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

I recently reviewed a copy of my credit report and noticed I had a fraudulent account please remove this account as it is preventing me from obtaining credit
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 5th 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 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: Checking or savings account

Opened a joint account at US Bank with one of my parents to make funds transfer easier and as a just in case measure for while I was XXXX. Nine months later I return to find that US Bank has been tanking my credit because all the money was gone and I owed them. Turns out the bank had linked someone elses debit card to my account. After learning this, and after them reversing the charges, I closed the account. Even after knowing the issues was theirs it took years for me to get them to correct this with the credit bureaus. 
Now 14 years later I try to open an account with my wife and am told there is an earlywarning report. After receiving this consumer report I find out that 14 years later, US Bank started charging me for insufficient funds and after racking up {$110.00} in fees they closed the account and reported it to earlywarning as fraud. I was forced to pay the {$110.00} dollars so that I could get this negative report cleared and they have not given me any documentation for this second closure. As seen on my credit reports, US Bank reported the account closed 14 years ago and no other account is shown on my credit report since or even now.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an email about a hard inquiry from XXXXXXXX XXXX on XX/XX/23 that was not made by me. This is fraud and TRANSUNION needs to remove this hard inquiry from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Almost 2 months later and I havent seen my credit disputes addressed by XXXX, XXXX XXXX and Equifax. This is a violation of thier timelines and is putting me and my family in financial distress.
Product: Mortgage

THE MORTGAGE COMPANY PHH KEPT SAYING I DIDN'T HAVE HOMEOWNERS INSURANCE! I THEN CALLED MY INSURANCE COMPANY XXXX YEARS AGO TO PROVIDE DOCUMENTATION. THIS COMPANY XXXX XXXX XXXX  ) THEN TRIED AND INFORMED ME THEY PROVIDED INFORMATION TO THEIR BROKER! PHH CONTRACTED WITH A COMPANY FROM XXXX OR XXXX AND EVERYONE AT INSURANCE ( XXXX XXXX ), ( MYSELF ), ( AND MY AGENT ) HAD DIFFICULTY COMMUNICATING WITH INCLUDING MYSELF! IT WAS IMPOSSIBLE! THIS TOOK A YEAR TO DISCOVER! NOTHING COULD BE ACCOMPLISHED UNTIL THREATS AND LANGUAGE WERE MADE! PHH THEN WITHOUT MY CONSENT REWORKED MY MORGAGE. THEY CLAIMED I MISSED PAYMENTS! I'VE RECENTLY PROVIDED DOCUMENTATION TO THEM AND NOW YOU! I FEEL THEIR CORRUPT INSURANCE SCAMS ARE ILLEGAL! THIS IS CORRUPT! I AM PROVIDING YOU WITH THE LAST 10 MONTHS OF PAYMENT INFO!
Product: Checking or savings account

I received an email that my account would be closed and I would receive a check for the funds that are in there. The bank is not allowing me to withdrawal the funds nor have they sent me a check and has stated the account is still open
Product: Debt collection

I been receiving numerous texts and phone calls any time of day from this company sometimes after XXXX. I text stop the notifications still were coming in. Then I received a letter stating that I owe a debt from XXXX years ago. I sent out a validation letter for validity and proof of ownership. It's going on 30 days and I have not heard back from this company at all. If they can't show me proof of validity they need cease collection and send Me a letter stating that they have the wrong person and they leave me alone.
Product: Debt collection

A representative from Argon debt collections reached out to me in order to notify me that I owe {$180.00} to XXXX XXXX XXXX for services at XXXX XXXX XXXX XXXX in XXXX ar. The rep shows services started on XXXX of XXXX, however I didn't move into that address until XXXX of XXXX. There is no possible way that I started service there.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is not reporting correctly again. They just changed my account for XXXX XXXX to 30 days past due XX/XX/XXXX and XX/XX/XXXX and both of those payments were correct. I have all information documented with payments and amounts. I filed a complaint and dispute about XX/XX/XXXX and XX/XX/XXXX and then Transunion responded from XXXX dates which was not even in question and fixed last year. 

The only past 30 from XXXX XXXX was XX/XX/XXXX payment. Which was paid and XXXX and XXXX were on time and account current then which I have given specific proof on. So instead of deleting the XX/XX/XXXX past 30 days they changed and made XX/XX/XXXX and XX/XX/XXXX as current but then posted that XX/XX/XXXX and XX/XX/XXXX payment past 30 days which were not at all. I spoke with XXXX XXXX at XXXX XXXX and transunion and XXXX XXXX need to be held accountable for incorrect reporting which just dropped my score 22 pts and is FALSE REPORTING I am getting sick of XXXX and Transunion not fixing the issue. I have zero other past dues on anything on my credit report and have had so many issues with Transunion not fixing and wasting my time. I will seeking legal action if not fixed in next 20 days to correct and Current for XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX and they also report incorrect balance and loan is current for XXXX XXXX payment due which I have paid online already/
Product: Credit card or prepaid card

In XX/XX/2020 I was alerted by SunTrust Bank of a suspicious charge to my credit card in the amount of {$120.00} at XXXX. I did not get gas there and it appears my card was skimmed at my local XXXX gas station in XXXX, Florida. I called the Suntrust customer service center which answered in the XXXX. I have spent 6 months on this case. My claim was denied several times until I sent an e mail to the CEO of Suntrust bank. Finally his assistant XXXX XXXX, ( XXXX ) XXXX advised me today that I will be getting a partial credit in the amount of {$89.00} but NOT the entire amount. I never charged {$35.00} at XXXX or any amount there. 
I have worked with my local SunTrust Bank with a woman named XXXX ( XXXX ) XXXX who has tried to help me with the incompetent Suntrust fraud department for 6 months. 

Suntrust credited me {$89.00} on XX/XX/2020 and then revoked that amount on XX/XX/2020 after their investigation. About 2 weeks ago I was told by XXXX XXXX ( XXXX ) XXXX that my claim was denied. It wasnt until I emailed the CEO of Suntrust Mr XXXX that I got some help Yet, they are only giving me a partial credit. They were the ones who initially advised me about the suspicious charge to me credit card. Yet they wont give me the full amount. I am a senior citizen and this has been very stressful for what should have been a simple matter. The fraud department of Suntrust has been very incompetent
Product: Credit reporting, credit repair services, or other personal consumer reports

There are XXXX accounts on my credit report that are not mine I have not applied signed or used these accounts they are showing up on all three of my bureaus I have disputed these since XX/XX/XXXX but I have not heard anything back or seen a dispute opened I need these off my credit report asap!!! 


Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX  Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account INQUIRIES Creditor Name : XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry
Product: Mortgage

Dear Sirs : My mortgage loan with XXXX XXXX was transferred to SLS ( Specialized Loan Servicing LLC ) on XX/XX/XXXX without my knowledge or authorization. I was paying XXXX XXXX {$1500.00} for years and never was behind on my escrow payments. My payment included {$240.00} towards my escrow every month and as I said, it always covered my yearly taxes and insurance, which have not changed at all in many years! Now, SLS is counting {$200.00} only towards the escrow at the same time as raising my mortgage payment by {$36.00} for a total payment of {$1500.00}. They are using the excuse that they are collecting for XXXX! I verified with a mortgage banker at XXXX XXXX and she also said what they are doing is illegal. I want my payments to go back to {$1500.00}. 32 with the escrow at {$240.00} ... If you look at it, by SLS not including {$32.00}. of my payment towards escrow and raising my payment by {$36.00}, they are illegally collecting a total of {$68.00} for their benefit!! 
I do not trust them and certainly do not want to do business with them and unfortunately do not have any income at this time so I can't get a refinance with anyone else!
Product: Credit reporting, credit repair services, or other personal consumer reports

Second complaint to Experian, and again I am sending a copy of the FTC report and my social security card and my Identification
Product: Credit reporting

Synchrony Bank/JCP, are stating that I have not been sending in my payments when I have been mailing through my bank checking account every XXXX Wednesday of the month since I have had the card. But in the last 3/4 months I have been getting statements saying I have not paid on my account. I originally owed {$330.00}, in which I have been sending a payment of {$30.00} each month ( I do have the bank records to show this ) but Synchrony have been sending statements that they have not received this money and adding on ridiculous fees & charges bringing my account to the {$420.00}. I 'm a XXXX on a fixed income and I do n't need the this type of trouble. Please help
Product: Credit reporting, credit repair services, or other personal consumer reports

Now I have submitted three times to have my credit report corrected thus far XXXX XXXX and XXXX have cleared the Data Furnishers unauthorized on my credit report. On XX/XX/XXXX, the bureaus stated that they did not know who was reporting the Public records Case # XXXX. I sent this information to the FTC was sent on XX/XX/XXXX, but lost my complaint in the mail room - tracking # XXXX. On XX/XX/XXXX, I submitted a complaint with CFPB in which I was unable to access my account. After numerous calls and with verbal verification XXXX was removing the unauthorized bankruptcy. I was to receive the letter from CFPB as of XX/XX/XXXX, I still do not have the letter. I was informed by the CFPB that the letter has been sent and that they can still see letter from XXXX agreeing to remove the unauthorized Data Furnishers. XXXX and Equifax have stated they needed proof of my identity which is 100 % false. I was told by the CFPB today XX/XX/XXXX, that I needed to resubmit my claim for XXXX and Equifax to remove the unauthorized bankruptcy. 

Complaints XXXX XXXX, XXXX XXXX XXXX Equifax XXXX Public Records Caselaw Supreme Court Ruling XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Violations 5 USC 552a Violations 31 USC 3711 ( e ) Violations Public Records Act Violations Commercial Purpose Declaration 42.56.070 ( 8 ) Attached is proof of my submissions to XXXX and Equifax. I am not including XXXX because they have removed the Data Furnishes.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account XXXX is a fraudulent account that XXXX and transunion fail to remove from my credit report. This account is fraudulent and is not my account. Ive tried disputing this accounts numerous of times and also have filed FTC report as well as police report.
Product: Debt collection

This all started XXXX or XXXX  years ago when I went to the XXXX XXXX XXXX XXXX XXXX XXXX I settled with the XXXX  through my insurance and credit card payment. For some reason the XXXX  gave this to a collection company and they have been trying to collect {$52.00} over this time. I have written numerous emails and complaints stating this is a false collection claim. The collection company continues to post this claim to credit agencies which show on my report. This company has many names and affiliates to keep reposting after the credit reporting agencies find my claims to be true. The debt company is listed below. 

Account Balance {$52.00} Account Number XXXX Address XXXX XXXX XXXX XXXX XXXX, XXXX XXXX IN, XXXX Creditor Name PHOENIX FINANCIAL SERVIC Industry Type Other Collection Agencies
Product: Credit reporting or other personal consumer reports

I got my credit score from XXXX XXXX and someone with my social security number has had a credit card open since XXXX. According to XXXX
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention a violation of my rights under the Fair Credit Reporting Act ( FCRA ) by XXXX  Account # XXXX. In accordance with the FCRA, specifically 15 U.S.C. 1681, I believe my rights have been infringed upon as follows : Right to Privacy : As per 15 U.S.C. 1681a, I am entitled to privacy regarding my credit information. However, I have reason to believe that XXXX Account # XXXX has mishandled my personal information in violation of this provision. Despite my expectation of privacy, my credit information has been improperly handled or disclosed. Failure to Obtain Written Instructions : According to 15 U.S.C. 1681b, Section 604, a consumer reporting agency such as XXXX Account # XXXX is prohibited from furnishing credit information without my written instructions. It has come to my attention that XXXX has reported information about my account without obtaining such instructions from me, thereby violating this section of the FCRA. I am deeply concerned about these violations and the potential impact they may have on my financial standing and reputation. I request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action against XXXX Account # XXXX to ensure compliance with the FCRA XXXX Enclosed with this letter, please find copies of relevant documentation supporting my claim, including credit reports, correspondence with XXXX Account # XXXX, and any other pertinent information. I appreciate your attention to this matter and look forward to a prompt resolution. Should you require any further information or clarification, please do not hesitate to contact me at the above-listed contact information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I don't know what to do. I am a victim of identity thef and I need help because my credit has really been affecte. I have been asking for help and my lawyer told me to submit a complaint with the FTC. I have completed the report and have attached my documents for proof of ID. I can't take this, my family and I are being deeply affecte by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of receipt of this report. Failure to do so is a violation of my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Federal Credit Report Act that USAA FSB is in violation of my rights under 15 USC 1681 Sec. 602. I reserve the right to privacy. 15 USC Sec 1681 Sec. 604 ( a ) Section 2 it also states that a consumer report agency can not furnishes an account without my written instructions. 15 U.S. Code 1666b -also state that creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. The Agency will never be able to corroborate the signature of a judge in a court order. Additionally, it is reporting inaccuracies on payments which has never been late. These negative items should be removed and/or deleted under 15 U.S.C. 1692g
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I mailed a dispute letter to TransUnion requesting an investigation into inaccurate items on my credit report. Additionally, I disputed incorrect personal information listed on my credit report. To facilitate this process, I included a copy of my photo ID, social security card, and a recent bill with my current address to help TransUnion verify my identity and address. 
Despite my efforts, Transunion refused to conduct the investigation. 
The response I have received from Transunion, dated XX/XX/year>, states the following : We recently received a request that included your information, but it didn't appear that you or a properly authorized third party sent it to us. We take the privacy and security of your data very seriously, so we won't process requests unless they come directly from you or an authorized third party. According to the FCRA, if the completeness or accuracy of any item of information in a consumer 's file at a credit bureau is disputed by the consumer, the bureau must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. 
Additionally, the bureau is required to provide the consumer with the results of the investigation, including specific details on the verification process if requested. 
It appears that TransUnion has violated my consumer rights by not conducting a reasonable investigation upon receipt of my dispute, which they are required to do in accordance with the Fair Credit Reporting Act. 

I am including a copy of my dispute letter sent to TransUnion, along with TransUnions response as proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello CFPB, I had three accounts with XXXX XXXX XXXX XXXX which I have paid in full however XXXX, XXXX and TransUnion continue to show them as settled for less, not PAID IN FULL. I recently paid them off and XXXX XXXX sent me three letters for each account showing paid in full. I will upload each letter here. When I submit them to the credit bureaus, they refuse to update them. This is affecting my credit report, I cant get a loan and may now affect my employment. I need help and someone to call each bureau and have these three accounts reflect : closed, PAID IN FULL. I have disputed the accounts for the past 30 days, I have called multiple times and written two sets of letters. They are reporting these accounts incorrectly. Please can you help me. 


Thank you
Product: Prepaid card

I have two refunds that Payfare made fake transactions for and are refusing to remove the fake transactions from my account On XX/XX/XXXX I stayed at XXXX XXXXXXXX XXXX, they charge a {$50.00} deposit and {$80.00} a night, total after taxes is XXXX. The next day XXXX XXXX refunded me {$46.00} out of {$50.00} of my deposit and Payfare created a duplicate purchase transaction for the exact same {$46.00} that has stayed pending for weeks. XXXX XXXX has confirmed the refund is 100 % complete on their side and this transaction Payfare created is fraudulent. 

Also on XX/XX/XXXX I returned a battery charger to XXXX for {$53.00}, Payfare also created a duplicate purchase that I has been pending since the XXXX for {$53.00}. XXXX corporate and customer service desk locally have confirmed the refund is 100 % complete on their side and this transaction Payfare created is fraudulent. 


Payfare has been informed, and refuses to fix the transactions and has stolen {$99.00} from me. I suggest they fix it because I will start targeting their employees if they do not
Product: Money transfer, virtual currency, or money service

For the past 48 hours Zelle has been rejecting every single law firm client of ours the ability to pay us as little as {$2500.00}. 

This is killing our business and jeopardizing our clients legal matters. 

Please investigate and advise.
Product: Debt collection

On XX/XX/2020, I received a bill from EOS CCA Stating that I owed them something. I immediately responded and disputed the validity of the debt. I informed them that the debt was not owed by me and tried to resolve the matter amicable between us. To date, The company only sends me bills, but they will not provide the original contract with my alleged signature ( it doesn't exist ). This is harming my credit rating gravely, because it is not reflecting accuracy.
Product: Credit reporting or other personal consumer reports

I observed on my transunion credit bureau report that there was a fraud unauthorized account that appeared on my credit report with a company called XXXX XXXX. I contacted Transunion multiple times and they are not in compliance with FCRA.
Product: Credit reporting

Equifax fails to remove the XXXX XXXX XXXX XXXX account. Equifax reports incorrectly the date of first delinquency for removal. Equifax reports incorrectly that this account is scheduled to continue on my report past the statutory limits of the other major CRA 's even though I received a XXXX XXXX XXXX XXXX Cancellation of Debt from XXXX XXXX XXXX XXXX. Equifax continues to report inaccurate information on my credit file which lowers my credit score. This causes me the inability to obtain credit and lowers my standards of living and causes me to languish and suffer.
Product: Money transfer, virtual currency, or money service

I have been sending and receiving money thru paypal for a long time and decided I would just use them as my bank so I deposited XXXX into paypal and I was going to take a trip and had someone that was going to set it up for me so I sent them XXXX and tried to send more several ways but paypal kept turning it down and then they ask for all kinds of id which I sent to them and then they said I was doing fraudelent activity and closed my account and kept my money and said t hey were going to keep for 180 days and I tried to tell themn that was every XXXX I had and had transferred it from my own personal bank account and they refuse to even listen and just send me automated messages when send them messages and you can not talk to a live person at all. now they sent me a message saying they had refunded XXXX to someone and that someone had closed their paypal account and I ask t hem about that and they said that they couldn't find anything on it but it is in their resolution center and I sent them a copy of the letter they had sent to me. These people are crooks and has just stolen every XXXX  I have and refuse to even talk to me about it. I have ask them to show me where I had did fraudelent activity but you can't talk to a live person. Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

Although they continue to ask us to sign in they have prohibited us from accessing their data base and cancelled my wife 's free account- XXXX XXXX please review your XXXX XXXX  file There's been a change to your Experian credit file. 
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