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

In accordance with the Fair Credit Reporting act : XXXX XXXX XXXX # XXXX, XXXX XXXX  XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX never has violated my rights. 

XXXX XXXX XXXX # XXXX I never made a late payment on this account, please correct. 
XXXX XXXX  # XXXX, I never made a late payment on this account, please correct. 
XXXX XXXX  # XXXX, I never made a late payment on this account please correct. 

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.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit reports from Trans Union, XXXX and XXXX. after reviewing all three credit reports ; there is a collection from XXXX XXXX XXXX MO for the amount of {$680.00}. XXXX XXXX XXXX MO does not have the legal authorization to collect this debt from XXXX XXXX this debt is not validated. I request a complete validation of this collection. they have violated the XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

A representative sent a text after I went online to inquire about a vehicle. And selected there PRE APPROVAL OPTION with no effect to your credit. The representative called and sent multiple text about not completing the pre approval. He provided reassurance that it is a SOFT HIT and will not damage my credit. I stopped based on me knowing my credit score. The rep proceeded to call and sent texts stating that there will be no impact to my credit report. I filled out pre approval. I then called the rep and stated my credit score just dropped and was told it shouldnt have. I then contacted general manager after my credit showed an inquiry and was told that the inquiry will stay on my report for 3 days and fall off. This occurred with XXXX XXXX XXXX NC in XXXX, NC. I did ask if the calls are recorded and they provided that their calls are recorded.
Product: Credit reporting or other personal consumer reports

I don't understand why it took XXXX and Equifax so long to investigate and applied the necessary solution to these accounts. 

XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX have them deleted back in XX/XX/2023. Confirmed that these accounts were incorrectly and inaccurately reported.

As a consumer, I understand that under the FCRA law, they have clearly emphasized that Consumer Reporting Agencies should have an automated system in place for furnishers of the information to communicate the inaccurate and incomplete information with other consumer reporting agencies ESPECIALLY if the accounts are reporting the same information. 

Moreover, FCRA also stated that once a furnisher deems an account to be inaccurate or incomplete they must relay/communicate the information with all consumer reporting agencies that they are furnishing the information to. 

It's very upsetting that XXXX and Equifax are not taking this law seriously and are not doing their due diligence of practicing fair and impartial resolution.
Product: Debt collection

I received credit alerts notifying me Fair Collections & Outsourcing , Inc . 
was reporting a debt owed under my name for {$700.00} upon contacting the company I was informed it was from a apartment complex ( XXXX XXXX XXXX ) located in XXXX, GA that I never applied for or lived in. I submitted the info they asked for to clear my name and have the account removed from my credit but so far I got no response. Both the collection agency and Apartment complex refused to give me any information of send copies of the original application. this fraudulent account is impacting my life and financial freedom to provide for my family as it is being reported to my credit file.
Product: Credit reporting or other personal consumer reports

The Credit bureaus stated Account Name & Account XXXX was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal. They also they violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish a account without my wtten instructons.

I haven't given these accounts written permission to furnish these accounts on my credit report
Product: Checking or savings account

I'm a victim of a card skimmer that was at XX/XX/11 on XXXX XXXX in XXXX California. In less than 24 hours my case was closed as saying the transaction at XXXX on XX/XX/XXXX for {$160.00} was authorized when it was most definitely not. After quickly closing my case there should be a way to appeal the case but that option is not available. There are a lot of unauthorized transactions that keep getting denied even after uploading my Identity theft report from the FTC. This is unacceptable and I will start a class action lawsuit if I must become I'm not the only one who is getting unfair treatment.
Product: Checking or savings account

To whom it may concern, Since it required to be anonymous, I will use XXXX as my name. 
I am writing to file a formal complaint against Chase Bank regarding the closure of my debit card account without valid reasoning and the subsequent withholding of funds without proper explanation or evidence of alleged fraudulent activity. 

On XX/XX/, I received notice from Chase that my debit card account was closed, and they assured me that the remaining funds ( {$1300.00} ) in the account would be reimbursed via a check within a two-week period. However, despite multiple inquiries and follow-ups, I have not received the reimbursement or any clear explanation for the closure of my account. 

Furthermore, after a month of waiting, Chase informed me that my account was suspected for fraudulent activity, yet they have failed to provide any evidence or specific details regarding this claim. I have repeatedly requested evidence supporting this accusation and clarification on why my account was flagged, but to no avail. 

I have meticulously maintained my account and have statements that validate regular income deposits ( salary from a university ) and legitimate transactions made using my Chase debit card. My chase Credit score is XXXX and I am still using XXXX credit cards from chase now. I am willing to provide any necessary documentation to assist in the investigation of this matter. 

I am deeply concerned about the lack of transparency and the undue withholding of my funds by Chase Bank. I have made numerous attempts to resolve this issue directly with the bank but have been met with inadequate responses and unresolved promises. 

I kindly request the Consumer Financial Protection Bureau 's intervention in this matter to investigate Chase Bank 's actions regarding the closure of my account and the withholding of my funds without valid cause or evidence. I am seeking assistance in retrieving the funds rightfully belonging to me. 


I appreciate your attention to this matter and prompt action in facilitating the resolution of this issue. Please feel free to contact me at XXXX for any further details or information required for the investigation. 

Thank you for your time and consideration. 

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

I was notified via my credit score monitoring service that a collection had been placed on my credit history by XXXX in XXXX Arkansas. I called this company and they say I owed them XXXX $ for a internet line started in my name somewhere in their service area. I told them I never even lived in Arkansas, much less opened an account with them. They would n't help me. 

I contacted XXXX and Equifax to dispute this collection. XXXX removed the collection, finding it to be not valid. Equifax told me it was valid. It is not valid. I have never lived in Arkansas. The only explanation is someone used my name to open an account or there is a mixup somehow. 

I do n't really see an option to appeal with Equifax 's decision except to add a statement to the note on my credit report, to again try to dispute the account with the original company ( which got me nowhere ), or to send them some sort of documentation about the collections but I have no such thing since I did n't open any actual account and can not prove a negative.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a few late charges with XXXX that are still on my credit report. I have paid the account in full, I was never notified of the late payments. This is bringing down my XXXX XXXX, I have called the company and asked for the late payments to be removed and was told to reach out to the credit bureau that there was nothing they could do now.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm disputing the XXXX account on all credit bureaus for fraud I got a XXXX XXXX XXXX XXXX loan I signed up and got a denial letter saying I didnt get approved and they told me it was XXXX and now there charging me interest on my own money and it shows my contract as closed then they opened it back up and on my debit card and on my profile shows XXXX XXXX XXXX making the contract invalid and should not be on my credit and it says an addendum was added without my consent An addendum is used to clarify and add things that were not part of the original contract or agreement means this is fraud and they been taking my money on the low that's fraud XXXX I also made payments of XXXX since XXXX and the balance is incorrect
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the XXXX XXXX XXXX account # XXXX, XXXX XXXX acount # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX  account # XXXX, XXXX XXXX XXXX XXXX  account # XXXX, account # XXXX, account # XXXX, XXXX XXXX account # XXXX, XXXX account # 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.
Product: Credit reporting or other personal consumer reports

As a victim of the XXXX data breach, I am deeply concerned about the security and accuracy of my personal information. The breach compromised sensitive data, putting me at risk of identity theft and financial harm. Therefore, I urgently request the deletion of certain items from my Experian credit report to mitigate the potential consequences of this breach. These items may include inaccuracies, fraudulent accounts, or any information that could be linked to the breach and its aftermath. It's crucial for my financial well-being and peace of mind that these issues are addressed promptly and thoroughly.
Product: Credit reporting, credit repair services, or other personal consumer reports

A joint account was opened at WSFS Bank by my Mother which the money was later taken out of to XXXX balance. WSFS charged low balance fees for several months then closed the account and filed a claim for the amount owed in there fees and charges for a XXXX balance. WSFS Bank only sent notices to my Mother 's XXXX XXXX address, only notifying her of the amount owed. WSFS did not notify me of the amount owed, even though they had my address. 
I found out about the amount from credit reporting agency when they filed a unpaid claim on my credit. This is abuse by WSFS Bank by not notifying me of such, and then putting it on my credit. I have contacted WSFS and even paid the amount, but they refuse to take it off of my credit report. This is put there in error of WSFS, not contacting me first.
Product: Debt collection

In the month of XX/XX/2019, I received a letter from Convergence Outsourcing Inc. regarding a re-aged debt Per Section 623 ( 5 ) ( A ) says : In general. A person who furnishes information to a consumer reporting agency regarding a delinquent account being placed for collection, charged to profit or loss, or subjected to any similar action shall, not later than 90 days after furnishing the information, notify the agency of the date of delinquency on the account, which shall be the month and year of the commencement of the delinquency on the account that immediately preceded the action. I immediately responded to Convergence Outsourcing Inc with an affidavit of denial ( not validation ) explaining this debt has been blocked per section ( 605b ) of the Fair Credit Reporting Act, an was the result of identity theft. Upon checking my credit report on XX/XX/XXXX I noticed this debt is now appearing on my credit report. These actions from Convergence Outsourcing Inc are clearly violations of consumer rights and unacceptable due to the fact the debt has been re-aged and also was the result of identity theft, and has already been blocked from the credit bureaus from a previous debt collector. This is my 2nd and final attempt to resolve this issue before pursuing litigation.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX / XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for XXXX year, at which point i XXXX request an extension of the block. During the block, you XXXX not report no longer contains any fraudulent information. Several times I have called the bureau reporting this fraudulent account in my report and Transunion has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, this account was eliminated and not verified by others bureaus I don't understand how they usually say that this account is mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete this account. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Checking or savings account

On XX/XX/XXXX, I had {$10000.00} transferred from my XXXX XXXX  account to a new bank account I had set up earlier in the week with Associated Bank. After a week of the funds not being posted, I called Associated Bank. They said that XXXX stopped the transfer of those funds and that triggered a fraud investigation into my account so it was frozen. They said that the funds from XXXX were never received by Associated Bank and that I needed to speak to XXXX. XXXX says that the funds were definitely sent to Associated Bank and they have a tracking number to prove it. I called Associated Bank back and they said that the tracking number doesn't help them and that there is nothing they can do. I have spoken to multiple people at both banks and have called Associated Bank seven times in the past week to try to understand what happened to my money. At this point they are referring me to the same woman- XXXX in the fraud department - who just says there is nothing they can do. I have left a message at Associated Bank corporate headquarters and have not heard back. In my XXXX XXXX  account, I can see the record of the funds being transferred to Associated Bank.
Product: Credit card

Dear Synchrony Bank, I am writing to formally express my dissatisfaction with the service I have received regarding my credit card account and to request a full refund of the annual fee. 

First, the shipment and acceptance of my credit card were significantly delayed by three months, and I only received the card on XX/XX/year>. Upon attempting to use the card for the first time, I encountered numerous issues. I made XXXX transactions, all of which triggered fraud alerts. At XXXX XXXX  on XX/XX/year>, I verified my transactions as valid via text. However, when I attempted to make the same transaction again, it was declined. 

Shortly after, I received a phone call from the bank, during which I once again verified the transactions. Despite this, my next attempted transaction was also declined, prompting yet another request for verification. I was then sent a link to conduct an online verification process. I complied by uploading my drivers license along with a video of myself, yet the system responded by stating that a letter needed to be sent via mail. 

At this point, I have lost confidence in your card services and do not believe that the inconvenience and repeated verification requests justify paying an annual fee. Given the multiple obstacles I have faced just to use the card, I request that you refund the annual fee for this account in full. 

Please confirm receipt of this request and provide a timeline for processing the refund. If this issue is not resolved promptly, I will have no choice but to escalate my complaint further. 

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

XXXX of 2022 I moved into a forbearance with my mortgage. I was assured that my credit would not be affected. XX/XX/XXXX they reported my balance had increased {$3400.00}. No information was sent to me on why it was increased. XX/XX/XXXX my escrow and mortgage was brought current since the forbearance has ended. After several fights of XXXX saying my mortgage did not increase and they never reported to my credit they lied and they did report to my credit. There is no Documation that my mortgage increase only that I was in a forbearance plan and the entire balance has been paid and on time. No one will give me answers as to why XXXX reported my balance as increasing. The recorded conversation on XX/XX/2022 of me asking for this information I was told they could not send me any information because they did not report it. 

Transunion has no documentation on this matter so they should of never allowed false information to be published to my credit record
Product: Credit reporting, credit repair services, or other personal consumer reports

Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERALTRADECOMMISION or XXXX XXXX XXXXXXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any account listed on an id theft report. Please find the attached documents to assist in blocking the erroneous information which is being posted to my report. Here is the list of accounts that do not belong to me or were opened without my permission. Bankruptcy : XXXX XXXX # : XXXX ; Bankruptcy XXXX XXXXXXXX Reference # : XXXX ; XXXX Reference # : XXXX ; According to FCRA XXXX XXXX ( 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.
Product: Debt collection

Last XX/XX/XXXX, I sent this company a copy of my FTC ID THEFT REPORT, a copy of my dispute letter requesting them to remove erroneous accounts due to fraudulent account opened on my credit report. On the letter I sent to this company, I quoted the stipulations of FCRA 605B which state that " a reported fraudulent accounts, with proper required documentation, MUST be removed within 4 business days upon receipt ''. First and foremost, the company took more than the required time to remove a fraudulent reported account from my report. And then to my surprise, this company continues to report this fraudulent account. For yet another time, my FTC report attached clearly shows this fraudulent account which I need to be deleted asap : COLLECTION CONSULTANTS ACC # XXXX Am looking at legal proceedings if this company does not delete this fraudulent account from my credit report. Attached here with the earlier dispute I sent to this company and my FTC report.
Product: Debt collection

I received this text from Shepherd Outsourcing. This is not my debt, I've never had XXXX as a phone carrier. Listed below is the exact text I got, which was received on XX/XX/year>. At XXXXXXXX XXXX Make your payment before your SPRINT ( XXXX - for which the current creditor is XXXX XXXX XXXX XXXX ) account is returned to our client. Check out your options at XXXX or call XXXX. This text is from Shepherd Outsourcing, a debt collector. Reply stop to opt-out
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : Original Creditor, 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 XXXXXXXX XXXX XXXX XXXX XXXX   XXXX
Product: Money transfer, virtual currency, or money service

Todys date XX/XX/24 thirteen days after a claim was filed on my account ending in XXXX and that hold still remains on the transfer to my new account at XXXX. 
there is a hard violation against me for reasons unknown. Federal Code 229.10 states ' funds from eletronic deposit shall be availible same day and no longer that two days.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was looking at my XXXX credit report on XX/XX/XXXX and noticed it is still showing XXXX XXXX as open with a balance of {$3400.00}. I paid this loan off on XX/XX/XXXX at {$3400.00}.
Why is this still showing up two and a half months later? When I go to my XXXX XXXX account, it shows paid in full with a {$0.00} balance. No doubt this is impacting my credit score. XXXX is supposed to be some sort of great credit monitoring product but I do n't see any meaningful benefit from my membership. After contacting them via email, I never got a reply.