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

I am writing to file a formal complaint regarding inaccurate reporting and identity theft perpetrated by XXXX. As per the Fair Credit Reporting Act ( FCRA ), inaccurate reporting of accounts and identity theft are serious violations that require prompt resolution by credit reporting agencies. 

The issue at hand revolves around an account erroneously reported by XXXX in association with CBNA ( Citi Bank/Best Buy ). It is noteworthy that XXXX is the sole credit bureau reporting this account, and not only that, they are also reporting a late payment associated with this account. However, I want to assert unequivocally that I have never had any affiliation or dealings with CBNA. 

Both XXXX and XXXX, after thorough investigations, have acknowledged the erroneous nature of this account and have duly removed it from my credit report. Despite repeated requests and the submission of evidence regarding identity theft to XXXX, they have failed to take appropriate action. Furthermore, Citi Bank/Best Buy has advised me to contact XXXX directly to rectify this issue, yet XXXX has persistently refused to cooperate. 

It is imperative to emphasize that this account does not belong to me and has never been associated with my financial history. Therefore, I demand immediate action from XXXX to remove this inaccurate and fraudulent entry from my credit report in compliance with the FCRA. 

I kindly request your assistance in ensuring that XXXX addresses this matter promptly and takes the necessary steps to rectify their reporting in accordance with the law. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution of this issue.
Product: Debt collection

I have been called for months by a company called Independent Recovery Resources , Inc. XXXX XXXX XXXX, XXXX, New York ; phone ( XXXX ) XXXX. They claim to be looking for someone named XXXX. When I advise that there is no one here named XXXX, they hang up. I suppose being rude is one of the job skills required to work for this company. If so, they have definitely managed to obtain the most skilled workers there. Today, I spoke to a bristly lady who would identify herself only as XXXX ( Operator XXXX ) who abruptly hung up when I tried to ascertain the nature of the debt and on whose behalf IRR was working. I also wanted her agreement not to harrass us further. I was civil but she abruptly hung up anyway. When I called back, the only option given was to leave a message.
Product: Credit card or prepaid card

STATEMENT On or about XX/XX/XXXX, I used XXXX search to contact the XXXX, Nebraska County Treasurers Office to check on the current status on property taxes my wife and I own therein. I was connected with to the Treasurers Office but it was the section that dealt with automobile taxes. I returned to XXXX   and added real estate to the search specifications and was connected to a official looking web site that requested the address of the property I was interested in obtaining information about, I entered the address and was informed there was a {$1.00} charge to obtain the information. The charge was not unusual, I had paid a small charge to download a property deed previously. I agreed to the charge and gave them my USAA XXXX card number. This is the only charge I agreed to.

After about 2 or 3 minutes, which seemed too long to me, the site presented a summary of the information they obtained. It contained facts about the house- rooms, square footage, etc., some of which were wrong ( I have owned the property for 42 years ) but had no current information on the XX/XX/XXXX taxes due in XX/XX/XXXX. This made me suspicious. The site encouraged me to download more information, including a picture of the house, but I declined. the site then wanted to know if I wanted to view other property or be interested in investing in other property. Now I was sure this was not getting me the data I needed and I closed the site. Unfortunately, I did not think to record the site URL.

I was suspicious enough to contact USAA a day later to check on my XXXX card charges but the {$1.00} charge I had agreed to was not posted. I regret I did not check again before I received my credit card billing showing a charge of {$1.00} made by XXXX on XX/XX/XXXX and also a charge of {$18.00} by the same the same entity on the same date. I complained to the credit card company, USAA-XXXX  thru USAA Savings Bank, and they advised me to fill out a Transaction Dispute Form and mail it in. I did so on XX/XX/XXXX, I also filed Transaction Dispute Forms for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. On XX/XX/XXXX I cancelled my XXXX card because of the inaction of USAA Savings Bank. The bank has mailed me a new card but I have refused to Activate it because the bank is carrying over the fraudulent charges of XXXX to the new card.

I have recently received an e-mail from USAA Savings Bank that they are giving me Temporary Credit for the {$18.00} charge on my XX/XX/XXXX statement but warn that the problem is not yet resolved.

I recently checked on the account and found that the posting of the latest {$18.00} charge the changed posting date from XX/XX/XXXX to XX/XX/XXXX so that it would be included in any new billing. Looks like the bank is aiding the fraudulent claimant.
Product: Debt collection

I found out about the debt through a garnishment on my job. yet this account has the wrong address as well as it is over 10 years old.
Product: Debt collection

XX/XX/year> letter from XXXX that account was paid in full. 
Since account was paid they continue to report to the credit buero that this account is past due.

As a XXXX XXXX  every year I have to provide evidence to multiple states licensing beuro that this account is paid. 
I have received weekly calls from XXXX over the course of three years insisting that this account is not paid and they will continue to report to credit and collections attempts. Each time I talk to them I offer to provide evidence that they reject. They will not give me proper contact to submit evidence of payment.
Product: Credit reporting or other personal consumer reports

After opting out per 15 USC 6802, XX/XX/year>,, with respect to personal information, Synchrony Bank a financial institution according to, 15U.S Code 6802 ( b ) MAY NOT disclose non public personal information [ ( A ) The term nonpublic personal information means personally identifiable financial information ( i ) provided by a consumer to a financial institution ; ( ii ) resulting from any transaction with the consumer or any service performed for the consumer ; or ( iii ) otherwise obtained by the financial institution. ( B ) Such term does not include publicly available information, as such term is defined by the regulations prescribed under section 6804 of this title ( C ) Notwithstanding subparagraph ( B ), such term ( i ) shall include any list, description, or other grouping of consumers ( and publicly available information pertaining to them ) that is derived using any nonpublic personal information other than publicly available information ; but ( ii ) shall not include any list, description, or other grouping of consumers ( and publicly available information pertaining to them ) that is derived without using any nonpublic personal information. to a non affiliated third party, UNLESS, ( A ) a financial institution clearly and conspicuously discloses to the consumer in writing or electronic form or other form permitted by the regulations prescribed undersection 6804 of this title, that such information may be disclosed to such third party ; ] Synchrony disclosed in the application that they MAY disclose information to CRAs, However Synchrony failed to follow section B. ( B theconsumeris given the opportunity, before the time that such information is initially disclosed, to direct that such information is not disclosed to such third party; and ( C ) theconsumeris given an explanation of how the consumer can exercise that nondisclosure option. Which was not done, and Permissible Purpose 15 U.S.C 1681 ( a ) Subject to subsection ( c ), any consumer reporting agencymay furnish aconsumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of theconsumerto whom it relates. This right was not granted and Principal was not contacted, violating principals consumers rights. And a violation of 16 CFR Part 313.1 Purpose and Scope. Also 15 U.S.C 1681 ( a ) Section 2 ExclusionsExcept as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between theconsumerand thepersonmaking the report ; Synchrony Bank directly violated by reporting non public personal information in regards to transactions and experiences further causing harm to consumer. Synchrony is in direct violation of my consumer rights. Synchrony refuses to follow consumer rights laws. 

Remove accounts from my credit report XXXX XXXX
Product: Credit reporting or other personal consumer reports

I would like to dispute inaccurate and harmful information on my credit report that is negatively impacting my XXXX score. 
Below are the details of the accounts in question : XXXX XX/XX/year>2023 XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX/2023XX/XX/year>
Product: Credit reporting or other personal consumer reports

I got an auto loan for a XXXX XXXX XXXX from XXXX XXXX XXXX in XX/XX/XXXX. O contacted XXXX XXXXXXXX in XX/XX/XXXX to advise them I was not able to pay for repairs needed on the car and also I was not able to afford the car any longer. I spoke to XXXX XXXX on numerous occasions about this matter and let them know I wasnt in possession of the vehicle. I spoke to someone in the " impound dept '' for XXXX XXXX a male to let him know that the vehicle was at XXXX XXXX XXXXXXXX XXXX I was told they would go pick up the car. I was told it may or may not be considered a repossession. This was a voluntary repossession because I gave them back their car. Since then XXXX XXXX has kept adding fees as if I still have the car for monthly payments I paid when I had the car of XXXX XXXX monthly. They have continued to charge me this and I do not have the car. They have sent negative marks on my credit report as well. I have tried to dispute this and they continue to put negative balances on my account applying these fees monthly as if I had the car in my possession. They have basically harrassed me by calling every single day sometimes up to XXXX times a day. Ive had to get my number changed due to this. Its been constant harrassment. I have notified the XXXX of this as well because I am no longer responsible for this car as of XX/XX/XXXX. Whatever has happened or whoever has the car now is responsible for whatever fees. The car shouldnt even be in my name anymore. A XXXX employee looked up the vin and it showed another company or persons name has this car so why are they constantly reporting negative marks on my credit report and constantly calling sending mail to my family members home? This is Not my vehicle anymore! I gave it back to them! I no longer have any ties to this car and the negative marks and balances for this car needs to be removed!
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Transunion for failing to conduct a proper investigation into my disputes and instead accusing me of using an unauthorized third party to submit my requests. I mailed a dispute letter to Transunion, disputing inaccurate personal information and accounts on my credit report. I made sure to include copies of my photo ID, social security card, and a recent bill with my current address to verify my identity. 
The letter was mailed on XX/XX/year> ( USPS certified mail tracking number XXXX ), and I received a response dated XX/XX/year>. The response stated : " 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 Fair Credit Reporting Act ( FCRA ), Transunion is required to conduct a reasonable reinvestigation of any disputed information in a consumer 's file. It appears that Transunion has violated my consumer rights by failing to investigate my disputes and falsely accusing me of using an unauthorized third party.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was shocked when I reviewed my credit report and found late payment on the dates below : FSTPROGRESS XXXX XX/XX/XXXX DEPTEDXXXX XX/XX/XXXX and XXXX and XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Product: Credit reporting or other personal consumer reports

currently I do not have a score on XXXX  credit bureau because TD Auto Finance reported to XXXX that I was deceased I have called XXXX to prove that I am alive they said to call TD Auto to let them know and they can not find me in there system. I have called many times with both sides not helping me this is causing problem for me to obtain any credit cards, or allowing me to purchase a home I need something to happen I need help to resolve this asap
Product: Vehicle loan or lease

my loan was for 3 years but as i checked my credit report it says 6 years
Product: Checking or savings account

I had a fraud issue on my business checking account. In XX/XX/2022 I wrote a check from PNC Bank of amount {$1000.00} to pay car loan, but this check was stolen, altered to another name for {$4000.00} and withdrawal by somebody from my checking account. I contacted to PNC Bank, reported a Fraud. They sent me a letter dated XXXX XXXX! with time frame regarding the proofs, but I received a letter XXXX XXXX! I send all proofs by XXXX. Finally I received a letter from them dated XXXX that said they denied my claim.
Product: Credit reporting

Credit Bureau did not remove a paid lien which was withdrawn by the IRS.
Product: Money transfer, virtual currency, or money service

Initial contact with coinbase : Coinbase XXXX XXXX XXXX  has XXXX of my dollars in limbo Just another post confirming Coinbase XXXX will send your tokens with no Memo and it will be lost if you use the coinbase XXXX XXXX sent XXXX $ to another exchange and know for certain that it had the memo on there as I used a saved address that has worked without issue in the past more than once. I have created a case # XXXX and the first response was them saying the transaction went though and went to the right address. But without that memo i will never see it and it is gone. Coin base where are you at? you should immediately cease withdrawals requiring memo on you app and refund me all my money as it is lost. then Fix your app. your a huge company and this issue is all over the internet with multiple confirmations that the app is bugged. 

Hello XXXX, Thanks for reaching out. 

We're aware of this issue and working to fix it as soon as possible. 

Cryptocurrency transactions on the blockchain are irreversible, meaning after they are sent, there is no way for us to reverse the transaction or recover these funds. 

Our best recommendation would be to reach out to the party you intended to send these funds to and see if they can help you recover the funds. You can provide them with the link to your transaction available here : XXXX XXXX XXXX We appreciate your patience and understanding. 

Kind regards, Coinbase Support This is unacceptable as they have now stated they know about the issue but basically sorry we cant do anything. The other exchange wants XXXX $ to get it back. I have now asked for a XXXX $ credit to at least cover the recovery fee..at the end of the day its a coinbase error and they should be the ones fixing it and incurring all fees and contacting the other exchange not me. So as of now i am still out XXXX $ and nothing has been said by coinbase of how they will make this right.
Product: Credit reporting or other personal consumer reports

I am submitting this letter to address inaccuracies on my TransUnion credit report and to request necessary corrections as outlined below : Collections and Charge-Offs Account : XXXX XXXX ( Account # XXXX ) Balance Owed : {$3600.00} High Balance : {$4600.00} Status : Closed, listed as Charge-Off I request a full debt validation to ensure the accuracy of this charge-off report, in alignment with the FCRA requirements. 

Account : XXXX XXXX XXXX ( Account # XXXX ) Balance Owed : {$16000.00} High Balance : {$28000.00} Status : Closed, reported as Charge-Off Please validate this debt as the account has multiple reported late payments and a charge-off status. Accurate validation documents should be provided per FCRA regulations. 

General Instructions Please update my personal information to reflect only my accurate address and remove any previous addresses or consumer statements not associated with my record. 
I request that these adjustments be completed within 30 days, with written confirmation and an updated report sent to me. 
Thank you for your attention to these requests. I look forward to confirmation that these adjustments will be completed promptly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a credit dispute around XX/XX/XXXX and results were mailed back to me that dated XX/XX/XXXX. A previous dispute was submitted before this one, but I can not recall the dates. This dispute was to correct an error showing that a collection occurred on XX/XX/XXXX for a student loan from XXXX XXXX XXXX XXXX. I had provided a statement from XXXX stating that the account was paid in full as of XX/XX/XXXX. I tried to explain that the account was not a collection but should have been a paid-off status, even reasoning that an account could not possibly go from good standing to a past due collection. All of these attempts to change the incorrect information have failed. The XXXX account marked as a collection in XX/XX/XXXX needs to be changed to a good standing account that was paid and closed in XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX, FL XXXX XXXX XXXXXXXX XXXX Balance Owed : {$230.00} XXXX XXXXXXXX Balance Owed : {$2800.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$6600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I've always made sure that payments on this account are timely, never allowing them to become overdue. However, I'm unsure about the reasons behind reports of late payment remarks on my accounts. As per 15 USC 1666b - Billing Error, corrections should be made.
Product: Credit card or prepaid card

From XX/XX/2021 to XX/XX/2021 I had numerous unauthorized transactions totaling in {$2600.00}. I was at this time incarcerated and unable to make these purchases. I have tried to file fraud charges with Chime multiple times only to have them continuously denied my claim. I was able to recover some of the money however I am still needing a total of {$2400.00} from Chime. I have given Chime proof of incarceration from the state of XXXX police report number, and an affidavit of stolen identity. However, Chime is still refusing to return the money from the fraudulent charges or even flag these charges as being fraudulent so that we may get assistance from the sellers To find the person who actually used the card. Chime is claiming that they find nothing wrong with their transactions however I have given them proof that I was behind bars at the time of these transactions therefore making All of these transactions are an authorized. I am needing the funds to be returned and I am needing these charges to reflect as fraudulent so that we may find the actual perpetrator. I have multiple documents that I can include if there is a place to upload.
Product: Credit reporting, credit repair services, or other personal consumer reports

MY NAME IS WRONG AND 1 PREVIOUS ADDRESS IS WRONG
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit report I found personal items that are not correct. 

My name is XXXX XXXX - please remove XXXX XXXX XXXX and XXXX XXXX XXXX My telephone number is ( XXXX ) XXXX - please remove ( XXXX ) XXXX My address is XXXX XXXX XXXX, XXXX XXXX, CT XXXX - please remove these addresses that I have never lived at or may belong to relatives. 

XXXX XXXX XXXX. XXXX XXXX, XXXX, CT XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX, XXXX XXXX, CT XXXX
Product: Mortgage

Bank of America failed to satisfy the mortgage on our home and or release the lien on our home. This mortgage has been paid in full for 8 years. We and our bank have made numerous requests for Bank of America to rectify this situation and they have done nothing. They do not return phone calls, they will not let you speak to a supervisor. We have been trying for 3 weeks just to get someone to tell us where they are in the process and they refuse to give us any information.
Product: Vehicle loan or lease

Have been put on hold numerous times, transferred to different departments multiple times. The vehicle has been paid off for 2 months, am making payments to my credit union, and on their website they say that the title or lean release paperwork would be mailed within 10 business days, but has yet to be sent to me. Have called many times, same modus operandi, transfer, the next person says they're not the correct department. This also happened when I first called to purchase vehicle. There was a verbal agreement that was not fulfilled, and a repossession letter was sent out to us, so we reclaimed the vehicle and started the process to purchase it out right, which was completed. But subsequent paperwork was never sent to us so a license plate and title could be acquired.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act ( XXXX Account # XXXX ), ( XXXX XXXX, Account XXXX XXXX ), ( XXXX XXXX XXXX, XXXX XXXX XXXX Account 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, credit repair services, or other personal consumer reports

My consumer rights were violated under 15 usc 1681b ( a ) ( 2 )