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

To my shock, inaccurate accounts showed up on my credit report this morning, and I have no explanation for why this happened. As part of my routine, I checked my report, but for some reason, discrepancies appeared out of nowhere. I even refreshed the browser multiple times, hoping it was an error, but they didnt go away. I desperately need the documents I submitted to be carefully reviewed so I can finally stop living in constant worry over this issue.
Product: Credit reporting or other personal consumer reports

I am a victim of Identity theft. This is my official statement about the XXXX XXXX XXXX Personal Statement Accounts Affected by the Crime Fraudulent Information on Credit Reports FTC Report Number : XXXX First Name : XXXX Last Name : XXXX Address : XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX USA Phone : XXXX Email : XXXX please remove all fraudulent accounts and inquiries. XXXXXXXX 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  Opened by the XXXX XXXX XXXX XXXX  : XXXX XXXX Other Identity Theft Company or Organization : the company Accounts or Charges Yes, fraudulent accounts or charges appear on my credit report Personal Information Social Security Number Date of Birth Names : No Data Supplied Addresses : XXXX XXXX Phone numbers : No Data Supplied Employment Information : No Data Supplied Credit Inquiries XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  Under penalty of perjury , I declare this information is true and correct to the best of my knowledge. 
I understand that knowingly making any false statements to the government may violate federal, state, or local criminal statutes, and may result in a fin imprisonment, or both. 
XXXX XXXX XXXX XXXX XX/XX/XXXX Date Use this form to prove to businesses and credit bureaus that you have submitted an FTC Identity Theft Report to law enforcement. Some businesses might request that you also file a report with your local polic XX/XX/XXXX, XXXX XXXX  XXXX https : //www.identitytheft.gov/confirmation/genericsteps I looked at my XXXX credit report on XX/XX/XXXX, and noticed some things are incomplete and not accurate. According to the Fair Credit Reporting Act ( FCRA ), whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates ( 15 USC 1681 ( e ) ( b ) ). 
Further, under 15 USC 1681 ( 5 ), they are required to do the following : ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general : After any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, if an item of information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall : ( i ) Promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) Promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
Finally, under 15 USC 1681s-2, furnishers of information are prohibited from reporting any information to consumer reporting agencies if they know or have reasonable cause to believe the information is inaccurate.
Product: Checking or savings account

I am filling a complaint with the CFPB regarding Capital Ones failure to deposit my direct deposit from my employer and any other incoming deposits. Capital One has cited technical issues which may violate the Electronic Funds Transfer Act as it requires timely access to funds. This situation raises concerns about consumer protection laws. And I request your assistance in investigating this matter to insure my rights are upheld. Thank you
Product: Checking or savings account

Requesting for someone to contact the intuition to verify a simple payroll check. 

Greetings Inform them that my payroll check has been pending for three days. Faced a huge issue due to this, unable to pay anywhere and also not able to do any kind of transaction. I spoke to multiple Customer service Reps, after being neglected and feed fluff on multiple occasions. The last couple reps were kind and explained the matter. I've have experienced in digital support banking and understand the process, however the actions of The supervisor was unjust and not amenable.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion was misleading on their credit monitoring services in that it charged monthly for a service I never used. Worst of all is that I could not cancel online and when I called XXXX XXXX to cancel, they still did not cancel and still can not cancel online. Finally got it canceled today and disputing all charges with my credit card company.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law Please remove/block the following accounts as they are fraudulent & were opened without my consent or knowledge XXXXXXXX XXXX XXXX XXXXXXXX XXXX opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXXXXXX XXXX XXXX XXXX opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX Date opened XX/XX/XXXX Balance : {$850.00}, XXXX XXXX XXXX Date XXXX XX/XX/XXXX Balance {$0.00}, XXXX XXXX I, XXXX ( Original Creditor : XXXX XXXX. ) XXXX Date Opened : XX/XX/XXXX Balance : {$3700.00}, XXXX XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance : {$3100.00}, and XXXX XXXX XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$0.00}. 

If you claim these accounts are 100 % accurate and verifiable then I need you to provide me with copies of any documentation associated with this account which bears my signature, as I know none exists. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number.
Product: Credit reporting or other personal consumer reports

It is unacceptable that my credit report continues to show accounts that are not mine, dragging down my credit score and credibility. Despite numerous complaints, I have yet to see any action
Product: Checking or savings account

Citibank offered a checking account promotion for new customers. 

1. I opened an account over the phone on XX/XX/XXXX with a Citibank CSR. The online offer stated fund the account in 20 days however the Citibank CSR stated " since we don't have any physical branches in Texas and you applied by phone, you have 30 days to fund the account. I said are you sure. She said absolutely. Please check phone logs. 
2. {$15000.00} was credited to my account on XX/XX/XXXX. 
3. Maintain the balance for an additional 80 days. I maintained the {$15000.00} balance from XX/XX/XXXX to XX/XX/XXXX. 86 days. 
4. Upon successful completion of the above within 90 days a {$300.00} Citibank bonus will be credited to your account. 
5. Spoke with XXXX ( Citibank CSR ) on XX/XX/XXXX, she said promotion code was applied correctly to my account and everything looks wonderful on your account from funding to maintaining the balance. A case was opened XXXX. Still no satisfactory resolution.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX XXXX PA XXXX Subject : Request for Removal of Unauthorized Hard Inquiries Due to Identity Theft Dear, Transunion I am writing to formally request the removal of unauthorized hard inquiries from my credit report. After a recent review, I discovered several hard inquiries that I did not authorize, which are negatively impacting my credit score.

The unauthorized inquiries related to identity theft are as follows : Please remove inquiries below 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 XXXXXX/XX/XXXX Under the Fair Credit Reporting Act ( FCRA ), XXXX have the right to dispute any inaccurate information on my report. Since I did not authorize these inquiries, I am requesting their immediate removal. To assist with verification, I have enclosed a copy of my ID, a recent utility bill, and my credit report with the unauthorized inquiries highlighted. 

Additionally, I have filed an FTC identity theft report with the Consumer Financial Protection Bureau ( CFPB ). 

Please investigate these inquiries and remove them from my credit report at your earliest convenience. I would appreciate confirmation once the removal is completed or guidance on any further steps required. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I wrote a letter to XXXX because I had found out that there was a drop in my credit score for a 30 day late! I was upset and went over my bills and remembered that kohls had taken out three payments due to a glitch while paying on line! I called XXXX  immediately once I saw the three payments that were taken and asked for two of them to be reversed which I have proof that they were! They kept one for payment which I also can prove. I called them back when I found out that the 30 day late was reported and was given a address to send a goodwill letter too which I sent! They sent me back a letter on XX/XX/XXXX stating that they will not remove it! I have had this card since XXXX and have never been late! I am upset that they placed inaccurate info on my credit report and are claiming it was not! They are worried regarding judgment from the credit reporting companies and not concerned that they acted hastily and reported inaccurate information! Please look into this as I can prove that it was paid! Thank you XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is failing to comply with FCRA Sections 605B and is also in breach of Sections 616 & 617 for willfully non complying and neglecting to adhere to the rules and laws of the FCRA. Transunion is failing to block or remove the account from my report. I followed their guidelines. I filed a report on the FTC website, I specified how the identity theft took place, that I did not benefit or receive goods or services from the alleged accounts, I validated the identity theft with a federal law enforcement agency ( which they're claiming I haven't ), I submitted the identity theft reports, provided a report circle the fraudulent account, an affidavit from the FTC website & provide a photo ID for their records. Transunion has claimed the account listed below have been verified and are accurate. I'm truly confused by their antics/tactics on how to report this issue but they are ignoring this dispute and failing to comply with the rules set forth in the FCRA. I need them to be held accountable & have this account blocked/removed : XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX Opened : XX/XX/2014 Balance : {$11000.00}. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States XXXX XXXX XXXX, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but TransUnion is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially... and I would truly not what to pursue a legal remedy ... and the bank 's records ( learned through more research both parties require ). Please block/remove this file. If you feel there is a possibility this account belong to me I require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. This account ( s ) is unknown to me. Also, the information you provided on this account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on this account is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.
Product: Credit card

Synchrony Bank which issues Sam 's Club credit cards is pulling a " XXXX XXXX. '' For the past two months I have been charged late fees and interest on my balance without receiving a statement from them or the statement arrived two days after I was emailed that late fees and interest was charged to my account. Furthermore, I have paid my balance on time and there is no record of it on my statement. When I tried to resolve this matter with the bank with a supervisor I was put on hold for 10 minutes as part of a avoidance tactic. When I called back again to speak with customer service, I was disconnected. I tried again and I was disconnected. It is my opinion that this another tactic banks are using to XXXX customers into paying monthly late fees and interest in an attempt to improve their bottom line. I want those late fees removed and all interest charges removed from my account immediately. This is another example of how banks like XXXX XXXX and Synchrony are XXXX unsuspecting customers to their benefit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent several certified letters to the company with no response since XX/XX/2022.
Product: Debt collection

Last year I went to my pediatrician and paid for services. A few months later intermountain health billed me for the exact visit that I had paid for upfront. They have done this SEVERAL TIMES I always call my Dr office and ask if I really didn't pay and they take care of it. For some reason this one bill just would not get resolved. The bill was for {$27.00} and they kept sending it and I kept sending it to my Dr office. And the billing personnel would always say they will call and get it resolved. Got to the point where it's over 120 days over due. Now I have a debt collector invoice and calling me telling me I owed {$83.00} with a {$27.00} " discount '' so I need to pay {$55.00}. 

This is a Sham!!! I paid for this the day I received services!
Product: Credit reporting or other personal consumer reports

Transunion, XXXX, and XXXX continue to report transaction history to my personal consumer report, violating 15b USC 1681b. None of the 3 aforementioned credit reporting agencies have received my consent or authorization to report this information. The only exclusion permittable related to transactions is between the consumer and the person making the report. Each of these credit reporting agencies, as of today XX/XX/2024, report XXXX adverse items to my personal consumer report. That is XXXX violations of the Fair Credit Reporting Act by each credit reporting agency listed above.
Product: Credit card or prepaid card

In XX/XX/2018, I set up a monthly recurring payment on my XXXX XXXX Credit Card, owned by Synchrony Bank, of {$50.00} per month to be taken out on the XX/XX/XXXX of the month. In XX/XX/2018, the {$50.00} payment was deducted from my checking account as scheduled. On XX/XX/2018,  Synchrony Bank withdrew {$410.00} from my checking account instead of the {$50.00} payment that was authorized. I believe it is illegal from them to deduct payments from my checking account at any amount they please if I did not authorize that amount. I spoke with Synchrony Bank on XX/XX/2018 and they said they could not credit back the payment but they could refund {$360.00}. About 30 days later I received a letter from Synchrony Bank stating that they would not refund the {$360.00}. 

In the meantime, I forgot all about the other Synchrony Bank credit card I have with XXXX. I had also set up a monthy recurring payment with them. I am trying to pay all my credit cards off and get out of debt, but they were all behind. I only set up the recurring payments for an amount that I could afford to pay and still pay my other living expenses. 

In XX/XX/2018, I set up a monthly recurring payment on my XXXX Credit Card, owned by Synchrony Bank, of {$50.00} per month to be taken out on the XX/XX/XXXX of the month. The 1st payment was to be deducted from my checking account via ACH on XX/XX/18. On XX/XX/18, a payment of {$260.00} was deducted from my checking account. I did not authorize this amount, only the {$50.00}.

As you can see, the practices by Synchrony Bank are way out of line. I am starting by filing a claim with you, but my next step will be to file a class action lawsuit against Synchrony Bank, as I am probably not the only one this has happened to.

I request that you contact Synchrony Bank and have them refund the overpayments they deducted from my account. In addition, any overdraft fees that are accumulating on my checking account because I did not know they were deducting the amounts they did and still have outstanding checks and/or debits to other people/companies.

In XX/XX/XXXX, the overdraft fees were {$60.00} due to their withdrawing {$410.00} instead of {$50.00}. I imagine it will be at least that amount by the time my checks clear this week since they took {$260.00} instead of {$50.00}. Right now I have at least 5  outstanding checks/debits that still may clear before I get paid again.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive had multiple new account inquiries trying to open a credit line : XXXX XXXX AMEX XX/XX/2022 Citi Cards Cbna XX/XX/2022 XXXX XXXX I did not inquire about anyone looking into my credit nor apply for any credit card recently.
Product: Debt collection

Upon reviewing my credit report i noticed an account that is listed under MEDICAL.

Two issues with this situation : 1 ) I was never contacted by the collection agency at my address 3 XXXX XXXX, XXXX, NJ XXXX and/or called by the this agency. 

2 ) I have called their office - The number listed on my credit report and explained that I was covered under two medical insurances ( mine and my wife ). The original facility only processed one of the two medical cards for payment hence their was a balance left. 

XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX ) Under hippa my medical information is protected. Where's the medical release form? Why does a third party collection agency have my information? ARS Account Resolution needs to IMMEDIATELY furnish me with a medical release form or remove this account. I take my privacy and my rights serious. 

My expectations : 1 ) I am expecting the negative credit account be removed from both credit reporting agencies.

2 ) They need to give my file back to the original medical facility that needs to properly submit our medical information for payment.

If this matter is not properly resolved after this attempt. I will also be filing a lawsuit against the original creditor that sold this debt and Account Resolution Services as their inability to process the correct paperwork has hurt us financially with a recent car loan.

How can a company submit a negative credit rating for a bill that was mishandled by the original creditor and never even contact me regarding this situation.
Product: Vehicle loan or lease

Thanks, I spoke with a rep at Mercedes Benz Financial at the beginning of XXXX to make my payment for XXXX. The reason I called was my bill was significantly higher than usual. I asked him point blank why was my bill so high this month and after XXXX mins on hold he came back and said I'm not sure actually because you made all your payments on time for the last XXXX years and the lease ends next month and don't see a reason for it at all. So after further review he found out that there was XXXX months from the beginning of the lease that were in deferment during covid when my mom was in the hospital XXXX. So the man said to me on the phone " JUST PAY THE MINIMUM DUE RIGHT NOW ' {$670.00} and the XXXX month when you were in deferment can be paid when you turn your vehicle in to XXXX. I replied great thanks for your help. 

Now after making my XXXX payment of {$670.00} I find out by logging into my credit report that they put a late payment on my credit for the XXXX months of deferment. This is BS and I tried very nicely to tell the manager that I would be filing a complain and fighting this tooth and nail until they click a button in E-Oscar and remove the late payment that " THEIR REP ON A RECORDED LINE SAID THAT I DIDNT NEED TO PAY UNTILL I TURNED THE VEHICAL IN " I made XXXX months payments on time and have a XXXX XXXX XXXX. I have never missed a payment on my credit and it is certainty not because I forgot to make a payment or didn't have the funds to pay it. Please help this means the world to me and my family.
Product: Debt collection

I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please do n't respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. 

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report.