONE! This is the third time I 've made a formal complaint, two to the FTC and one to the CFPB.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reported accurately. I had XXXX late payment on an account that was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments. Ive attached a copy of my report to this complaint on the following date XX/XX/year>. XXXX now requesting you to investigate this account and update this payment to paid on time immediately. Thank you for your understanding and prompt action.
Product: Student loan

Student loans that should of been Federal Loans went to private loans in XXXX there were XXXX loans totaling {$60000.00}. We have all other loans that are federal for XXXX students. Navient made this mistake like they did for many other students during this period. We were not disclosed the interest rate as well. Many phone calls were made to no resolution. For the last XXXX years we have been making payments. Our current loan dept. is {$60000.00} at an interest rate of 14 %. We have already paid {$60000.00}. but still ow {$60000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

In regards to Experian dispute for XXXX  acct XXXX XXXX XXXX filed it came back as updated. This is not right, this shows a charge off of XXXX which is a complete fraud on their part. I had bought XXXX worth of gift cards, there was a security issue and they cancelled the cards. I never got to use the cards. I got nothing. They charged me tho, I called and they said they reversed the charges. But now its still showing as I owe them XXXX which I DO NOT! PLEASE DELETE THIS it is totally incorrect. Absolutely ridiculous that they havent changed this. its XXXX XXXX false. thank you.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Account # : XXXX Opened Date : XX/XX/XXXX Balance : {$760.00} XXXX XXXX  Account # : XXXX Opened Date : XX/XX/XXXX Balance : {$310.00} XXXX XXXX  Account # : XXXX Opened Date : XX/XX/XXXX Balance : {$13000.00} XXXX XXXX Account # : XXXX Opened Date : XX/XX/XXXX Balance : {$1500.00} After reviewing my credit report, I found several accounts that are not mine. Please remove these fraudulent accounts from my report as they are preventing me from securing credit. I do not recognize these accounts.
Product: Credit card

I took a balance transfer offer from XXXX XXXX  and XXXX of the banks to pay off was an account at BMO. I discovered that BMO demands XXXX XXXX  issue a paper check for balance transfer payoffs instead of an ACH or electroniic transfer. XXXX XXXX  issued a paper check to the correct payments address of BMO on XXXX24. It is obvious that paper check has been received at XXXX XXXX XXXX XXXX XXXX IL. Yet BMO claims to not have received any check and refused to investigate or put a trace. 

Then I discover BMO will not process any payments via paper check on date received, instead it is the date of THEIR CHOOSING to open the envelope containing the paper check. This means while the consumer could post a paper check 30 days before the due date, it will NOT be accredited as being on time or processed in a timely manner because BMO won't date the payment until they have collected the mail from the payments XXXX XXXX and opened it, processed it! 

So, this puts me at risk for paying 24 % interest on an account and also missing a payment date while BMO 1. insists on paper checks XXXX delays processing those checks XXXX refuses to acknowledge or accredit the check issue date Finally blames USPS for " losing mail '' and taking XXXX business days to deliver a XXXX class envelope from MO to IL, the next state over and XXXX hours away. 

I find this to be fraudulent, clearly BMO is trying to delay payments and balance transfers in order to charge late fees and interest and lower consumer 's credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX  has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

I have rights under XXXX XXXX XXXX. 

EQUIFAX is govern bay 15 USC 168 and violated my rights countless time. I demand the accounts listed below to be removed because I am a victim of identity theft which I have provided verification of this including FTC report over 45 days ago. 

Accounting to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts : Design Receivable - XXXX XXXX XXXX XXXX Opened XX/XX/XXXX, Amount : {$1100.00} Design Receivable - XXXX XXXX XXXX XXXX Opened XX/XX/XXXX, Amount {$5400.00} XXXX XXXX - XXXX XXXX Opened XX/XX/XXXX, Amount {$950.00} XXXX XXXX - XXXXXXXX XXXX Opened XX/XX/XXXX
Product: Checking or savings account

To Whom It May Concern, I am writing to file a formal complaint regarding unauthorized transactions on my Bank of America account. Around 2020, I detected fraudulent activity in my account. I immediately reported these unauthorized transactions to Bank of America, filed a police report, and provided all the necessary documentation to support my claim.

Despite my prompt actionsincluding securing my account with a credit freezethe bank has failed to adequately address the issue or reimburse the funds that were wrongfully withdrawn. This lack of resolution has resulted in significant financial hardship and has left me vulnerable to further issues.

I respectfully request that the CFPB investigate this matter to ensure that Bank of America thoroughly reviews my claim, reverses the fraudulent charges, and implements more effective safeguards to prevent future incidents.
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to file a complaint about the collection and reporting practices of XXXX XXXX. 

In XX/XX/XXXX my husband and I lost our home to foreclosure and moved into an extended stay hotel, and have been living here ever since. ( Not by choice but because of foreclosure ) We did not immediately have our mail forwarded so I dont know if we received a final bill or not, but a collection from XXXX showed up on my credit report shortly afterwards. For a brief period of time they reported it, but then it was removed. 

XXXX  year ago in XXXX, I had finally reached the point that we could apply for an apartment, but when I did we were denied. The reason was a new collection. The new collection was a collection by XXXX, but the dates had been changed to show it as a recent delinquency. When I called the XXXX billing department the man admitted to me that he had pulled back the first collection and re-submitted it with a new company. He told me if I didnt like it I could just pay my bill. 

Then I went into the office and asked for information to prove the debt and they told me they didnt have anything to show me because there was no information in the computer. So I disputed it with the credit bureau and after several attempts I was able to have the re-aged collection removed from my report. But it took a year to return to my previous score. 

Now a year later in XX/XX/XXXX my credit score had gone up enough that I was pre-approved for a mortgage, but before the process was completed a new collection, from a new collection agency for XXXX XXXX, for the third time has appeared on my report again. It is not a collection that shows the status date XXXX, instead it says it was incurred a month ago. And it is glaringly showing up as a new collection again, my XXXX score has dropped, and I now have to wait to buy a home or rent a house.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$240.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3800.00}, and XXXX  XXXXDate Opened : XX/XX/XXXX Balance : {$1200.00}.
Product: Debt collection

Transworld systems Inc. Mailing me collection notices for creditor I have never worked with and a debt I have never incurred.
Product: Credit reporting or other personal consumer reports

In accordance of the fair reporting act list of companies listed below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX {$750.00} {$570.00} {$570.00} {$500.00} XXXX  XXXX XXXX {$500.00} Has violated my rights 15 USC 1681 section 602 A States I have a right to privacy.

15 USC 1681 section 604 A section 2 states of consumer reporting agency can not furnish an account without my written instructions.

15 USC 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 information, other than records of convictions and crimes which antedates the report by 7 years.

15 U.S.C. 1681s-2 states : ** ( 1 ) Prohibition** ( A ) A person shall 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. 
( B ) A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate
Product: Checking or savings account

On Saturday XX/XX/XXXX, I was victim of theft and fraud. A person who misrepresented themselves as a representative of Chase Bank called me on XX/XX/XXXX telling me there was an unauthorized transaction in my account. This individual proceeded to then request a replacement card using my banking information and sent the debit card under my name to an address I have never been affiliated to. 

On XX/XX/XXXX, an unknown individual called Chase by phone and SOMEHOW transferred my entire savings account into my checking account and emptied it out within a matter of minutes. The transactions were mostly purchases with cash back of {$1000.00} at a XXXX in XXXX, Texas. I immediately opened a dispute with Chase and within 3 days Chase closed the dispute and told me the decision was not made under my favor and I should take the loss.

It was Chase Bank that somehow authorized a debit card to be sent to a different address than I have registered in my account, then Chase bank activated this card without my authorization or authentication and finally Chase bank allowed transfers from one of my accounts to another by phone from a person who was not me.

Chase Bank closed the dispute without doing their due diligence and investigating further how these fraudulent transactions occurred.
Product: Credit reporting or other personal consumer reports

Upon conducting a recent review of my credit report, I discovered several items that are unverifiable, invalidated, inaccurate, and questionable. These inaccuracies have caused me significant distress and hardship. Your agency is obligated under federal law to ensure that all reported information is accurate and complete. Per 15 U.S. Code 1681e ( b ), it is required that you, as a consumer reporting agency, " follow reasonable procedures to assure maximum possible accuracy '' of the information reported about me. However, the items listed below fail to meet these standards : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. These are not my accounts and have not been verified.
Product: Bank account or service

I lost my card two days ago, there was {$940.00} on it. I tried to call right away to have a replacement mailed and to have that card blocked but I kept getting hung up on or I 'd get through and wait, and after XXXX minutes of waiting, I 'd still get hung up on. What if someone would 've found my card? I would 've been screwed because I was n't able to get a hold of someone right away. I trusted these people with my money and what 's worse is that I get outsourced to people in the XXXX or XXXX. I finally got a hold of someone just now after XXXX minutes of waiting. This is unprofessional and now I have to wait to pay the rest of my bills. I still ca n't access my account online!
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXXXXXX Account # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose Equifax found that XXXX XXXX  Account # XXXX was inaccurate and removed the accout. XXXX and XXXX is still reporting the account which is in violation of my rights.
Product: Vehicle loan or lease

I was impacted medically by XXXX in XXXX after exposure. Ally Auto informed on XXXX that our vehicle was being repossessed for being late on our payments. A payment was made on XXXX XXXX, XX/XX/XXXX for {$640.00} and a statement was received on XXXX XXXX, nowhere was it stated our vehicle would be repossessed. 
I made a XXXX XXXX payment for {$1200.00} and scheduled a payment for {$1200.00} later this week XXXX. I asked for supervisor at XXXX EST on XXXX and they shared one would call me back in 3-4 hours and no one did. I called at XXXXXX/XX/XXXX. EST and spoke for 19 minutes to confirm the payment was received and they shared it was not processed yet. They stated a note was sent to the repossession team. 
47 % of the balance is paid, I am impacted by Covid and need my vehicle for work and Ally states that customer service is separate from repossessions. Their on line system is inconsistent in accepting messages/images. 
I have not had confirmation of my XXXX XXXX being posted, I have not had a call back from a supervisor and their on line system is not available at this time. 
Ally is using suspect methods in both collections and also using fear as one of those methods which is totally inappropriate in this environment. They dont send written statements that reflect their intent and they fail to communicate in a timely manner. 
This is concerning that Ally operates in this manner and uses these methods in collecting past due payments in a pandemic especially for someone who has been impacted.
Product: Credit card

I have an open and current account with US Bank for the XXXX XXXX XXXX XXXX XXXX XXXX. 

In the XXXX 2017 statement for my card, I observed a discrepancy with the calculation for earned XXXX rewards points for the charitable donation transactions. 

According to the program rules for the XXXX rewards program, the XXXX XXXX XXXX card earns points " at a rate of XXXX XXXX per every {$1.00} in Net Purchases during each billing cycle for any merchant location that classifies itself as a XXXX. '' All the transactions on that statement were from merchants that classified themselves as a XXXX, according to the report on the statement generated by the ScoreBoard tool available in my US Bank online account. With a closing balance of {$1200.00} on the statement, I expected to receive XXXX XXXX XXXX = XXXX XXXX points for those transactions. Instead, my statement only reported XXXX XXXX points earned for that activity. 

I believe that XXXX transactions for XXXX XXXX XXXX totaling {$690.00} were not counted as charitable donations, which would account for the discrepancy I observed. 

On XXXX XXXX or XXXX XXXX, 2017, I used the " Email Us '' contact form in my US Bank online account to request an adjustment in the number of XXXX points earned to be consistent with the XXXX program rules, in light of the observations I made. This contact was acknowledged in an e-mail reply I received on XXXX XXXX, and on XXXX XXXX, I received a letter in the mail from " Cardmember Service '' in response to the request I made stating that " XXXX XXXX XXXX is not an eligible service organization '' and therefore, I would not receive bonus points due for charitable donations. 

I did not receive any explanation for why this determination was made, given the program rules and the observations I made, so I am wholly unsatisfied with this response from US Bank and I feel that my complaint did not get due consideration.
Product: Credit card or prepaid card

Through the online payment system with the credit card company/bank, I scheduled and authorized a payment to be withdrawn from my bank account for {$200.00} to occur on XX/XX/XXXX. Instead, the payment amount that was withdrawn from my checking account was for {$1900.00}, which caused an overdraft situation with my bank account and financial distress. I discovered this error today, XX/XX/XXXX, and immediately initiated a " live chat '' with the credit card issuer. I was told that this was their error and they would issue a check to replenish my account for the {$1700.00} difference that I would receive in 2 to 3 weeks. Needless to say, this is causing a hardship for me to not have these funds immediately available to me, as they were budgeted to pay other bills. I asked that the payment be electronically reversed and that the funds be immediately put back into my bank account and was told they did not have the capability for that type of transaction. I then requested that a check be sent to me over-night via XXXX and was told this could not be done for at least 7 to 10 days. This is unacceptable service and has really put a financial burden on me. How can a bank/credit issuer as large as Synchrony Bank not be able to rectify their error via electronic and immediate means? Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Transunion about some incorrect, inaccurate, and fraudalent data on my credit report and I also contacted the collection companies that are reporting the data and asked them for validatity of the debt which is required by federal law ( FCRA ). The collection agency did n't provide me with any information and it 's been over 30 days and I petitioned Transunion to delete the collection accounts and have n't gotten any justice! I want this well documented with the CFPB so when I proceed to file a civil lawsuit against the agency my greivances are documented that I went through the proper channels and I 've tried to settle this before proceeding any legal action. If the collection agency ca n't provide me with documentation, how are they proving anything to Transunion. The collection agencies are  XXXX  accts with  XXXX  for {$600.00} and {$770.00} and a rent debt account for {$300.00} that was settled in court and they sided with me. And a   XXXX   XXXX   for {$600.00}.   I 've filed a police report for ID theft and a report with the federal trade commission as well.
Product: Student loan

Student loan originally was with XXXX XXXX, they changed it to Navient. My granddaughter went to XXXX school then became XXXX, had a XXXX. XXXX died on the XXXX. She was devastated, she became XXXX right away, thinking this would help them get over the situation. They could n't afford child care and she was unable to work, had to live with parents. They tried to pay but not enough money. Navient called and hassled me and bullied me frequently, threatened to garnish my XXXX a week job and am on social security but my name was on the loan. I finally got tired of the harassment and bullying, and per their suggestion put it on my credit card. I am XXXX and did n't need the bullying. With the high interest rate the balance remains unchanged from the original balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I continue to have to dispute the following accounts over and over again. The following accounts were included and discharged in a XXXX  XXXX Bankruptcy in XX/XX/2017 : XXXX XXXX XXXX acct ending in XXXX is incorrectly being reported as OPEN with a balance of {$24000.00} on Equifax and XXXX, even though both credit bureaus have records of the the previously reported correct information. This most recent addition of the incorrect XXXX account information costs me a XXXX loss from my credit score. This has happened before. 

XXXX XXXX XXXX  credit card acct ending in XXXX is incorrectly being reported as OPEN with no status as an Other Account on Equifax and XXXX, even though both credit bureaus have records of the the previously reported correct information ( discharged in XXXX. XXXX ).