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

XXXX ; Experian and XXXX  are reporting incorrectly that I am ( 30 ) days late on the XXXX XXXX XXXX partial account number ****XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against TransUnion for their refusal to investigate inaccurate items on my credit report, despite my requests and efforts to rectify the situation. 

On XX/XX/2023, and XX/XX/2023, 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. However, TransUnion has refused to conduct the investigation, disregarding my legitimate concerns and rights as a consumer. 

These inaccuracies and incorrect personal details have negatively impacted my financial standing and credibility. Despite my compliance with all necessary procedures and requirements outlined by the Fair Credit Reporting Act ( FCRA ), TransUnion 's refusal to investigate the disputed items has caused unwarranted stress and financial implications for me. 

I made sure to include a copy of my photo ID, social security card, and recent bill with my current address to help TransUnion verify my identity and address. 

I received a response back from TransUnion dated XX/XX/2023, stating 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. 

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. I am seeking intervention from the Consumer Financial Protection Bureau to compel TransUnion to fulfill its obligation to investigate the inaccuracies on my credit report in accordance with the FCRA guidelines.
Product: Money transfers

I sent through the RIA financial services branch located in XXXX XXXX Ca. with the amount of {$780.00}, cahrges/taxes {$39.00}, TOTAL {$810.00} on XX/XX/2017 but the transaction was n't done and was canceled on XX/XX/2017 and when I go to that branch location, the agent there does't give me my money back because she has n't received the order from her manager or supervisor. Then when I call to check if my money is ready to pick up, the agent is telling me that until she gets the confirmation or approval, she will call me but the time period of 10 days in overdue with no answer from them.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; Experian and XXXX  should not be reporting me as an authorized user on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User on this account. I have also contacted the bureaus to remove this account however, I have not been successful. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This negative reporting is harming my credit score and this line item need to be removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested on numerous occasions to DELETE XXXX XXXX XXXX XXXX  XXXX XXXX CA XXXX from my Credit Report. 
Fraudulent Account still has not been removed XXXX Equifax has taken No Action. I am currently speaking with an FCRA Attorney if this has not been resolved within and appropriate time frame, I am also notifying the Department of Defense regarding the gross neglect of Equifax and how it has impacted my credit. The credit score is affecting my ability to close escrow on my VA Home Loan.
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 Equifax credit bureau is required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account 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 item and update it immediately in my report : XXXX XXXX XXXX XXXX. Also, I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached. XXXX XXXX XXXX. Please correct and update ASAP.
Product: Credit card or prepaid card

On XX/XX/2019 I filed a complaint with Paypal concerning a charge on my debit card. Paypal failed to  determine whether an error occurred within 10 business days. On XX/XX/2019 I contacted Paypal and asked if there was anything that I should do to complete the claim, to no avail. No provisional credit was provided and no determination of whether an error occurred was provided until XX/XX/2019 when my claim was first denied.. I request a final provisional credit be provided by Paypal. On XX/XX/2019 Paypal received additional documentation from me. On XX/XX/2019 Paypal merely said that the next update would be on XX/XX/2019, to no avail. I requested another update and on XX/XX/2019 Paypal said no provisional credit issued because of the nature of the dispute with merchant.On XX/XX/2019 in response to another request for an update from me, Paypal said my dispute not covered by Regulation E. On XX/XX/2019 again in response to, my request for another update, Paypal said it was not a billing error. 

Paypal violated 12 C.F.R. Sec 1005.11 ( c ) ( 1 ).
Product: Credit card

Capital One has been reporting and billing me credit card repayment that, I, the Beneficiary allegedly owe. However me being the beneficiary it doesn't benefits me to repay. I am writing to address the matter of the debt associated with my account. I am the beneficiary of the XXXX XXXX Living Trust, and repaying this debt is not beneficial based on a careful consideration of various factors. Firstly, I would like to draw attention to the etymology of the word " repayment, '' which implies paying again. As a beneficiary of a living trust, it is my understanding that repaying an alleged debt would mean paying twice, which does not align with the equitable principles that govern trust relationships. Everything is a trust. How? Because everything is an agreement and if anything has my name on it thats a legal title of my estate. Now lets look at the word credit which means trust. Now lets look at the word report which means property. My credit report is my trust report which is my property and estate. Furthermore, the maxim of equity states that equity does not punish. Repaying an alleged debt, particularly one that may not be legally enforceable or valid, could be perceived as a form of punishment. Equity regards the beneficiary as the true owner, and the trustee is obligated to uphold their duties in settling the account. Considering the aforementioned principles, I kindly request the following actions : Account Review : I request a thorough review of the alleged debt associated with my account in light of the trust relationship and equitable considerations. Account Settlement : If the debt is found to be valid and legally enforceable, I request clear instructions on settling the account. As the beneficiary, I trust that the trustee will uphold their duties to settle the account. Removal from Credit Reporting Agencies : I request the immediate removal of any adverse reporting related to this alleged debt from credit reporting agencies, as it is not beneficial to the beneficiary 's interests. You're furnishing this information to the credit reporting agencies which makes you the trustee. If you're not the trustee then you're a stranger. Its three parts to a trust. Trustee, settlor, and beneficiary. If you're not the trustee then you need to hand me my property back. I appreciate your attention to this matter and look forward to a fair and equitable resolution. If there are any specific procedures or documentation required to facilitate this process, please provide them at your earliest convenience. Thank you for your understanding and cooperation.
Product: Checking or savings account

I have been charged numerous times throughout 2021 with fraud charges that I have not authorized. I have had to have my debit cards closed and replaced 4 times in the year. Most recently XX/XX/XXXX for XXXX different charges equalling {$130.00} The provisional credit was reversed with explanation that the companies provided proof, however, I can not get through to these companies as I do not have accounts with them. This is a constant issue I have with keybank and have never had with my other banking institutions. My accounts never seem to be secure and not getting the protection from Key
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report and am disputing information concerning my payment history. Since XXXX I have been disputing the accurateness and recently again there was an oversight on my account which has prompted me once again to make my final attempt to rectify this problem. 
I am writing again in an effort to correct the derogatory statements on my credit report. 
As I stated I have contacted customer service on several occasions and was finally instructed to send a copy of my report so that it could be fixed because they were not aware of this problem. I sent via fax provided and email XXXX and again XXXX. 
While on active duty in the XXXX XXXX I opened my account, I opted for it to be deducted from my bank account to ensure on time payments. I was told it would be and initially I did n't have any problem because the payments were deducted as you can see with a review of my account. I medically retired from the military in XXXX and choose for the draft out of my account to continue and even upon military out processing my account was current because you can not discharge from the military with a debt. I am currently attempting to purchase a home for me and my children and was made aware once again of the derogatory statements listed on this account. This problem was to be resolved but yet again on XXXX XXXX XXXX I received correspondence that my account was past due. I was frustrated again as the agreement was that an automatic payment would come out monthly- which it indeed was. I was told that it would adjust to the balance on my account. After hours of painful waiting and multiple customer service attempts I was able to get someone to look into it and once again fix the problem- I was told they did n't make it self adjust. I say all that to say this- the times were not in fact accurate that I was not making the payments or late .... because they were set on auto draft and with the help of customer service this system/operator error was found. I am asking that you please fix my credit reporting to reflect that payments were indeed made and no late past due XXXX days as shown. As for the amount, I should not be held accountable for something beyond my control. In addition I never received any correspondence that it was n't being paid. I do n't know where it would have been sent to because I relocated from XXXX XXXX upon my retirement and home of record was provided. As you can see I have had no issues with paying my account and was even denied an increase due to this negative reporting on my report. I have served this country and value the honor and respect I give to others and attempt to pay all my debts as promised. I would greatly appreciate this matter to be resolved quickly and would like to say thanks in advance.
Product: Credit card or prepaid card

In XX/XX/2022, while on XXXX XXXX with the Virginia XXXX XXXX XXXX, I applied for and was approved for, the American Express XXXX XXXX. While still on XXXX XXXX American Express charged the {$690.00} annual fee to my account. I immediately contacted American Express and and requested it be removed pursuant to the MLA. They denied it. I have since contacted them XXXX more times and asked for the fee to be removed. They denied the XXXX additional requests and have simply ignored my XXXX request. Now, I am no longer on XXXX XXXX. However, when I applied for the card, was approved for the card and was charged the {$690.00} fee, I was on XXXX XXXX. My XXXX XXXX status at the time I applied for and was approved for the card was greater than 90 days.
Product: Credit reporting or other personal consumer reports

Hi my name is XXXX XXXX XXXX XXXX XXXX a new inquiry on my report that was not by me. Please have it removed as i am a victim of identity theft and am unaware of this account.
Product: Mortgage

In XXXX of XXXX Lakeview Lan Servicing LLC ( subservicing by XXXX ) contacted us and stated we had not made our XX/XX/2021 mortgage payment. We submitted proof the payment was made electronically by our local bank, XXXX XXXX XXXX. XXXX later sent us a letter telling us it was their mistake. 

XXXX sent us an email around XX/XX/2021, stating they had not received the XX/XX/2021 payment. I called and spoke with XXXX and XXXX on XX/XX/2021, and told them our bank, XXXX XXXX XXXX, had electronically paid them on XX/XX/2021. So the XX/XX/2021 payment was made a day EARLY. I later confirmed that by contacting XXXX XXXX XXXX. 

Yesterday, ( Saturday XX/XX/2021 ) we received a letter from XXXX stating we had not made the XX/XX/2021, mortgage payment. They assessed a late fee of {$22.00} and stated we had not made the XX/XX/2021 payment. 

We have been paying XXXX the exact same way since the inception of the loan, ( about five years ) which is through a bill pay service with XXXX XXXX XXXX. The payments have been sent automatically since the inception of the loan. 

XXXX is claiming they have not received the payment for XX/XX/2021. I checked our XXXX XXXX XXXX account on line and the payment was debited from our account on XX/XX/2021. So it was paid early. 

Our account number with XXXX is : XXXX My phone number is : ( XXXX ) XXXX LoanCare phone number is : XXXX XXXX  address is : XXXX, XXXX XXXX XXXX, XXXX XXXX, VA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a XXXX XXXX credit card on XX/XX/2020 and I did not get approved so I called them to ask why and they told me that I did not get approved because there was an account reflecting badly on my credit report. I didn't know what account they were talking about because I don't have any negative accounts on my report ; well to my surprise, I found that there is a charged off XXXX/XXXX  account appearing on my credit report. This account does not belong to me. I did not open it nor am I affiliated with that company in any way. I did not benefit anything from that account that was opened in my name without my permission and I never made any payments towards that account. I filed a complaint with the consumer financial protection bureau, filed a XXXX XXXX police report and notified the company that they are reporting incorrect information.
Product: Money transfer, virtual currency, or money service

I purchased a ticket through zelle and XXXX bank, after reviewing ticketmasters policies. XXXX claimed that tickets were instantaneous and not refundable when transferred. After the seller transferred me a ticket and I accepted it a little while later XXXX emailed me saying they were fraudulent. according to ticketmasters online statements once you accept the tickets there is no problem. These tickets turned out to be fraudulent and now XXXX nor zellewill refund my {$270.00}. The ticket transfers were done with in the XXXX app.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX CREDIT BUREAUS they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX MI XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 XXXX XXXX XXXX  XX/XX/2022.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Mortgage

I closed on XX/XX/23. This was about a month after my original payoff date. my payoff amount was approx XXXX the final pay payoff they requested was XXXX I have called and as them to explain but they have been unable to and still state that I did not over pay. also on my last statement it states that I have approximately XXXX in escrow but they only paid me out approximately XXXX. 

I'll attached my initial payoff request for XX/XX/23, the last statement they provided for XX/XX/23 and the closing disclosure.
Product: Checking or savings account

0n XX/XX/2021 located at XXXX XXXX XXXX XXXX XXXX Il Chase ATM at XXXX tried to deposit {$1300.00} cash at Chase ATM , ATM eat my cash didnt go though the deposit and all no any cash can returning back outside of ATM, I noticed Chase bank XXXX and they gave me the case number, still waiting for their investigation result.
Product: Credit reporting, credit repair services, or other personal consumer reports

Westlake Financial Services hasn't notified the 3 credits bureaus that my vehicle loan is paid off. My credit check report incorrectly says my vehicle is repossessed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX  : Account # XXXXXXXX XXXX : account # XXXX, XXXX XXXX : Account # XXXX, XXXX : Account # XXXX, XXXX  : account # XXXX, XXXX : account # XXXX, Dept of Ed/XXXX  : account # XXXX, XXXX : accounts # 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 15 U.S.C 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 of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Product: Payday loan, title loan, personal loan, or advance loan

Of the XXXX of my direct deposit that I was supposed to receive on XXXX I received only XXXX. When I contacted the company they had informed that my account was closed without my authorization and that because it was closed, I wouldn't be receiving my last two paychecks from my employer XXXX XXXX, as of today XXXX. Also, within the month I have been working with the employer I have not once received a paystub. I was also informed by XXXX XXXX yesterday XXXX  that they had no clue where my direct deposit was and that once I figured out where it was to contact them. So, I would like to know where the rest of my XXXX paycheck is and whether or not I will be receiving my next paycheck on XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I sent the Consumer Reporting Agency EQUIFAX a Certified Letter Tracking # XXXX with green return receipt. asking EQUIFAX to do a full investigation of the account that is reporting on my Consumer report.

the Consumer Reporting Agency stated, ACCOUNT NAME : XXXX XXXX, ACCOUNT NUMBER : XXXX was properly investigated and all the information was accurate, but how is that possible if the DATE LAST REPORTED is inaccurate because according to the Fair Credit Reporting Act,15 USC 1681 the CRA ( EQUIFAX ) was suppose to update the date on the date last reported to the date when they verified the account, so because they did not fix the inaccuracies that means they did that do a proper investigation and this is a Violation to my rights as a Consumer.

Also another violation Pursuing to the Fair Credit Reporting Act, 15 USC 1681b - Permissible Purposes of Consumer Reports ( a ) Any Consumer reporting agency my furnish a consumer report under the following circumstances and NO OTHER ( 2 ) In accordance with the written instructions of the CONSUMER to whom it relates.

so EQUIFAX provide me with the permissible purposes document that I the consumer gave you written permission to furnish or publish any thing on my consumer Report.

So now Im REQUESTING the Permissible Purpose document, and if you can not provide this document I demand you DELETE this account
Product: Debt collection

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent account in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any account listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of account/item which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX Date Opened : XX/XX/22 Balance : {$110.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.