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

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 

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 Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00}.
Product: Checking or savings account

This XX/XX/XXXX, I deposited a pay check whichs amounts is {$2800.00}, into my Capital one saving account. It was posted on XX/XX/XXXX, but they held it since then. I can not use my money. 
I went to their office 3 times. And they said I need to prove that my check is legal. I followed their instructions and provided as many informations as I know. It made me feel I was suspected sort of financial crimes. But finally they said that held still can not be removed because I can not provide the phone number which should relate to the business that I work for. 
I am new XXXX XXXX XXXX. I am in the XXXX period, I am allowed to have a part time job. I work for a XXXX rXXXX XXXX XXXX XXXX already. This check is my salary pay check of XX/XX/year>. I usually deposited them into my XXXX bank account. There was no any problem happens. But Capital one bank is different. They said I must find the correct phone number that relate to the account which the check came from, otherwise they will hold the check for totally two months.

I asked my manager for the phone number. He gave me 5 phone numbers that would be fit for the requirement. The first one is the front desk phone number ; the second is the website phone number ; the third is the managers phone number ; the fourth is the business owners phone number ; the last one is the business owners daughters phone number. But all those five phone numbers are not the correct one. I was so confused and anger with the Capital ones requirement. I think this should be their responsibility to prove the check legal or not, not mine. I am not suspect of any crime, I do not need to prove myself. My job is legal! My pay check is legal too! 
The 2nd time I went to their office they just said the held will be removed after the XX/XX/XXXX. I think it is not a long period, so I chose to wait for the remove. 
However, more ridiculously, they put another held on both my checking and saving account on last Friday morning, XX/XX/XXXX. I went to their office again at today morning, XX/XX/XXXX. They said this unusual situation is relate to the be held check. I still can not prove my check is legal, so they put another held on all my accounts and I am banned to withdraw any money from Capital one bank. I just transferred {$2100.00} into the saving account on XX/XX/XXXX. Totally, {$5000.00} was held. 
I can not accept this because I am XXXX XXXX XXXX already. I am not a simple kid that just graduated from college. Before I came to XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have XXXX XXXX XXXX. I deal with sorts of banks for many years, I never met this stupid situation before, in any other country. 
And furthermore, which made me to decide to complain them is they said today, they will investigate my accounts, before the investigation is ended, the held on my accounts will not be removed. 
I think they are fooling me. They just do not want me to use my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

From my experience, Experian is no good credit bureau agency. They keeps changing the dates of old debts, doesn't investigate correctly. I keep disputing and nothing changes. I am requesting that XXXX  deleted XXXX XXXX XXXX account, XXXX XXXX XXXX account, XXXX XXXX XXXX account of my credit report.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I sent a dispute letter to Transunion via USPS certified mail tracking # XXXX to address inaccurate items on my credit report. Along with this letter, I provided documentation to verify my identity, including a copy of my photo ID, Social Security card, and a recent utility bill with my current address. 
In my dispute, I explicitly requested specific information regarding the verification process : -Details on how the disputed item was verified. 
-The date when Transunion contacted the creditor and furnisher. 
-Contact information for the creditor and furnisher. 
-The name of the individual who verified the item. 
-The method of communication used to verify the disputed information ( e.g., phone, email, mail ). 
-Confirmation on whether the creditor and furnisher provided any sensitive personal information, such as my Social Security Number, address, and date of birth during the verification process. 
I received a response from Transunion dated XX/XX/XXXX with the following statement : " We received a recent request regarding your credit information that does not appear to have been sent directly by you or to be authorized by you. As a precautionary measure, we have not taken any action on your alleged request. '' This response is wholly unacceptable and constitutes a clear violation of my rights under the Fair Credit Reporting Act ( FCRA ). Under the FCRA, Transunion is legally obligated to conduct a reasonable reinvestigation of any disputed items in a consumers file. By refusing to investigate my dispute, despite receiving clear verification documents and a detailed requestTransunion has failed to fulfill its statutory obligations. 
To support my claim, I have attached a copy of my original dispute letter and Transunions response.
Product: Credit card or prepaid card

On XX/XX/XXXX and XXXX I had XXXX taken out of my account without my authorization. I have phone alerts set up to my phone which never went off, I went to withdraw money at the ATM and it said I have reached my limit for the day, so I immediately went on my account and it said I withdrew XXXX that day.Then went on to find more was withdrawn the day before.I immediately called Bank of america, got my card canceled and a new one sent out and the remaining balance transfered to a different account so I wouldn't have any more issues, and filed a claim.I have been speaking with different people everytime I call and have been getting the run around.They have asked me to file a police report, I did that.Then I was asked to send a statement of my whereabouts that day, I did that.I keep getting denials on my claim which they are being sent out a day after every time I speak to someone on the phone so I'm not sure how it's being investigated that fast.So then I filed a complaint with this company and I received a email from a resolution specialist XXXX XXXX, asking to call her.I have called numerous times left numerous messages, no call back to this day.So I called again to the claims department and now was asked to submit the police report with a copy of my driver 's license.Which I have now done.Now I have waited a week called back again and they really nothing more to say.I have done everything they asked.I told them to look on their cameras they told me they were not working that day, which now a different person has told me they always work.So I'm not understanding why here it is XXXX and still have not received my money back.
Product: Debt collection

I made settlement with collection agency and paid the agreed amount. The agency after this, reported the XXXX Credit Bureau that I have a balance of the remaining amount. It dropped my score for almost XXXX points. When I called the agency to find out why they did it, they have no valid answer. I requested to speak with the supervisor, but he wo n't talk to me. I am planning to buy home soon, but now due to this I have to wait for months before my score gets up. I am really frustrated and request you guys to ask this collection agency why they did this. The debt is about three years old. They never contacted me. Recently, like they called me a month ago, and I settled the debt. During the last three or more years the agency never reported this debt this to any Credit bureau, but as soon as I settled this this debt they reported to the Credit bureau that this is a collection account. I really do n't understand this. All I can think is sheer negligence, incompetence, and carelessness on the part of the agency
Product: Credit reporting or other personal consumer reports

It has been brought to my attention that you are not removing files when theyre sent with an XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian regularly allows collection agencies that have bought an old bad debit to reage the debit. Everytime I dispute when this happens, they immediately decline my dispute and say the information is accurate and was verified as such with the collection agency without truly investigating. The current issue is with debt posted by XXXX XXXX XXXX, where they bought a debt from XXXX XXXX, originally delinquent 2015.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, DEPT OF EDUCATIONXXXX, 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 Company Inquiries : XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to file a formal complaint regarding the mishandling of my credit report by a company within your jurisdiction. Despite submitting a dispute on XX/XX/2023, through certified mail with tracking numbers # XXXX ( XXXX XXXX, # XXXX ( Transunion ), and # XXXX ( XXXX ), the company within your jurisdiction has failed to address my dispute. 

I have made multiple attempts to follow up with the company within your jurisdiction, but it appears they are deliberately avoiding my dispute by not picking up my documents from the post office. This is not only a violation of my rights as a consumer, but it is also a clear infringement of the Fair Credit Reporting Act. 

I demand that the Consumer Financial Protection Bureau takes immediate action to investigate and address this matter. I also request that you hold the company within your jurisdiction accountable for their failure to respond to my dispute and for any further delays or non-responsiveness. 

As a consumer, it is my right to have my credit report accurately reflect my creditworthiness, and I will not tolerate any further delay or mishandling of my dispute. I expect a prompt and satisfactory resolution to this matter. 

Thank you for your attention to this matter.
Product: Credit reporting

I noticed a debt collection on my Transunion credit report that was inaccurate. I disputed it and the following day I received a call from debt collector. When I questioned the debt, he became rude and disrespectful. He also used offensive language and threatened me. After speaking with debt collector I called original creditor to validate debt and they had no record of debt. I faxed the debt collector a validation letter and received a call from debt collector saying my 30 days were up. I never received any letter or call before I disputed debt. The dispute came back as VERIFIED, NO CHANGE. I called Transunion to question the results and I was told to dispute it again. Once again I received threatening calls from debt collector. After a couple of weeks I received result of dispute and once again it stated VERIFIED, NO CHANGE. Next I wrote Transunion stating " Under the provisions of the 1977 Federal Fair Credit Reporting Act, I hereby request that your agency prove to me in writing the accuracy of the reporting of this account. Under the terms of the Act and succeeding court cases, you have thirty days to prove to me the accuracy or you must remove the account from my Credit Report '' via certified mail. Soon after I received another threatening call from debt collector and same results from Transunion " VERFIED, NO CHANGE. This is FRAUD and needs to be removed from my credit report. My credit score has lowered and I have been trying really hard to have excellent credit.
Product: Credit card

I was sold this medical specializing credit card in XXXX store. The sale specialist claimed this card has interest free for 12 months as promotional selling point. The first couple statements did not include a very important message : I need to pay back my entire balance by this 12 promotional months, otherwise, I will be charged for accrual interest based on everyone month remaining balance. And the first couple statements always provides very confusing, stand-out, bolding information as minimum payment due is XXXX. I was charged for {$700.00} dollars eventually, even though after 12 months, the remaining balance was {$400.00}. The credit card company insisted that I have to pay accrual interest from the first month and based on my every month balance. The credit card company called I was sold this medical specializing credit card in XXXX store. The sale specialist claimed this card has interest free for 12 months as promotional selling point. The first couple statements did not include a very important message : I need to pay back my entire balance by this 12 promotional months, otherwise, I will be charged for accrual interest based on everyone month remaining balance. And the first couple statements always provides very confusing, stand-out, bolding information as minimum payment due is XXXX. I was charged for {$700.00} dollars eventually, even though after 12 months, the remaining balance was {$400.00}. The credit card company insisted that I have to pay accrual interest from the first month and based on my every month balance. The credit card company called XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The companies below have reported inquiries onto my report and I have not given them the authority to do so this was under fraudulent activity. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
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. 

I told the Experian, XXXX, and XXXX to reinvestigate these accounts : Account name : TN Child Support XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tn Child Support  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX However , they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to report an ongoing issue with a credit bureau regarding the removal of fraudulent inquiries from my credit report. Despite multiple attempts to contact the credit bureau, they have failed to remove these fraudulent inquiries and have violated my rights under the Fair Credit Reporting Act ( FCRA ). I request your assistance in resolving this matter as soon as possible.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX is reporting inaccurate information the following accounts date last active is incorrect I notified the company via postal mail on XX/XX/XXXX the company has responded that all information remains the same and I disagree there reporting in accurate information and are in violation to 15 U.S.C 1681 XXXX is reporting XX/XX/XXXX XXXX is reporting XX/XX/XXXX Equifax is reporting XX/XX/XXXX 2023
Product: Debt collection

After receiving my consumer report from Equifax, I noticed a few fraudulent inquiries and accounts. The FCRA intends to secure consumer rights to privacy, and my privacy has been breached. After stating claim and disputing the fraudulent inquires and accounts, Equifax is still reporting the negative/inaccurate accounts on my consumer report. Im reporting this activity to CFPB because my rights have been violated. Pursuant to Fair Credit Reporting Act, 15 USC 1681n, Equifax willfully failed to comply with the requirement under the provision of 15 USC 1681 ; therefore, Equifax is civilly liable for causing me mental anguish. I have attached all supporting documents along with my Affidavit of Truth and FTC report.
Product: Credit card or prepaid card

On XX/XX/XXXX we have made an online payment of {$4100.00} from our primary bank 's ( XXXX ) bill pay service to an American Express charge card that we use for business expenses. Later that weekend we have discovered that our payment did not go through and upon further investigation found out that we had accidentally sent the money to the wrong account number which was from American Express but not the correct card. The money went to an American Express card that we had a long time ago but which is has not been active for a more than 4 years. 

That following week we had made a number of calls to customer service centers. We began by contacting American Express, no matter how many times we tried to say that we have the proof of payment they would always state that the account number that we sent the money to has been transferred to XXXX XXXX and we should contact them instead. 

Upon contacting XXXX XXXX with the same account number and proof of payment multiple times and speaking to multiple people each one of them told us that they can not locate an account with that number and they can not locate a transaction using the trace ID from the proof of payment. 

At this point we were sure that the only way to return our money was to go to our bank directly ( XXXX ) and ask the claims department to get it back. However, even there we were told that there was nothing they could do since we were the ones that initiated the payment. After calling in a circle atleast one more time we decided to speak to a banker at our local branch to try to find a solution to the problem. Unfortunately when our appointment time came, the only information they could provide us is to call back American Express with the proof of payment since on XXXX 's side there is nothing they could do. 

We are exhausted and no longer know what to do as each one of the three banks that are involved are sending us in a circle. We hope that bringing attention to this issue can resolve the situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX continues to report the account status of an account discharged in a chapter XXXX bankruptcy, every month on TRANSUNION. A letter was sent to XXXX to ask them to stop, but in response, XXXX has now updated that status to current on XXXX  as well. Credit score dropped 26 points.

They must stop monthly reporting and updating the status fields status updated on and balance updated every month. This can be seen as an attempt to collect a debt that has been discharged in a bankruptcy, a violation on the FCRA.
Product: Money transfer, virtual currency, or money service

I was trying to sell a couch through XXXX XXXX yesterday XX/XX/2033. A scammer pretended to be a buyer and said she would send money through XXXX but then we had to send money first to XXXX  to XXXX business. We received several emails from what appeared to be XXXX  on what to do. We sent {$320.00} to their XXXX  account and received instructions to send more money. Realized it was a scam and called bank ( chase ) who was unable to cancel transaction and we submitted a claim and they opened investigation. Investigation has been closed with no further action being taken. Also made report with XXXX but have been told money won't be recovered.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Auto Loan with account # XXXX opened on XX/XX/year> and a balance of {$0.00}. 
This account is incorrectly reporting that I have 32 late payments with XXXX. On my XXXX report there are 12 late payments being reported. Equifax is showing account past due and balance is {$0.00} Please investigate the inaccurate information per 15 U.S. Code 1681 this account is being reported inaccurately and these matters are hurting my credit score and per Fair Credit Reporting Act ( FCRA ), the inaccuracy of this reporting needs to be deleted asap. Per CFPB laws and regulations, I am demanding this inaccurate account be deleted now or be subject to penalty and civil action lawsuit with a violation of {$1000.00} per day this inaccurate account with inaccurate information is being reported. Thank you for your assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXXXXXX 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 an account without my written instructions